Capital One Routing Number: For All Account Types

What is the Capital One routing number?

Capital One's routing number situation is simpler than most large banks because the company has actively consolidated its routing numbers over the years. After acquiring ING Direct (now Capital One 360) and merging with North Fork Bank, Capital One streamlined many of its routing numbers to reduce customer confusion.

For most Capital One checking and savings accounts, the routing number is 051405515. However, if you held a Capital One 360 account (formerly ING Direct), your routing number may be 031176110. The specific routing number depends on when you opened your account and which Capital One product you're using.

Capital One routing numbers by account type

Capital One 360 Checking: 031176110. Capital One 360 Savings: 031176110. Capital One Checking (branch-opened): 051405515. Capital One Savings (branch-opened): 051405515. Capital One Money Market: 051405515.

If you opened your account at a Capital One Café or branch, your routing number is likely 051405515. If you opened a 360 account online (especially before the ING Direct rebrand), it is likely 031176110. Capital One has been migrating legacy 360 accounts, so verify through your online banking portal.

Capital One wire transfer routing number

Capital One's domestic wire transfer routing number is 051405515. For incoming international wires, the SWIFT code is HIBKUS44 (a legacy of the Hibernia National Bank acquisition in Louisiana).

Capital One charges $30 for outgoing domestic wire transfers and $40-$50 for international wires. Wire transfers submitted before 4:00 PM ET on a business day typically settle the same day. Capital One's online banking platform supports wire initiation, though larger amounts may require verification.

How to find your Capital One routing number

In the Capital One mobile app, tap your account, then view account details to see the routing number. Online at capitalone.com, navigate to your account and click on account details. If you have paper checks, the routing number is the first nine digits on the bottom-left.

Capital One also lists routing numbers on their customer support page, organized by account type. If you are unsure which type of account you hold, calling 1-800-655-2265 can clarify.

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