Last reviewed: May 2026
Quick answer: Capital One uses different routing numbers depending on your account type and transaction type. Capital One 360 accounts use 031176110 for ACH transfers and direct deposit. Traditional Capital One Bank accounts may use 051405515. Domestic wire transfers use 056073612. International wire transfers use SWIFT code HIBKUS44. Always verify your routing number inside your Capital One account before submitting payment details.
OnlineBankingHelp.com is an independent educational resource. We do not process transfers or access customer accounts. Always confirm routing details directly through Capital One before sending money.
Capital One Routing Numbers — Quick Reference
| Account Type or Use Case | Routing Number |
|---|---|
| Capital One 360 — ACH, direct deposit, checks | 031176110 |
| Capital One Bank N.A. — ACH, direct deposit, checks | 051405515 |
| Domestic wire transfers | 056073612 |
| International wire transfers | SWIFT code HIBKUS44 |
Important: Capital One routing numbers are tied primarily to account platform and transaction type rather than customer location.
Verified banking data • Updated regularly • Covers ACH transfers, direct deposit, wire routing, checks, payment systems, and routing-number differences
Routing Number Data Source
Routing numbers on this page are compiled from publicly available ACH network records, check formatting standards, wire-transfer documentation, and Capital One account tools where available.
Always confirm the routing number tied to your specific account inside Capital One online banking or the Capital One Mobile app before submitting payment details. Capital One accounts may use different routing numbers depending on when and how the account was originally opened.
Why Capital One Has Multiple Routing Numbers
Most banks assign routing numbers based on the state where the account was opened. Capital One works differently.
Capital One routing numbers are primarily assigned by account platform and transaction system rather than customer location.
Capital One operates through two primary banking systems:
- Capital One 360: online-focused banking accounts used nationwide
- Capital One Bank N.A.: traditional branch-based and legacy banking accounts
Because these systems operate differently behind the scenes, they may use different ACH routing numbers even though both belong to Capital One.
Why Capital One Routing Numbers Work Differently
Unlike banks such as Chase, Wells Fargo, or PNC, Capital One routing numbers are usually tied to account platform rather than customer state.
Capital One 360 accounts typically use the same routing number nationwide regardless of where the customer lives. Many traditional banks instead assign routing numbers based on the state where the account was originally opened.
This is why moving to another state usually does not change your Capital One routing number.
Which Capital One Routing Number Should You Use?
| Transaction Type | Routing Number |
|---|---|
| Capital One 360 direct deposit | 031176110 |
| Capital One 360 ACH transfer | 031176110 |
| Capital One 360 paper checks | 031176110 |
| Capital One Bank direct deposit | 051405515 |
| Capital One Bank ACH transfer | 051405515 |
| Domestic wire transfer | 056073612 |
| International wire transfer | SWIFT code HIBKUS44 |
Important: your routing number depends on your account platform and transfer method — not your current location.
Capital One 360 Routing Number: 031176110
Routing number 031176110 is used by Capital One 360 accounts for everyday electronic banking transactions including:
- Payroll direct deposit
- ACH transfers
- Online bill pay
- Electronic check payments
- External account linking
- Peer-to-peer payment setup
This is the most commonly used Capital One routing number because most newer Capital One consumer accounts operate through the Capital One 360 platform.
If you opened your account online through Capital One 360 Checking or 360 Savings, this is likely your routing number.
What Bank Uses Routing Number 031176110?
Routing number 031176110 belongs to Capital One 360 and is used for ACH transfers, direct deposit, online bill payments, and other electronic banking transactions.
This routing number is frequently searched because it is used nationwide across many Capital One 360 accounts.
Capital One Bank N.A. Routing Number: 051405515
Routing number 051405515 is associated with traditional Capital One Bank N.A. accounts.
These accounts are commonly:
- Older Capital One accounts
- Accounts opened through physical branches
- Legacy banking-system accounts
- Traditional checking or savings products
If your account predates Capital One 360 or originated from a branch-based banking relationship, this may be your ACH routing number.
Capital One Wire Transfer Routing Number: 056073612
Capital One uses a separate routing number for domestic wire transfers:
Domestic Wire Routing Number: 056073612
This wire routing number applies regardless of whether you use Capital One 360 or Capital One Bank accounts.
Wire transfers use different payment infrastructure than ACH transfers, which is why the routing number changes.
Domestic wires are commonly used for:
- Large one-time transfers
- Business payments
- Real estate closings
- Same-day bank transfers
- Urgent financial transactions
Wire transfers submitted before the bank’s daily cutoff often settle the same business day.
Capital One International Wire Transfers (SWIFT Code)
For international wire transfers, Capital One uses:
SWIFT code: HIBKUS44
International transfers may also require:
- Your full account number
- Your legal account name
- Capital One bank address
- Recipient bank details
- IBAN number in some countries
- Intermediary bank information
International wire transfers typically take 1–5 business days depending on the destination country, currency conversion requirements, and correspondent banking relationships.
Routing Number vs Account Number
A routing number identifies the financial institution and payment network handling the transaction. An account number identifies your specific account inside the bank.
Both numbers are required for direct deposit, ACH transfers, and many electronic payments.
