Where to find your bank identification code right now
Your bank identification code (also called a routing number, sort code, or SWIFT code depending on where you bank and what you're doing) is printed on the bottom left of your checks, available through your bank's website or app, and listed on statements your bank mails you. The fastest route is usually your bank's mobile app — most show it under account details or settings — or a quick call to the number on the back of your debit card.
The specific code you need depends on what you're trying to do. A routing number is a nine-digit code used for domestic transfers within the United States. A SWIFT code is used for international transfers and is typically eight or eleven characters. A sort code is used in the UK and some other countries. Your bank may use different names for these codes, so knowing what transaction you're making helps you find the right one.
Key Takeaways
- Your routing number appears on the bottom left of your checks and in your bank's mobile app under account or transfer settings.
- Routing numbers are nine digits and are used for domestic ACH transfers, direct deposit, and wire transfers within the US.
- SWIFT codes are used for international transfers and are typically eight or eleven characters; your bank's website usually lists this under international transfer options.
- If you cannot find the code online or in your app, call the customer service number on the back of your debit card or the number listed on your bank statement.
- Different banks may label these codes differently, so confirm with your bank which code you need for your specific transaction.
Routing numbers on checks and statements
If you have a checkbook, the routing number is the first set of nine digits at the bottom left of any check. It appears before your account number. The format is always nine digits with no letters or special characters. This number identifies your specific bank branch and is the same for all accounts you hold at that bank.
Bank statements mailed to your home also include your routing number, usually near the top or in a section labeled "account information" or "banking details." If you receive electronic statements, look for a link or section labeled "account details" or "transfer information." Some banks print it directly on the statement; others require you to click through to a details page.
Finding it through your bank's website or app
Log into your bank's website or mobile app and navigate to your account settings or account details. Most banks display the routing number prominently under a section called "account information," "transfer details," "wire transfer information," or "direct deposit setup." The location varies by bank, but it is almost always in the account or settings area, not buried in help pages.
If you are setting up a direct deposit or making a transfer, the bank usually shows you the routing number as part of that process. Some banks display it on the dashboard when you first log in. If you cannot find it after checking account details and settings, use the search function within the app or website and search for "routing number" — most banks' search tools will take you directly to the right page.
SWIFT codes for international transfers
A SWIFT code is required when you send money to or receive money from outside the United States. SWIFT stands for Society for Worldwide Interbank Financial Telecommunication, and the code identifies your bank internationally. SWIFT codes are typically eight or eleven characters and include both letters and numbers.
Find your SWIFT code by logging into your bank's website and searching for "international transfer," "wire transfer," or "SWIFT code." Many banks list it on the same page as routing number information. If your bank does not display it online, call the international transfer department or the main customer service line and ask for your SWIFT code. You may also need your bank's address and your account number when sending international transfers, so have those ready.
Calling your bank directly
If you cannot locate the code online or in your app, call the customer service number on the back of your debit card or the number listed on your most recent bank statement. Have your account number and a form of identification ready. Tell the representative what type of transfer you are making (domestic, international, direct deposit setup) so they can confirm they are giving you the correct code.
Wait times are usually shortest early in the morning on weekdays. Some banks also offer chat support through their website or app, which can be faster than phone lines during busy hours. The representative will read the code to you — write it down and repeat it back to confirm you have it correct before you end the call.
What to do if your bank uses a different name
Some banks, particularly credit unions and smaller regional banks, may call the routing number by a different name such as "transit number," "bank code," or "ABA number." These all refer to the same nine-digit code used for domestic transfers. If you see any of these terms on your bank's website or in a conversation with a representative, they are describing your routing number.
The safest approach is to tell your bank exactly what you are trying to do — whether it is setting up direct deposit, making a wire transfer, or sending money to another account — and ask them which code you need. Banks are used to this question and can tell you in seconds which number to use and where to find it.
Frequently Asked Questions
Is my routing number the same for all my accounts at the same bank?
Yes. Your routing number is tied to your bank and branch, not to individual accounts. If you have a checking account and a savings account at the same bank, both use the same routing number. Your account number is what distinguishes between them.
Can I use my routing number for online bill pay?
Yes. When you set up bill pay through your bank's website or app, you will enter your routing number and account number so the bank can process payments from your account. The routing number tells the system which bank to pull the money from.
What if I am sending money to someone outside the US — do I need a SWIFT code or a routing number?
You need a SWIFT code for international transfers. The receiving bank's SWIFT code tells your bank where to send the money internationally. Your own routing number is only used for transfers within the United States.
Do I need to memorize my routing number?
No. Write it down and keep it in a safe place, or save it in your phone's notes app. You will need it when setting up direct deposit, making wire transfers, or authorizing ACH payments, but you do not need to memorize it.
What if my bank merged with another bank — does my routing number change?
Sometimes. When banks merge, the routing number may change for some or all accounts. Your bank will notify you if this happens and will provide the new routing number. Check your statements or contact your bank if you are unsure whether your routing number has changed.