Everything you need to know about an ABA Routing Number

Everything you need to know about an ABA Routing Number

What is a Routing number

3 minute read

An ABA Routing Number is a nine digit code that identifies a bank in the USA. Every US bank or financial institution has a Routing Number, which is used by both domestic and international banks to locate the specific branch for payment through Fedwire. Different regions within the United States hold different Routing Numbers, which is why it’s important to enter the correct code when making a payment to a US bank account.

A Routing Number comprises digits that identify the bank’s physical location, as well as the Federal Reserve check processing centre that serves that bank.


Is ABA the same as Routing Number?

An ABA Routing Number is often referred to as simply a Routing Number, while some banks and financial institutions may recognise the code as a Bank Routing Number or a Routing Transit Number (RTN). This can lead to confusion for some, especially as banks in Ireland may refer to it as one of these alternative terms. However, these terms are interchangeable and all refer to the same ABA Routing Number.  


Is a US Routing Number needed for an international bank transfer?

In order to send an overseas payment to a bank account in the United States, you will need to acquire the Routing Number for the intended recipient’s account. This is necessary if you wish to send your payment through Fedwire, and can also be provided optionally if you are making your international payment through the SWIFT system and providing a BIC / SWIFT code. This will make it even easier for your bank to identify the recipient bank.


How to find a US Routing Number

If you need to send money to the USA, then the recipient should have provided you with their ABA Routing Number prior to you making the payment. If they are unsure of their number, it can typically be found on the bottom left-hand corner of each check in their check book.


How to find out Routing Number without a check

In the event that the recipient is unable to provide you with their Routing Number from their check book, it should also be displayed in the account section of their online banking account. Of course, if they are still unable to provide you with their Bank Routing Number, you can contact your own bank and they can calculate the code for you before you make the payment.


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When making an international transfer to a US bank account through your high-street bank, you can sometimes be charged a very high fee per transaction, and receive a poor rate for your exchange.

Fortunately, with a moneycorp account, you’ll receive competitive exchange rates and can enjoy low fees on all of your overseas payments. In addition, there are no fees on payments you make online.

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