Axos Bank routing number
Comprehensive guide to Axos Bank's single routing number for ACH transfers, wire transfers, and direct deposits across all 50 states.
Last verified June 2026
Axos Bank routing number
Use the ACH number for direct deposits and ACH transfers, the wire number for domestic wires, and the SWIFT code for international wires.
More about Axos Bank
Axos Bank Routing Number (Nationwide)
Axos Bank's ACH routing number is 122287251, used for direct deposits, ACH transfers, and domestic wires. SWIFT/BIC: PCBBUS66.
Why Does Axos Bank Use One Routing Number?
As a digital bank operating without traditional branch locations, Axos Bank processes all transactions through its central facility in San Diego, California. This streamlined approach means customers don't need to worry about which state routing number to use based on where they opened their account.
Benefits of a Single Routing Number:
- No confusion about which number to use
- Works regardless of where you live in the United States
- Simplifies setting up direct deposits and automatic payments
- Consistent across all account types
Important Note for International Wires:
For international wire transfers, Axos Bank uses an intermediary bank (Pacific Coast Bankers' Bank) with the SWIFT code PCBBUS66. International wires require special handling and must be sent in U.S. dollars.
Get it right the first time
A wrong number can bounce a transfer or send it into limbo. Two minutes here saves a week of waiting.
- Using the wire number for an ACH transfer (or vice-versa)
- Transposing a digit; always copy, don’t retype
- Forgetting the SWIFT code on incoming international wires
- Routing numbers are public — your account number is what to protect
- Only share account details over channels you initiated
- Verify new payees by phone before the first transfer
- Watch for invoice-swap scams that change banking details
How to find your account number
The 9-digit number in the lower-left, before your account number.
Sign in, open the account, and view account & routing details.
Printed near your account number in the statement header.
1-888-502-2967, or ask at any Axos Bank branch.
FAQs
Common questions about ACH and wires through Axos Bank
Why does Axos Bank only have one routing number?
Axos Bank was founded as a digital bank in 2000 (originally as Bank of Internet USA) and operates without physical branch locations. All transactions are processed through the bank's central facility in San Diego, California, which eliminates the need for multiple routing numbers. This simplified structure makes it easier for customers nationwide to remember and use a single routing number regardless of where they live or where they opened their account.
Can I use Axos Bank's routing number 122287251 for my account even if I don't live in California?
Yes, absolutely. The routing number 122287251 works for all Axos Bank customers nationwide, regardless of which state you live in. Since Axos Bank operates as a digital bank without state-by-state branches, the same routing number applies whether you're in New York, Texas, Florida, or any other state. This is one of the advantages of banking with a digital-first institution.
What's the difference between ACH and wire routing numbers at Axos Bank?
At Axos Bank, both ACH transfers and domestic wire transfers use the same routing number: 122287251. This simplifies the process significantly compared to banks that use different numbers for different transaction types. However, wire transfers typically process same-day if initiated before the cutoff time (1:00 PM PT for domestic, 12:00 PM PT for international), while ACH transfers usually take 1-3 business days to complete.
How do I send an international wire transfer through Axos Bank?
For international wire transfers, Axos Bank uses an intermediary bank system. You'll need to use Pacific Coast Bankers' Bank as the intermediary with SWIFT code PCBBUS66. International wires must be sent in U.S. dollars and have an earlier cutoff time of 12:00 PM Pacific Time for same-day processing. You can initiate international wires through your online banking portal or mobile app by selecting "Move Money" and then "Wire Transfers." Note that Axos Bank charges fees for outgoing international wires.
What should I do if I entered the wrong routing number for my Axos Bank account?
If you've provided an incorrect routing number for your Axos Bank account, contact the party initiating the transaction (such as your employer for direct deposit or the company for bill payment) immediately to provide the correct number: 122287251. If a transaction has already been initiated with the wrong number, it may be returned as invalid, which could result in delays and potential fees. You can verify your routing number anytime by logging into your Axos Bank online banking account and viewing your account details, or by calling customer service at 1-888-502-2967.
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