Wells Fargo Routing Numbers in the US (Complete 2025 List)
Wells Fargo routing numbers are crucial for anyone moving money in or out of a Wells Fargo bank account. Whether you’re a small business owner, a freelancer coordinating payments, or a finance officer processing payroll, the right routing number keeps your transactions accurate and on time.
Interestingly, Wells Fargo doesn’t stick to a single routing code: every state (or group of states) may have a unique one. If you’re also curious about other banks, see our Chase routing numbers guide for another example of how big institutions manage multiple codes.
Below, you’ll find a detailed breakdown of Wells Fargo’s routing numbers, methods to identify the correct one for your account, and answers to common questions about using these codes in 2025.
Why Wells Fargo Uses Multiple Routing Numbers
Wells Fargo has expanded considerably since its founding in 1852. Mergers, acquisitions, and regional differences shaped the need for multiple routing numbers. In the early 1900s, the American Bankers Association (ABA) created the routing system to help organize check processing. Today, these nine-digit codes do more than process paper checks: they facilitate direct deposits, wire transfers, and other electronic payments.
If you opened a Wells Fargo account in California, for instance, you’d typically use 121042882. But someone who opened an account in Texas would rely on 111900659. Making sure you’re applying the right one is essential to avoid misrouted funds.
Statistic: Recent data shows Wells Fargo uses over 30 different routing numbers across the United States for checking and ACH transfers.[1]
Notable Wells Fargo Routing Numbers for 2025
Wells Fargo’s routing numbers are mostly tied to the state where you initially opened your account. Below are a few well-known ones:
California: 121042882
Texas: 111900659
New York: 026012881
Florida: 063107513
Illinois: 071101307
You may also encounter one special code for wire transfers (more on that shortly). If you’re curious how other large banks handle the same practice, you might compare it with Truist routing numbers to see that the concept remains consistent across the industry.
Why State-Specific Numbers Still Matter
While online banking might feel border-free, the underlying infrastructure still recognizes banking regions. If you use the wrong routing number, a transfer can fail or be delayed. Even if you move out of state, your Wells Fargo account typically keeps the original state’s code. That’s something to keep in mind when you switch jobs or relocate.
How to Find the Correct Routing Number for Your Account
There are several ways to identify the right routing number:
Check the Bottom of Your Checks
The first nine digits to the far left are the routing code. The next set is your account number, followed by the check number.Wells Fargo Online Banking
Log in, select your account, and choose the option to view “account details,” which usually includes your routing number.Contact Customer Service
If there’s any discrepancy, or if you have a specialized account, calling Wells Fargo is often the fastest way to confirm.Mobile App
Similar to online banking, the app includes account settings that display your routing number.Routing Number Lookup Tools
Wells Fargo’s own site has a lookup feature where you choose the state tied to your account. You can also use the Federal Reserve E-Payments Routing Directory for verification.
Domestic Wire Transfer Routing Number
Most standard Wells Fargo transactions—like checks and ACH payments—use the state-specific number. However, all domestic wire transfers route through 121000248. This single code simplifies large-sum or time-sensitive transfers. Wire activity often involves higher scrutiny and different processing systems, which is why the bank employs a distinct code here.
Statistic: Research indicates wire transfers make up a significant portion of payments at major banks each year, with the ACH network alone processing 29.1 billion payments valued at $72.6 trillion in 2022.[3]
International Wires and SWIFT Codes
For international wires, Wells Fargo uses a SWIFT code: WFBIUS6S. Along with that code, international transfers typically require:
Recipient’s name and full address
Recipient’s account number
Wells Fargo’s address: 420 Montgomery Street, San Francisco, CA 94104
Any relevant IBAN or country-specific details
Frequently Asked Questions About Wells Fargo Routing Numbers
Is the Routing Number Different for Savings vs. Checking?
Usually not—if both accounts were opened in the same state, Wells Fargo applies the same routing code for checking and savings. However, always verify if you have a specialty account.
Do Business Accounts Use the Same Routing Number?
Yes, in most cases. But high-volume business accounts might sometimes have unique identifiers. Still, the safest route is to confirm with Wells Fargo if you suspect anything special about your business setup.
Can One State Have Multiple Numbers?
Yes. Large states or those with older banking divisions might show more than one code. For example, there can be legacy codes from past mergers.
What If I Mistype the Routing Number?
If you catch the error quickly, contact Wells Fargo immediately. The transaction might bounce or go into a “pending” state. Providing correct details usually resolves the issue.
Integrating Mural Pay for Multi-Currency Needs
Businesses relying on Wells Fargo for local U.S. transactions often face higher exchange fees or slower turnaround when paying suppliers overseas. If you’re looking for a cost-effective cross-border approach, consider Mural Pay’s currency conversion solutions. By converting USD to over 40 currencies at competitive rates, Mural Pay helps cut expenses and time for global payouts. It’s particularly appealing to mid-sized and large companies that manage frequent international transfers.
Faster cross-border transactions
Traditional wire processes can take days, especially if multiple intermediary banks are involved. Mural Pay settles payments faster by leveraging streamlined networks.Bulk payment capability
Send money to multiple recipients in one go. This simplifies payroll for contractors and suppliers stationed in different countries.Compliance support
Keeping track of transaction records is vital for any regulated sector. Mural Pay’s platform offers real-time monitoring and ensures KYC/KYB readiness.
Comparing Wells Fargo Routing Numbers to Other Banks
Wells Fargo is not alone in using multiple codes for different regions. Institutions such as BMO Harris or Bank of America also do this. If you need a side-by-side example, check out BMO Harris routing numbers. You’ll notice the same logic applies: distinct codes per state for efficient clearinghouse operations.
The important takeaway is that each major bank invests in a network of codes to route day-to-day transactions—and each wire or ACH request passes through layers of security checks. Understanding that system prepares you to spot any mismatches before finalizing a payment.
Wrapping Up
Wells Fargo’s approach to routing numbers might feel complex at first, but once you confirm the code for your specific state and transaction type, the rest falls into place. Whether you’re sending domestic wires or receiving direct deposits, always double-check those nine digits. Doing so prevents unwelcome posting delays or lost funds. And if you need to speed up your global payments or reduce foreign exchange overhead, it may be time to explore solutions like Mural Pay.
For more insights on wire transfers in general, including typical timelines, be sure to read about how long domestic vs. international wire transfers typically require. Staying informed will help you avoid the pitfalls of incorrect codes or unexpected banking delays.
References
Statrys. (2023). “Wells Fargo’s Routing Number in the US.” Available at: https://statrys.com/blog/wells-fargo-routing-number
Money Crashers. (2023). “Wells Fargo Routing Number: State-by-State List.” Available at: https://www.moneycrashers.com/wells-fargo-routing-numbers
NACHA. (2023). “ACH Network Volume and Value.” Available at: https://www.nacha.org
Ria Money Transfer. (2023). “Wells Fargo Routing Number.” Available at: https://www.riamoneytransfer.com/en-us/wells-fargo-routing-number
