Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

USAA routing numbers

Find the correct numbers to set up payments, transfers and autopay in the US and worldwide.

USAA uses different routing numbers depending on several factors, including payment type and the transaction's origin or destination. You'll need this eight to 11-digit code so that banks can locate your account and process transactions like checks, automatic payments, online payments and money transfers in the US and worldwide. Learn how to find the exact routing number you need for your USAA account.

Which USAA routing number do I need?

The routing number you need to send or receive money through USAA depends on whether your payment or transfer is domestic or international.
Transaction Type of routing number USAA code
Payments and debits between US accounts ACH routing number 314074269
Wire payments between US accounts Domestic wire transfer number 314074269
Wire payments to an international account SWIFT code IRVTUS3NXXX

USAA ACH transfer routing number

The ACH routing number for USAA is 314074269. Short for Automatic Clearing House, ACH numbers are unique to each bank in the US. The ACH number and your bank account number are used by banks and transfer apps like Zelle or Cash App to identify the exact account payments should be taken from and sent to.

USAA wire transfer routing number

The routing number for US wire transfers through USAA is 314074269. You can use this same number to receive international wire transfers to your USAA account.


The SWIFT code for international wire transfers through USAA is IRVTUS3NXXX. SWIFT codes are a unique combination of letters and numbers that identify specific banks and financial institutions around the globe. Codes indicate four pieces of information used to exchange money internationally between accounts:
  • The bank's name
  • Its country code
  • Its main headquarters
  • A particular branch

How to confirm the routing number for USAA on your own

Look at a paper check associated with your USAA account to find the routing and account numbers for your account.

Other ways to confirm the correct USAA routing number include:
  • Call your bank. Your local USAA branch or toll-free support line can provide you with routing numbers.
  • Sign in to your online account. Many online bank systems allow you to view the routing and account numbers from your customer dashboard.
  • Search Fedwire. Use your name, city or state to look up routing numbers for USAA or double-check the one you have is correct.

Can routing numbers for USAA change?

Yes. A bank may be assigned more than one routing number depending on its size and the number of states it services. While USAA is headquartered in San Antonio, services or branches in states outside of Texas may require a different routing number. Confirm routing numbers with a USAA agent if you're not sure.

Bottom line

Routing numbers help banks identify your exact account to make digital payments, transfer money and even process paper checks between branches, states and countries. Learn more about how USAA and other financial institutions use these codes to manage your money in our guide to routing numbers.

More guides on Finder

Ask an Expert provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site