Capital One routing number

The one shown inside your own account. Capital One’s current personal-account help page publishes no number or state table; it directs you to the routing number in your own account details.

1. 1

   On capitalone.com

   Sign in, click the account you need, then click the “view details” link to the left of your balance.

2. 2

   In the Capital One Mobile app

   Sign in, select the account, scroll to “Account Details” and tap “View All”.

3. 3

   For a Small Business check

   The nine digits at the bottom left can differ from the account-details number; Capital One says either can receive direct deposits, wires and ACH payments for Small Business accounts.

4. 4

   On a paper statement

   If you are not enrolled in digital banking your account number is at the top of the statement, but Capital One asks you to phone in for the routing number.

That is not evasion on Capital One’s part — it is the only workable answer. All 80 routing numbers filed under Capital One, N.A. in this snapshot carry the same Richmond, Virginia servicing address, so this record cannot identify which number belongs to a particular customer account.

Capital One, N.A. is the surviving charter in a long merger history. FDIC records establish which institutions merged into it and when; they do not establish which of the 80 routing numbers came from each institution.

FDIC and OCC records show the bank now called Capital One, National Association was established on 22 May 1933 and was formerly Hibernia National Bank of New Orleans before the name changed in April 2006. Capital One’s published SWIFT code, HIBKUS44, retains that Hibernia prefix; the repo SWIFT snapshot also lists a Houston Hibernia code and two North Fork codes under Capital One, N.A.

SWIFT / BIC

HIBKUS44

Bank address

1680 Capital One Drive, McLean, VA 22102-3491

Routing number

The one under “View Details” on the recipient’s account

Account number

The recipient’s, exactly as shown

As checked on 8 August 2026, Capital One charges a $15 incoming wire fee on Essential Checking, High-Yield Checking and Essential Savings; its help page says all other account types are not charged. A domestic wire is deposited and available the same business day if received by 5 p.m. ET, while an inbound international wire takes three to five business days.

The split is unusual and catches people out: individuals cannot send a domestic wire in a branch, and cannot send an international wire any other way. Online daily limits run to $500,000 to a title company and $50,000 to a person or company, with no limit to an external account you have linked — though that link must have been on file for 30 days first.

Capital One gives this guidance specifically for Small Business banking: “Your bank account and check have different routing numbers, but you can use either for receiving direct deposits, wire transfers and ACH payments.” The cited page does not extend that rule to every personal account.

• Between two Capital One accounts: instant.
• Capital One out to an external bank: one to three business days.
• External bank in to Capital One: posts the same business day if set up before 5 p.m. ET, subject to standard holds.
• You may link at most three external accounts for transfers.

1. 01Read the nine digits back against the recipient’s own account screen before you send, not against a directory.
2. 02To check whether a wire actually went out, Capital One asks you to call 1-800-655-2265.
3. 03If Capital One stops a domestic outgoing wire, it refunds the fee.
4. 04Report an error in writing when you discover it or within fourteen days after the statement is made available, whichever is earlier. Missing that deadline releases Capital One from an obligation to pay interest on an amount for which it is liable.