Know Your Discover Bank Routing Number

Discover Bank Routing Number RoutingNumberUSA

What’s The Discover Bank Routing Number?

Being a customer of Discover Bank, a person needs the Discover Routing Number to make their transactions. Banks and cashiers use routing numbers to recognize the financial institution behind a transaction. No transaction, whether online or offline, can happen without a routing number. The American Bankers Association designed the routing number system in 1910. The number system is in use since then. This article deals with the questions like how to find out Discover Bank routing number or what is the routing number for Discover Bank?

Discover Bank Routing Number RoutingNumberUSA

The table given below shows all the Discover Bank Routing Numbers.

Discover Bank ABA Routing Transit Numbers (RTN)

Here is the state wise list of Discover Bank Routing Number for Checking Account and Savings Account.
S No.Region/StatePostal AbbreviationRouting Number
1DelawareDL031100649

What is an ABA Routing Number?

An ABA Routing Number (ABA RTN) or Transit Number is a nine-digit code used in the US. It helps to identify the financial institution in a transaction. As mentioned earlier, the financial institutions uses routing numbers to help in sorting, bundling and shipping paper checks. But now, the ABA routing number incorporates new payment methods like ACH and wire.

The Federal Reserve Bank uses ABA RTN to process Fedwire fund transfers. Automated Clearing House uses it to process direct deposits, bill payments and other transfers. The American Bankers Association originally developed the ABA RTN system in 1910. The Association, since 1911, has partnered with several registrars (currently Accuity) to manage the RTN system.

ABA Routing Transit Number (RTN) RoutingNumberUSA

At the moment, there are approximately 26,895 active ABA RTNs in use.  Each financial institution in the US has at least one of these. The Routing Number Policy allows a financial institution to have up to 5 routing numbers. However, due to many mergers between institutions, a bank may have more than 5 routing numbers.


What’s The Discover Bank SWIFT Code?

Discover Bank relies on Bank of New York Mellon SWIFT Code for their international transactions.

The SWIFT Code for Discover Bank is- IRVTUS3N

What is a SWIFT Code?

SWIFT Code functions in the same way as a Routing Number. They help to identify  the financial institution behind a transaction globally. Banks use swift codes to transfer money between them for international wire transfers or SEPA payments. They also use swift codes to exchange messages.

A SWIFT Code has 8 to 11 characters and they are explained as follows:

AAAA BB CC DDD

  • Bank Code- First four letters (alphabets) (Usually a shortened version of a bank’s name)
  • Country Code- Next two letters (alphabets) (The country bank is located in)
  • Location Code- 2 digit location code (alphabets or digits) (Location of bank’s head office)
  • Branch Code- optional three digits (alphabets or digits) (It specifies banks branch instead of head office)

Things To Know About Discover Bank

Discover Bank, as we know today, originally started as The Greenwood Trust Company in 1911. They were based in Greenwood, Delaware. Discover Financial Services acquired Greenwood Trust in 1985. They, then, renamed it as Discover Bank in 2000. The original location of Greenwood Trust Co. on East Market Street is still operating. It is the only banking location of Discover Bank.

Discover bank issues most of the Discover Cards. Its transactions are processed through the Discover Network payment network. In February 2006, Discover announced that they would begin offering Discover Debit cards to banks. This feat was possible by the Pulse payment system acquired by Discover in 2005. Discover was a part of Morgan Stanley, until 2007, when Discover Financial Services became an independent company. If you have an account in the Morgan Stanley bank, then you need the Morgan Stanley Routing Number for various monetary transactions. 

Discover Bank ABA Routing Number RoutingNumberUSA

The corporate office of Discover Bank is based in Salt Lake City, Utah. Its address is:

Discover Bank, Salt Lake City, Utah 84130