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View detailsWhat is the Discover Bank routing number?
Discover Bank's routing number is 031100649. Like other online-only banks, Discover uses a single routing number for all customers nationwide. Discover Bank is a subsidiary of Discover Financial Services — best known for its credit card network — but also offers FDIC-insured checking, savings, money market, and CD accounts through its online banking platform.
Discover Bank is chartered in Delaware, reflected in the 031 prefix corresponding to the Federal Reserve Bank of Philadelphia. Because Discover has no physical branches and no history of acquiring other banks, there are no legacy routing numbers to track.
Using routing number 031100649
031100649 applies to all transaction types at Discover Bank — ACH payments, direct deposits, bill pay, and domestic wire transfers. This covers Discover Online Checking, Discover Online Savings, and Discover Money Market accounts. One routing number for everything.
Wire transfers
For domestic wire transfers, use the same routing number. Discover's SWIFT code for incoming international wires is DONUS33. Discover charges $25 for outgoing domestic wires and nothing for incoming domestic wires. Outgoing international wires are available through the Discover banking portal with fees varying by destination.
Where to find your routing number
In the Discover mobile app, tap your banking account and navigate to account details. On Discover's website, log in and click your account to see routing and account numbers. Discover's customer support pages also display the routing number prominently. Since there's only one, the lookup is as simple as it gets.
How Slash brings Discover-level simplicity to business banking
Discover proved that online-only banking can be simple, transparent, and trustworthy for consumers. Slash brings that same ethos to business banking — unlimited virtual cards with custom spend limits, real-time expense categorization, automated receipt capture, and accounting integrations. One account, clear payment infrastructure, and the operational visibility that growing businesses deserve.
