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Capital One routing numbers

Capital One's ACH and direct-deposit routing number depends on the U.S. state where you opened your account. For domestic wires, Capital One uses 021 407 912 (cross-checked against public directories — confirm before you send).

Cross-checkedFDIC BankFind Suitechecked June 28, 2026
⑆ Routing numbersCapital One
Direct deposit & ACHCross-checked

Direct deposit, payroll, and ACH transfers

Depends on your state

97 numbers · VA

Capital One uses a different ACH routing number depending on the U.S. state where you opened your account. Find yours in the table below.

Find your state's number
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
FDIC certificate
4297
FDIC reported assets
$672.0B
All numbers

Every Capital One routing number

Lookup tool
97 of 97
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
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?

Capital One's ACH and direct-deposit routing number depends on the U.S. state where you opened your account. For domestic wires, Capital One uses 021 407 912 (cross-checked against public directories — confirm before you send). The 9-digit routing number identifies the bank on a transfer; your account number identifies you.

Does Capital One's routing number depend on my state?

Yes. Capital One assigns ACH and direct-deposit routing numbers by the U.S. state where you opened your account. Check the bottom-left of a Capital One check, your account details in online or mobile banking, or the routing-number table on this page to find the one for your state. Domestic wires use a single routing number regardless of state.

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.

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. 86 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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Independent reference. Not affiliated with, endorsed by, or authorized by any financial institution. Confirm routing or SWIFT details directly with your bank before sending money.