Axos Bank’s routing number is 122287251. This single number applies to every Axos account — checking, savings, and money market. The SWIFT code for international incoming wires is IOBTUS66.
Axos Bank Routing Number at a Glance
| Detail | Value |
|---|---|
| ABA routing number | 122287251 |
| SWIFT code (international) | IOBTUS66 |
| Coverage | All Axos Bank accounts |
| Founded | 2000 (originally Bank of Internet USA) |
| FDIC insured | Yes |
What to Use Routing Number 122287251 For
| Use Case | Use This |
|---|---|
| Direct deposit (payroll) | 122287251 |
| Government benefits (SSA, IRS refunds) | 122287251 |
| ACH bank-to-bank transfer | 122287251 |
| Outgoing domestic wire | 122287251 |
| Incoming domestic wire | 122287251 |
| International incoming wire | SWIFT: IOBTUS66 + 122287251 |
| Zelle | ❌ Not supported |
Setting Up Direct Deposit at Axos Bank
To route your paycheck to Axos, provide your employer’s HR or payroll department with:
- Routing number: 122287251
- Account number: Your full Axos account number (found in Account Details)
- Account type: Checking or Savings
Most employers process the change within 1–2 pay cycles. To get a prefilled direct deposit authorization form, log into online banking, select your account, and go to Account Details → Direct Deposit Form.
Setting up direct deposit on an Axos Rewards Checking account can also unlock the highest available interest rate tier on that account — Axos uses direct deposit activity as one of its monthly qualification criteria.
If Your First Direct Deposit Goes to the Wrong Account
If you recently switched banks and a direct deposit posts to your old account instead of Axos:
- Contact your old bank immediately to request a redirect or return of the funds
- Contact your employer’s payroll department to confirm the routing change is saved
- Allow an additional pay cycle if payroll was processed before your change was submitted
ACH Transfers
ACH (Automated Clearing House) transfers use routing number 122287251 for both incoming and outgoing transfers between Axos and external banks.
ACH transfer timing at Axos Bank:
| Direction | Typical Time |
|---|---|
| Incoming ACH | 1–3 business days |
| Outgoing ACH | 1–3 business days |
| Next-day ACH (if available) | 1 business day |
ACH transfers do not process on weekends or federal holidays. A transfer initiated Friday afternoon will typically post Tuesday. For ACH sending limits and daily caps, see Axos Bank transfer limits.
Wire Transfers
Wire transfers at Axos are faster than ACH (same business day or next business day) but carry fees for outgoing transfers.
Wire transfer details:
| Transfer Type | Routing Info | Fee |
|---|---|---|
| Incoming domestic wire | 122287251 | Typically free |
| Outgoing domestic wire | 122287251 | Fee applies (see fee schedule) |
| Incoming international wire | SWIFT: IOBTUS66 | Typically free |
| Outgoing international wire | Contact Axos | Contact Axos |
To initiate an outgoing wire, log into online banking and navigate to Transfers → Wire Transfer, or call Axos customer service at 1-888-502-2967 (available 24/7). You’ll need the recipient’s bank routing number, account number, and bank address for domestic wires. For international wires, you’ll also need the recipient’s SWIFT/BIC code.
For the full fee schedule on wire transfers and other Axos charges, see the Axos Bank fees guide.
How to Find Your Axos Routing Number
Online banking: Log in → select account → Account Details → routing number 122287251 displayed.
Axos mobile app: Tap your account → Account Details → routing number shown alongside your account number.
Phone: Call 1-888-502-2967, available 24/7. Representatives can also provide wire transfer instructions and bank address details needed for incoming wires.
Check (if you have paper checks): The 9-digit routing number is the first set of numbers printed in the bottom-left corner of every Axos check.
A Note on Zelle
Axos Bank does not support Zelle. For peer-to-peer payments, Axos customers typically use:
- ACH transfer to an external bank (free, 1–3 days)
- Third-party apps (Venmo, PayPal, Cash App) linked to your Axos debit card or account
The Bottom Line
Axos Bank’s routing number — 122287251 — is used for all direct deposits, ACH transfers, and domestic wire transfers. The SWIFT code IOBTUS66 is used for incoming international wires. There is one routing number for all Axos accounts; no regional variations apply.
For the complete overview of Axos Bank accounts, fees, and ATM reimbursement, visit the Axos Bank hub.
The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy