Routing numbers are useful banking devices that designate where funds come from and where they go during an ACH or wire transfer. When moving money between your Santander account and another bank, you’ll need to know your Santander routing number.
Santander Routing Number: The Key to Smooth Transactions
Routing numbers are made up of nine digits that banks use to identify each other during transactions. The American Bankers Association created routing numbers, also called ABA numbers, to verify checks at processing endpoints.
Since then, the routing number’s role has expanded to “designate participants in automated clearinghouses, electronic funds transfer and online banking,” according to the ABA.
Banks can have multiple routing numbers, as Santander proves. Some banks acquire additional routing numbers through acquisitions and mergers. When banking with an institution that has multiple routing numbers, it’s important to know which one is associated with your account.
Santander Routing Numbers by State
Santander’s routing number changes depending on where and when you opened your account. See the table below for a state-by-state breakdown of Santander routing numbers:
| State | Routing Number |
|---|---|
| Connecticut, Massachusetts, New Hampshire, Rhode Island — account opened on or before May 17, 2012 | 011075150 |
| Connecticut, Massachusetts, New Hampshire, Rhode Island — account opened after May 17, 2012 | 231372691 |
| Maryland, New Jersey, New York, Pennsylvania, Delaware | 231372691 |
Santander notes on its website that you can tell your routing number by how many digits your account number has:
- 011075150 for 11 digits
- 231372691 for 10 digits
How To Find Your Santander Routing Number
Aside from knowing which Santander routing numbers correspond which which types of accounts, there are a few different ways you can confirm your routing number.
On a Check
You can find the routing number on your check by looking in the bottom-left corner of the check. It’s next to your personal account number. Don’t confuse the routing number with your account number — remember that the account number is 10-11 digits and the routing number is only nine.
Through Online Banking
You can also find your Santander routing number through your online banking account. Follow these steps:
- Log into your Santander account via computer or the mobile app
- Select the account you want to view
- Go to the “Account details” page
- At the top of the page, under “Account info,” you can view your routing and account numbers
By Contacting Customer Service
If you’re still unsure you have the correct routing number, you can call Santander at 877-768-2265 (select 0 to speak with a customer service agent). You can also chat with an agent through your online banking portal under the Help & Support tab.
Santander Routing Numbers for Wire Transfers
Santander doesn’t usually use different routing numbers for wire transfers versus ACH transfers; however, as explained, the bank does use different routing numbers depending on when and where you opened the account. If you know your correct routing number based on that information, you’ll be able to make domestic wire transfers.
Different Routing Numbers for International Wire Transfers
SWIFT codes are the international equivalent of routing numbers. You’ll use these when transferring funds to or from a bank outside the U.S. Santander’s SWIFT code is SVRNUS33.
SWIFT codes are broken down into three portions:
- Bank code: First four letters
- Country code: Next two letters
- Location code: The last two digits or letters
Some SWIFT codes contain an additional three digits or letters called the branch code, which just identifies a bank’s particular branch.
Santander Routing Number vs. Account Number: What’s the Difference?
A routing number is specific to a bank. An account number gets even more specific and refers to an individual’s account.
If you have multiple accounts with Santander, chances are the routing numbers are the same. However, you will have a different account number for each account. This unique account number ensures any money transferring into your account is going to the exact right place.
How To Use Your Santander Routing Number
Once you’ve properly identified your Santander routing number, you’ll be able to use it to set up direct deposits, pay bills online and receive ACH and wire transfers (you’ll need your account number for these tasks, too). A routing number is invaluable information in the banking world and can enable you to have full control and maneuverability over the funds in your account.
FAQ
- Do all Santander accounts have the same routing number?
- No, Santander accounts may have different routing numbers depending on where and when you opened the account. It's important to identify your correct routing number before attempting to set up direct deposits or receive any type of transfer.
- How do I find my Santander routing number without a check?
- You can find your Santander routing number by logging into your online banking portal, selecting your account and going to "Account details." The routing number, along with the account number, should be visible under "Account info" at the top of the page. You can also call Santander customer service at 877-768-2265 if you're having trouble finding your routing number.
- Can I use the same routing number for wire transfers?
- You can typically use the same routing number for domestic ACH and wire transfers. However, you'll need to use a SWIFT code for any international transfers.