Discover Bank Routing Number: Simple, Single Number Banking

What 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 it also offers FDIC-insured checking, savings, money market, and CD accounts through its online banking platform.

Discover Bank is chartered in Delaware, which is reflected in the 031 prefix of its routing number (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 the Discover Bank routing number

The routing number 031100649 is used for all transaction types at Discover Bank: ACH payments, direct deposits, bill pay, and domestic wire transfers. This applies to Discover Online Checking, Discover Online Savings, and Discover Money Market accounts.

The simplicity is intentional. Discover has built its banking products around the idea that banking should be straightforward. One routing number for everything, no fees on most account types, and FDIC insurance up to the standard $250,000 per depositor.

Discover Bank wire transfer details

For domestic wire transfers, the routing number is the same 031100649. Discover Bank's SWIFT code for incoming international wires is DONUS33.

Discover charges $25 for outgoing domestic wire transfers and does not charge for incoming domestic wires. Outgoing international wires are available through the Discover banking portal with fees varying by destination.

How to find your Discover Bank routing number

In the Discover mobile app, tap on your banking account and navigate to account details where the routing number is displayed. On Discover's website, log in and click on your account to see routing and account numbers. Discover Cashback Debit account holders can also find it on their debit card checks.

Discover's customer support pages prominently display the routing number as well. Since there is 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, but with the tools that companies actually need: unlimited virtual cards with custom spend limits, real-time expense categorization, automated receipt capture, and seamless accounting integrations.

One account, clear payment infrastructure, and the operational visibility that growing businesses deserve.