Discover Bank Routing Number (Complete Guide)

Discover Bank routing number.

If you’re looking to make a wire transfer, send money, order new checks, or set up direct deposit, you’ll need to know your Discover Bank routing number.

There is only one number you need to be aware of if you have a Discover Bank account.

Some large banks have multiple routing numbers, which might vary by state. That said, Discover Bank only has one number you need to know.

You will also find an explanation of what a routing number is, routing numbers for ACH transfers, the wire transfer routing number, and which routing number you use for your tax return.

Discover Bank Routing Number

Discover Bank Routing Number

What is a Routing Number?

A routing number is a 9-digit code that identifies the financial institution you use. A routing number can also be referred to as an ABA routing number or RTN.

Banks each have their own unique routing numbers which are often location-dependent. The same bank might have a different routing number depending on the state. However, Discover Bank only has one number you need to remember.

How To Get My Discover Bank Routing Number?

You can get your Discover Bank routing number by looking at your monthly statement, the bottom left corner of your check, and by either calling customer service at your bank or visiting their website. Additionally, you can get your routing number by looking it up on the official Federal Reserve website.

These are all options for getting your routing number if you cannot find it listed in this article. Finding your routing number takes less than a minute and is very easy to do.

Wire Routing Number For Discover Bank

Wire transfers are a secure and fast way to electronically move money. A wire transfer can take anywhere from a couple of days to just a few minutes. Banks might use a different routing number to help process these transactions quicker and more efficiently.

For wire transfers inside of the United States, the routing number is 031100649. Wire transfers made outside of the United States to a USA account have a routing number of 031100649. The SWIFT code for Discover Bank is IRVTUS3N.

You might notice there is a slight difference in the code used for international transfers. For transfers made outside the United States, a SWIFT code is also needed.

Discover Bank Routing Number For ACH Transfers

To send an ACH transfer to a Discover Bank account, you will need an ACH routing number. ACH routing numbers are used for electronic withdrawals and transfers between financial institutions.

Check the table listed above in this article to find your routing number.

How Many Digits is Discover Bank Routing Number?

Discover Bank routing numbers have 9 digits. Depending on where you open your account, these digits will vary. But every routing number will have a total of 9 digits.

All Discover Bank routing numbers will have 9 digits. Contact customer service at your bank if you are questioning whether your routing number is correct. Visiting their website to double-check the routing number is legitimate is also an option.

Is Discover Bank Routing Number The Same For Everyone?

Discover Bank routing numbers are the same for everyone. Your routing number will stay the same no matter where you first opened your account.

Keep in mind, if you move states, your routing number will most likely stay the same. So if you originally opened a Discover Bank account in Florida, there is a good chance it will remain the same if you move to another state.

Do All Discover Banks Have The Same Routing Number?

All Discover Bank accounts use the same routing number. Discover Bank is not like Wells Fargo or US Bank, where they use multiple different routing numbers based on where you opened your account.

No matter your location, the routing number you will use is 031100649. This number will stay the same even if you move.

Which Routing Number Do I Use For Tax Return Discover Bank?

The Discover Bank routing number you use for tax returns should be the same routing number you use for direct deposit or electronic payments. Getting your tax return refunded via direct deposit is much faster and safer than receiving a check in the mail.

To do so, you will likely need to know what your routing number is. Luckily, finding your routing number is extremely easy to do. All you need to do is check out the table above in this article to find your routing number.

At the start of this article, there is a table that includes all the Discover Bank routing numbers.

Other common ways to find your routing number used for your tax return include visiting your bank’s website or calling customer service.


Your routing number is decided based on a few different factors. One of the main factors being the location of where your account was initially opened.

Banks such as TD Bank, PNC, and US Bank all have multiple routing numbers which vary from state to state. With Discover Bank, you only have one number you need to know no matter the state you live in.

A routing number is used if you are attempting to set up direct deposit, send wire transfers, order new checks, or send money to someone.

If you end up moving from your original location, your routing number will most likely stay the same. The number you had when you originally made your Discover Bank account is the one that will stay with you, even if you move.

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