A routing number (also called an ABA routing number) is a nine-digit code that identifies a specific US bank or financial institution for domestic transfers. Paired with an account number, it routes ACH and wire payments to the correct destination in the United States — the routing number says which bank, the account number says which account. If you pay a US supplier or contractor, or receive dollars from a US client, the routing number plus account number is the standard pair of details for domestic USD movement. For international transfers, a SWIFT/BIC code may also be involved. Financiar supports USD balances and same-currency USD payouts, so dollars paid to US counterparties stay in dollars rather than being converted along the way.
Routing number vs account number
The routing number identifies the bank for US domestic transfers; the account number identifies the specific account. ACH (batch) and wire (faster, costlier) both rely on this pair. Different transfer types may use slightly different routing numbers at the same bank.
Domestic vs international
Within the US, routing plus account number is enough. For money arriving from abroad, a SWIFT/BIC may be needed too. Same-currency USD settlement keeps dollar payments clean by avoiding any conversion layer.
FAQ
Is a routing number the same as a SWIFT code?
No. A routing number is for US domestic transfers (nine digits); a SWIFT/BIC identifies a bank internationally. International payments into a US account may use the SWIFT code.
Do I need a routing number to receive USD?
For US domestic USD payments, routing and account number are the standard details. Financiar supports same-currency USD, so dollars in and out remain dollars.
Built for businesses in Africa, North America & Europe
Spend management, virtual USD/EUR/GBP cards, payroll, and same-currency payouts — available in 20+ countries.
Get started free