Capital One operates both physical bank branches and a robust online banking platform (Capital One 360). The routing number you need depends on whether your account was opened online (Capital One 360) or at a branch — and if at a branch, which state. Most Capital One customers today use the 360 online routing number, which works for all online accounts nationwide.
Capital One Routing Numbers
| Account Type / State | Routing Number |
|---|---|
| Capital One 360 (all online accounts) | 031176110 |
| Connecticut | 221172186 |
| Delaware | 031176110 |
| District of Columbia | 051405515 |
| Louisiana | 065000090 |
| Maryland | 051405515 |
| New Jersey | 021407912 |
| New York | 021407912 |
| Texas | 111901014 |
| Virginia | 051405515 |
The most commonly used Capital One routing number is 031176110, which covers all Capital One 360 online accounts. If you opened your account through the Capital One website or app — including 360 Checking, 360 Savings, and 360 Performance Savings — this is your number.
Branch-based accounts use state-specific routing numbers that reflect Capital One’s acquisition history. The DC, Maryland, and Virginia number (051405515) comes from Capital One’s headquarters region, while the Louisiana number (065000090) dates back to Hibernia National Bank, which Capital One acquired in 2005.
Capital One Wire Transfer Routing Number
Wire transfers use the same routing number as ACH transactions for most Capital One accounts.
| Transfer Type | Routing Number |
|---|---|
| Domestic wire transfer | 051405515 |
| Capital One 360 ACH | 031176110 |
| International wire (SWIFT code) | NABORUMM |
Note that the wire transfer routing number (051405515) is different from the Capital One 360 ACH number (031176110). This is a common point of confusion — the 360 number works for direct deposits and ACH transfers, but wires require the 051405515 number.
For international wires into your Capital One account:
| Information | Details |
|---|---|
| SWIFT/BIC code | NABORUMM |
| Bank name | Capital One, N.A. |
| Bank address | 1680 Capital One Drive, McLean, VA 22102 |
| Your account number | Your Capital One account number |
How to Find Your Capital One Routing Number
1. Capital One Mobile App
Open the app → tap your account → tap “Account details” or “View account and routing number.” Both numbers are displayed together.
2. Capital One Online Banking
Log in at capitalone.com → select your account → click “View account numbers.” Your routing number appears alongside your account number.
3. On a Capital One Check
If you have Capital One checks, the routing number is the first 9 digits on the bottom-left corner. Not all Capital One accounts come with checks — 360 Savings and Performance Savings do not include checkwriting.
4. Customer Service
Call 1-800-655-2265 for Capital One 360 accounts or 1-800-227-4825 for branch accounts.
Former ING Direct Customers
Capital One acquired ING Direct in 2012 and converted all accounts to Capital One 360. If you were an ING Direct customer:
| ING Direct Account | Now Called | Routing Number |
|---|---|---|
| Electric Orange Checking | Capital One 360 Checking | 031176110 |
| Orange Savings | Capital One 360 Savings | 031176110 |
| Orange CDs | Capital One 360 CDs | 031176110 |
Your routing number changed from ING Direct’s original number to 031176110 during the transition. If you have any accounts still using the old ING Direct routing number, update them to avoid failed transactions.
Which Routing Number Do I Need?
| Transaction | Which Number |
|---|---|
| Direct deposit (360 online account) | 031176110 |
| Direct deposit (branch account) | State-specific |
| Automatic bill pay | Same as your ACH number |
| Linking to PayPal, Venmo, etc. | Same as your ACH number |
| Domestic wire transfer | 051405515 |
| International wire | SWIFT: NABORUMM |
The simplest way to determine your routing number is to check the Capital One app. Since account types and routing numbers can be confusing — especially for customers who’ve had accounts through the ING Direct transition — the app shows exactly which number is associated with each of your accounts.
Bottom Line
| Question | Answer |
|---|---|
| Capital One 360 routing number | 031176110 |
| Wire transfer routing number | 051405515 |
| SWIFT code | NABORUMM |
| Former ING Direct routing number? | Changed to 031176110 |
| Branch accounts vary by state? | Yes |
| Best way to verify | Capital One app → Account details |