Here’s Your Discover Bank Routing Number

Discover bank routing number

Discover® Bank, Member FDIC, is the online banking subsidiary of Discover Financial Services, best known for its lineup of credit cards. Like any bank, Discover Bank uses routing numbers that identify different financial institutions in transactions. Keep reading to learn what Discover Bank’s routing number is and how to use it.

Discover Bank Routing Number

Discover uses the following routing number for domestic wire transfers as well as automated clearing house transfers such as direct deposits:

Discover Bank Routing Number
031100649

What Is a Routing Number?

A routing number is a nine-digit security feature used to identify the bank it’s assigned to. Whenever you use a routing number, you’re confirming that your bank and account are involved in a financial transaction, whether it’s a wire transfer or an online bill payment.

The American Bankers Association created routing numbers in 1910 so banks could identify a check’s processing endpoint. But as banking has evolved, so have routing numbers. Today, banks use routing numbers for a variety of purposes.

Can Banks Have Multiple Routing Numbers?

Major national banks such as Wells Fargo and Bank of America, Member FDIC, have multiple routing numbers to accommodate all their customers in different states. However, many smaller banks use only one routing number.

How Do You Find a Routing Number on a Check?

Routing numbers are printed at the bottom of checks in the lower-left corner. You’ll find them right before your account number and the individual check number.

What Is Discover’s Routing Number for International Wire Transfers?

Banks typically use a SWIFT code instead of a routing number to execute an international money transfer. However, not all banks have SWIFT codes. Instead, they handle transfers through an intermediary bank. That’s the case with Discover Bank. Here’s more:

A Better Way to Bank
Intermediary Bank Intermediary Bank SWIFT Code
Bank of New York Mellon IRVTUS3N

You’ll still provide Discover Bank’s routing number for international wire transfers, 043000261, as the ultimate beneficiary bank. For the intermediary bank, you will use that institution’s SWIFT code.

More on Discover Bank

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

DIVE DEEPER

Discover the Best Banks of 2024: Unveiling Our Top Picks!

We've compiled a list of the top banks for this year!

TAKE POLL

TAKE ACTION

Here Are the Pros and Cons of Using Multiple Banks

Shot of a woman using a laptop while going through paperwork at home.

Many banks are one-stop-shop financial institutions...

BEFORE YOU GO

See Today's Best
Banking Offers