Skip to content 
An ABA number, also known as a routing number, is a nine-digit code used to identify banks and financial institutions in the United States. This number ensures that your funds reach the correct destination when transferring money between accounts, particularly within the U.S.
At Remit Choice, we understand that sending money home should be simple, secure, and stress-free. Whether you’re transferring funds to the U.S. or from it, knowing your bank’s ABA number can make all the difference in ensuring your transaction is processed correctly.
Understanding the Basics of ABA Numbers
The American Bankers Association (ABA) introduced the routing number system in 1910 to streamline financial transactions across different banks. Each ABA number uniquely identifies a bank and its branch, ensuring precision in routing payments and checks.
For instance, when you send money through Remit Choice to an American bank, the ABA number helps route your funds directly to the correct institution.
The Structure of an ABA Routing Number
An ABA number consists of nine digits, each carrying specific meaning:
- First four digits – Identify the Federal Reserve routing symbol.
- Next four digits – Represent the bank or financial institution.
- Last digit – Serves as a “check digit” to validate the entire sequence.
This structure ensures every transaction is authenticated and traceable, minimizing human error.
ABA Number vs Routing Number vs SWIFT Code
While ABA numbers are often called routing numbers, there are key distinctions between ABA and SWIFT codes:
| Type | Used For | Region |
| ABA Number | Domestic transfers | United States |
| SWIFT/BIC Code | International transfers | Global |
| IBAN | Cross-border transactions | Europe and other regions |
For Remit Choice users, you’ll typically need a SWIFT code for international transfers and an ABA number for payments within the U.S.
Why ABA Numbers Matter for Domestic and International Transfers
The ABA number ensures that your money reaches the right financial institution safely. In domestic transfers, it’s used to process ACH or wire transactions efficiently.
When sending money abroad through Remit Choice, the ABA number is vital if your recipient’s bank account is based in the United States. It helps facilitate direct deposits without delays or rejections.
Where to Find an ABA Number
You can easily find your ABA number:
- On the bottom left corner of a check
- In your bank’s mobile app
- On your bank statement
- Through official bank websites
For instance, you can visit the American Bankers Association Routing Number Lookup or check via the Federal Reserve’s E-Payments Routing Directory.
ABA Numbers and International Transfers with Remit Choice
Remit Choice allows you to send money seamlessly to the USA and 70+ countries worldwide. When transferring funds to U.S. banks, inputting the correct ABA number ensures faster and more reliable delivery.
Our platform automatically validates recipient details, minimizing the risk of errors — so your loved ones receive funds without unnecessary delays or fees.
Remit Choice – Send Money Seamlessly to 70+ Countries
Whether you’re sending money for family support, business payments, or education, Remit Choice offers zero-fee transfers, competitive exchange rates, and instant processing in many destinations. With partnerships across global banks, we make sure every transaction is efficient and transparent.
Common Mistakes with ABA Numbers
- Typing incorrect digits
- Using old or inactive bank details
- Confusing SWIFT with ABA numbers
- Leaving the ABA field blank during transfers
Always double-check your recipient’s details before confirming a transaction with Remit Choice.
How to Verify an ABA Number
Use trusted financial sources to confirm bank routing numbers:
- ✅ Federal Reserve Directory
- ✅ ABA Routing Number Lookup Tool
- ✅ Investopedia Guide on Routing Numbers
FAQs about ABA Numbers and Remit Choice Transfers
Q1: What is an ABA number used for?
It’s used to route funds accurately between U.S. banks during domestic transactions.
Q2: Can I use my ABA number for international transfers?
Only when sending funds to or from a U.S. bank. For other countries, use SWIFT or IBAN codes.
Q3: Does Remit Choice require an ABA number?
Yes, if you’re sending money to the United States, an ABA number ensures correct routing.
Q4: Where can I find my bank’s ABA number?
On your check, bank statement, or online banking portal.
Q5: Is it safe to share my ABA number?
Yes — it’s publicly associated with your bank, not your personal account.
Q6: Why choose Remit Choice for money transfers?
Because we offer fast, secure, and zero-fee transfers to over 70 countries — including the U.S.
Conclusion
Understanding your ABA number is key to making smooth, secure transfers within the U.S. or through global services like Remit Choice. With our platform, you can send money confidently to 70+ countries knowing your funds are routed correctly every time.
Visit RemitChoice.com today and experience borderless money transfer made simple.
