Here’s Your Discover Bank Routing Number

Learning your routing number is both easy and practical.

By Sean Dennison July 1, 2020 Find a Bank

Discover Bank 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

Like most online banks, Discover only uses one routing number. This is the number used for wire transfers as well as automated clearing house transfers such as direct deposits. Here’s what you need to know:

Discover Bank Routing Number

031100649

Related: Discover Bank Review

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 end point. But as banking has evolved, so have routing numbers. Today, banks use routing numbers for a variety of purposes.

More on Routing Numbers: What They Are and How To Find Them

Can Banks Have Multiple Routing Numbers?

Major national banks such as Wells Fargo, Citibank and Bank of America have multiple routing numbers to accommodate all their customers in different states. However, many smaller banks, including online banks like Discover, 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.

Now Learn: How To Write a Check in 6 Easy Steps

What Is the Routing Number for International 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:

Intermediary Bank: Bank of New York Mellon
Intermediary Bank SWIFT Code: IRVTUS3N

You’ll still provide Discover Bank’s routing number as the beneficiary bank, but for the intermediary bank you will use that institution’s SWIFT code.

Demystifying Swift Codes: What They Are and How To Find Them

About the Author

Sean Dennison

Sean joined the GOBankingRates team in 2018, bringing with him several years of experience with both military and collegiate writing and editing experience. Sean’s first foray into writing happened when he enlisted in the Marines, with the occupational specialty of combat correspondent. He covered military affairs both in garrison and internationally when he deployed to Afghanistan. After finishing his enlistment, he completed his BA in English at UC Berkeley, eventually moving to Southern California.