In the United States, banks use different routing numbers to process different types of transfers:
- ACH routing numbers (sometimes just called “domestic” routing numbers) are typically for local electronic transfers, direct deposits, and other ACH payments within the US.
- Wire routing numbers are used for wire transfers, which may be domestic or international.
- International or SWIFT codes are specifically for cross-border wire transfers.
Some banks use the same 9-digit number for all domestic payments (ACH and wire). Others will use distinct routing numbers depending on the situation.
If you provide a routing number that doesn’t match the type of transfer you’re making, your payment may be rejected or returned by the bank.
What if I was contacted and asked to confirm the routing number for my transfer?
This means that we’ve identified the routing number on your transfer may not match the type of transfer you’re making. To avoid any delay or potential return of funds, you’ll need to confirm the correct routing number with us.
How do I find the routing number?
There are several ways to identify a US bank's routing number:
- Check a paper cheque: Look for a 9-digit routing number at the bottom left. Some banks also print their ACH routing number on account statements.
- Visit the bank’s website: Many banks publish separate routing numbers for different states or for wire transfers versus ACH payments.
- Contact the bank: If you’re unsure which number applies to your transfer, the bank customer support can clarify this for you.
What if my bank says the same number works for both wire and ACH?
Some banks use a single “dual” routing number that’s valid for multiple types of payments. If your bank confirms that the same number is appropriate for ACH, you can continue using it, just contact us to let us know.
Next steps once you have the correct routing number
Once you have confirmed which routing number you should use, please:
- Update your details: Log in to your Xe account, select the Recipient tab, and update the routing number.
- Let us know: If we’ve reached out about your routing number, reply to our message once you’ve updated it.
We’ll proceed with your transfer as soon as the correct details are in place.