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Capital One routing numbers

031 176 110 is for direct deposit and ACH; 021 407 912 is for domestic wires (cross-checked against public directories, not confirmed by the bank).

Bank-verifiedCapital One switch-banks guidechecked June 29, 2026
⑆ Routing numbers
Direct deposit & ACHBank-verified

Direct deposit, payroll, and ACH transfers

031 176 110

Confirmed against an official bank source. Always confirm with the bank before you send money.

Domestic wireCross-checked

Incoming and outgoing domestic wire transfers

021 407 912

Wires also need the recipient's name and address. Don't use this number for direct deposit — wire and ACH numbers are not interchangeable. Always confirm with the bank before you send money.

Type
bank
Headquarters
Mclean, VA
Talk to a human (8 a.m.–11 p.m. ET)
800-655-2265
FDIC certificate
4297
FDIC reported assets
$672.0B
Who-called reports & caller context for this number — areacode.fyi, our sister reference
All numbers

Every Capital One routing number

Lookup tool
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Unconfirmed11 more numbers seen in public data

These appear for Capital One in public routing data but haven't met our cross-check bar — treat them as leads, not answers. Don't use one without confirming it with Capital One first.

Published fees

Capital One wire transfer fees & limits

From Capital One 360 Checking disclosures and wire help pages, checked July 6, 2026 — as published for Capital One 360 consumer accounts (360 Checking disclosures effective 5/20/2026; wire disclosures effective 11/25/2025).

Domestic wire — online or by phone
$30 — domestic wires can be sent online or by phone only — branches send international wires
International wire — outgoing
$40 — branch only — international wires can't be sent online or by phone
Incoming wire — domestic or international
$0 for 360 accounts — $15 only on Essential Checking, High-Yield Checking, and Essential Savings
Same-day cutoff
2 p.m. ET online · 3 p.m. ET by phone or at a branch
Online wire limit — daily
$50,000 to any person or company — $500,000 to title companies; no daily limit by phone or at a branch

Capital One 360 Checking disclosures and wire help pages · Screenshot of the fee schedule (captured July 6, 2026)

Fees depend on your account

These are the published rates for Capital One 360 consumer accounts (360 Checking disclosures effective 5/20/2026; wire disclosures effective 11/25/2025) — other account types can differ, and fees change. Confirm your own account's fee schedule before sending, and see how Capital One compares to other banks.

Find it yourself

Find your Capital One number in your account

Find routing and account numbers in Capital One online banking or the mobile app

Requires sign-in. Where to look: online banking, mobile app.

  1. Sign in to Capital One online banking or the Capital One Mobile app.
  2. Select the account that needs routing and account-number details.
  3. On the website, open the view-details link near the balance; in the app, open Account Details and choose View All.
  4. Use the account-specific routing number shown there before setting up direct deposit, ACH, or transfers.

Capital One presents routing and account details per account, so fin.codes treats this as self-service verification guidance instead of a public universal routing number.

Capital One routing and account numbers help page
Proof

Screenshots from the bank's own pages

Captured by our verification pipeline — a headless browser opens Capital One's own pages, confirms each number, and saves watermarked, dated screenshots. Independent third-party evidence; fin.codes is not affiliated with Capital One.

Screenshot from Capital One switch-banks guide showing routing 031 176 110Official screenshot031 176 110 · captured June 29, 2026
Before you send

Check these before you send money

  • Confirm the bank name on the transfer matches Capital One, National Association.
  • Match the number to the transfer type — ACH and direct deposit use one number, domestic wires another.
  • For wires, double-check the recipient's name and address too.
  • If instructions arrived by email, confirm them on Capital One's official site or phone line before sending.
  • No one should ever need your password or full card number to confirm a routing number — that's a scam.
FAQ

Capital One routing number FAQ

What is Capital One's routing number?

031 176 110 is for direct deposit and ACH; 021 407 912 is for domestic wires (cross-checked against public directories, not confirmed by the bank). The 9-digit routing number identifies the bank on a transfer; your account number identifies you.

What's the difference between Capital One's ACH and wire routing numbers?

Use the ACH and direct-deposit number for payroll, direct deposit, and everyday transfers. Use the wire number for domestic wire transfers, which also need the recipient's name and address. The two are not interchangeable — sending an ACH payment with a wire routing number (or the reverse) can be rejected, so match the number to the transfer type.

How do I find my Capital One routing number?

Your routing number is the first 9 digits in the bottom-left of a Capital One check, or in your online and mobile banking under account or routing details. If anyone asks for your online-banking password or full card number to "verify" a routing number, it's a scam — a routing number alone is public.

What is Capital One's customer service number?

800-655-2265 — from Capital One's own contact page (capitalone.com), checked July 6, 2026. Phone menus change, so confirm on the bank's site if the call matters — and never give a password or full card number to an inbound caller.

How much does Capital One charge for a wire transfer?

Per Capital One 360 Checking disclosures and wire help pages (checked July 6, 2026), for Capital One 360 consumer accounts (360 Checking disclosures effective 5/20/2026; wire disclosures effective 11/25/2025): domestic wire — online or by phone $30 (domestic wires can be sent online or by phone only — branches send international wires); international wire — outgoing $40 (branch only — international wires can't be sent online or by phone); incoming wire — domestic or international $0 for 360 accounts ($15 only on Essential Checking, High-Yield Checking, and Essential Savings). Fees vary by account type — confirm your own account's fee schedule before sending.

Where is Capital One headquartered?

Capital One, National Association is a bank headquartered in Mclean, VA.

How does fin.codes check Capital One's routing numbers?

Every number passes the standard ABA checksum. 1 number is confirmed against an official Capital One source. 85 are cross-checked against multiple public routing directories. fin.codes is an independent reference, not a bank — always confirm transfer details with Capital One before sending money.

Is fin.codes affiliated with Capital One?

No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by Capital One, National Association.

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