What is Axos Bank's routing number?

Axos Bank's routing number is 122287251. This single number applies to all Axos Bank accounts — Rewards Checking, Essential Checking, High Yield Savings, and all other personal accounts. Use it for direct deposit, ACH transfers, and wire transfers.

What is Axos Bank's SWIFT code for international wires?

Axos Bank's SWIFT code is IOBTUS66. Use this code for international incoming wire transfers into your Axos account, along with routing number 122287251 and your account number.

How do I set up direct deposit at Axos Bank?

To set up direct deposit at Axos Bank, provide your employer's payroll department with routing number 122287251 and your full Axos account number. Axos also offers a direct deposit form in the online banking portal under Account Details.

Axos Bank Routing Number 2026: 122287251 — Direct Deposit & Wire

Axos Bank’s routing number is 122287251. This single number applies to every Axos account. The SWIFT code for international wires is IOBTUS66.

Axos Bank Routing Number

Detail	Number
ABA routing number	122287251
SWIFT code	IOBTUS66
Coverage	All Axos Bank accounts

What to Use 122287251 For

Use Case	Routing Number
Direct deposit (payroll)	✅ 122287251
Government benefits	✅ 122287251
ACH bank-to-bank transfer	✅ 122287251
Outgoing domestic wire	✅ 122287251
Incoming domestic wire	✅ 122287251
International incoming wire	✅ SWIFT IOBTUS66
Zelle	❌ Not supported

How to Find Your Axos Routing Number

Online banking: Log in → select account → Account Details → routing number displayed.

Axos app: Tap account → Account Details → routing number 122287251 shown.

Phone: 1-888-502-2967, 24/7.

Note on Zelle

Axos Bank does not support Zelle. For peer-to-peer payments, Axos customers typically use ACH transfers or third-party apps (Venmo, PayPal, Cash App) linked to their Axos account.

Axos Bank fees 2026 — $0 monthly, unlimited ATM reimbursement
Axos Bank transfer limit 2026 — ACH limits, wire fees
Axos Bank customer service 2026 — 1-888-502-2967, 24/7
Axos Bank vs Schwab 2026 — ATM reimbursement comparison

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