How to Get a Virtual Bank Account With Routing Number

In this guide, I will show you how to get a virtual bank account without a routing number.
virtual bank account without routing number

Virtual Bank Accounts with Routing Number might sound strange and somehow difficult but it is pretty easy to find. In the United States, new virtual bank providers such as N26 US, Wise and Revolut, as well as most other virtual bank account providers, have their own routing numbers. 

All banks as well as many other financial institutions in the US, use a routing number. These number consists of up of nine-digits and are used by banks to identify themselves. These routing numbers are needed in order to make wire transfers in the US.

What is a routing number?

A routing number (ABA routing transit number (ABA RTN)) is a nine digits code used by banks to identify specific financial institutions within the United States. It was originally designed to facilitate the sorting and delivering checks to the drawer’s bank. It’s your bank’s address.

The code is the first set of numbers printed on the bottom of your checks, on the left side. You can also find it on your monthly statement or once you login into your account or look it up here. A routing number is the same for all account holders at a bank or credit union.

When you opt for new banking alternatives such as virtual banking, you will get a virtual bank routing number in addition to your virtual bank account number to facilitate your transactions.

Routing Number vs SWIFT Code vs IBAN

International banking transactions use BIC/SWIFT codes as well as IBAN. SWIFT identifies banks and financial institutions while IBAN (International Bank Account Numbers) identify individual bank accounts. It was originally developed to facilitate payments within the European Union but it is now applied even outside the EU.

How to Spot Routing Number From Account Number

It is always important to know the difference between virtual routing and account number. Your account number is usually 10-12 digits and it identifies your personal account. It is your bank ID. A routing number is a 9-digit number that is specific to a financial institution. It is the institution’s ID. A routing number is the first sent of number printed on the bottom of your checks while account number is the second set of numbers printed on the bottom of your checks. You can also find both of them when you log into your account.

Best Virtual Bank Accounts With Routing Number

Below are the best virtual banks with routing number.


Previously known as Transferwise, Wise is a convenient, cheap and fast virtual banking solution for sending and receiving money in the comfort of your home or office. Wise has Automated clearing house (ACH) routing number, wire transfers routing number, and virtual checking account routing number.


Payoneer is an American Fintech virtual banking institution that allows you to receive payments from US banks through their Global Payment Service features. This features provides you with a 9-digit routing number for Payoneer. This is how to find Payoneer routing number. Just log into your Payoneer account then go to Global Payment Service under "Receive" menu. Once you choose a currency, you will be provided with a Payoneer account routing number.

What is My N26 Routing Number

N26 is a German virtual bank solution for residents of Europe and the US. If you want to fund your account via direct deposit, you need to give the sender N26 routing number (routing number 122287675) and your personal account number, located on “My Account” menu on the website or app.

What is virtual bank account number?
There is a great difference between virtual bank routing number and a virtual account number. A Virtual Account Number is a 16 digit number created every time you make a transaction. It prevents your account number and details from appearing on your transactions.

Axos Routing Number

Previously known as BofI Federal Bank until October 2018, Axos Bank is an American virtual bank. It was Best Online Bank 2020 (My Bank Tracker) and Best Checking Account 2020 (Nerdwallet). Axos bank has 11 routing numbers. However, only 122287251 Axos bank routing number processes both FedACH and Fedwire payments.

Bunq Routing Number

Bunq bank does not use virtual account routing numbers. They do not provide bank account in the US. To send payments to your Bunq account, you need your IBAN or for outside of Europe, you need to transfer using SWIFT. You can find your own IBAN by going to Accounts and tap on your account.

Routing number on card!
It is not necessary for you to search for a routing number or your debit card or prepaid card. Bank cards don’t show routing number.

Conclusion and Final Thoughts on Virtual Bank Account Without Routing Number

Financial institutions always publish routing numbers on their websites and for some banks you need to login to the online banking system to get the correct routing number. When providing routing number information, you will need two components: the nine-digit code based on the US bank location and your account number, which is the 10-12 digits that is unique to your personal account.

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About the Author

Hi everyone, I'm Tebid Kelly! Shopping is my passion, and I'm known for scoring the best deals and navigating the online shopping world with ease. With years of experience using various digital payment apps like Apple Pay, Google Pay, Cash A…

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