On a paper check:
- The routing number appears first on the bottom-left
- Your account number appears next to it
- The check number appears last
Confusing these numbers is one of the most common banking setup mistakes.
How To Find Your Capital One Routing Number
- Capital One Mobile app: sign in, open your account, and tap account details
- Online banking: routing information appears in account settings
- Paper checks: bottom-left corner
- Bank statements: near account information
- Customer support: Capital One can verify your routing number directly
Always verify routing information directly inside your account before sending money or setting up direct deposit.
What Happens If You Use the Wrong Routing Number?
Using an incorrect routing number is one of the most common causes of delayed or rejected transfers.
Using an ACH Routing Number for a Wire Transfer
If you use 031176110 or 051405515 for a domestic wire instead of 056073612, the wire may be rejected or delayed because wire transfers use a separate payment network.
Using the Wrong Account Platform Routing Number
If your account belongs to Capital One Bank N.A. but you enter the Capital One 360 routing number, the ACH transfer may fail or return to the sender.
Digit Errors
Even one incorrect digit creates an entirely different routing number. ACH transfers with invalid routing details are usually rejected within 1–3 business days.
The most common mistake is using the ACH routing number when a wire transfer requires the separate wire routing number.
See also: why bank transfers get delayed and how long bank transfers take.
ACH vs Wire Transfers — Why the Routing Numbers Differ
Capital One uses different routing numbers because ACH transfers and wire transfers move through entirely different banking networks.
| Transfer Type | Network | Typical Speed |
|---|---|---|
| ACH transfer | Automated Clearing House | 1–3 business days |
| Domestic wire | Fedwire Funds Service | Same business day in many cases |
ACH transfers are processed in scheduled batches, while wire transfers process individually in real time through the Federal Reserve wire system.
Because these are separate payment networks, the routing numbers must also differ.
For a deeper comparison, see ACH vs wire transfers explained.
Can Capital One Routing Numbers Change?
Routing numbers can occasionally change after:
- Bank mergers
- Account migrations
- System consolidations
- Platform transitions
- Operational banking changes
However, most Capital One 360 accounts consistently use 031176110 nationwide.
If Capital One changes the routing number tied to your account, the bank typically provides advance notification before the change takes effect.
Common Capital One Routing Number Mistakes
- Using the ACH routing number for a domestic wire transfer
- Using the wire routing number for direct deposit setup
- Confusing Capital One 360 with Capital One Bank N.A.
- Assuming routing numbers are state-based
- Confusing the routing number with the account number
- Using outdated routing information from old checks
Related Capital One Guides
- Capital One login help
- Capital One password reset
- Capital One app troubleshooting
- Why Capital One transfers stay pending
- Capital One deposit limits explained
Other Bank Routing Number Guides
- Chase routing numbers by state
- PNC routing numbers
- Wells Fargo routing number lookup
- Navy Federal routing number
- Routing numbers directory
Frequently Asked Questions
What is the Capital One routing number for direct deposit?
Capital One 360 accounts use routing number 031176110 for direct deposit and ACH transfers. Traditional Capital One Bank accounts may use 051405515. Because Capital One routing numbers depend on account platform rather than state, always confirm the exact number inside your Capital One account before giving it to an employer or payment provider.
What is the Capital One wire transfer routing number?
Capital One uses routing number 056073612 for domestic wire transfers regardless of account type. This is different from the ACH routing numbers used for direct deposit and standard bank transfers. Using an ACH routing number for a wire can cause the wire to be rejected, delayed, or manually reviewed.
What bank uses routing number 031176110?
Routing number 031176110 belongs to Capital One 360 and is used for ACH transfers, direct deposit, and electronic banking transactions.
What bank uses routing number 051405515?
Routing number 051405515 is used by Capital One Bank N.A., primarily for traditional branch-based or legacy Capital One accounts.
Do all Capital One accounts use the same routing number?
No. Capital One routing numbers vary depending on the account platform and transfer network being used. Capital One 360 accounts commonly use 031176110, while traditional Capital One Bank accounts may use 051405515. Domestic wire transfers use a separate routing number, 056073612.
What is the Capital One SWIFT code?
Capital One uses SWIFT code HIBKUS44 for international wire transfers. SWIFT codes are used for cross-border bank identification and are different from domestic routing numbers. International wires may also require your account number, legal name, bank address, and intermediary bank details.
How do I find my Capital One routing number?
You can find your Capital One routing number in the Capital One Mobile app, online banking, on a paper check, or on account statements. In the app or online banking, open the account details section to view both your routing number and account number. This is the safest method because it shows the routing number tied to your specific account.
What happens if I use the wrong Capital One routing number?
Incorrect routing numbers usually cause rejected ACH transfers or delayed wire transfers. The most common mistake is using an ACH routing number for a wire transfer. ACH returns often take 1–3 business days, while wire-routing errors may take longer because they can require manual bank review.
Bottom Line
Capital One routing numbers depend on your account platform and transfer type. Capital One 360 accounts typically use 031176110 for ACH transfers and direct deposit, while traditional Capital One Bank accounts may use 051405515. Domestic wire transfers use 056073612, and international wires use SWIFT code HIBKUS44.
Always verify the routing number tied to your specific account inside the Capital One Mobile app or online banking before sending money, setting up direct deposit, or initiating wire transfers.
