Hocus-Focus/Getty Images/iStockphoto
Commitment to our readers
The GOBankingRates editorial team is committed to providing you with unbiased reviews and information. We use data-driven methods to evaluate financial products and services – our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our review methodology for products and services.
20 years
Helping you become richer
trusted by
millions of readers
The HSBC routing number you use most frequently is: 022000020
This is the bank’s primary ACH routing number used for everyday transactions like direct deposits, bill payments, and transfers between accounts.
HSBC confirms this as its standard routing number for electronic payments. But here’s the key detail: HSBC uses multiple routing numbers depending on the type and location of the transaction.
HSBC Routing Numbers: At a Glance
transaction type routing number ACH/Direct Deposit 022000020 domestic wire transfer 021001088 Fedwire (General) 021001088 Fedwire (California) 122240861 Wire transfer routing numbers differ from ACH numbers, so it’s important to use the correct number to avoid delays.
What is HSBC routing number?
The routing number is a 9-digit code that identifies your bank during financial transactions. It is used for:
Routing numbers are part of the US banking system and help ensure that money is sent to the correct institution.
Why does HSBC have multiple routing numbers?
Unlike some banks, HSBC uses different routing numbers depending on:
- Transaction Type (ACH vs Wire)
- Location of your account
- internal processing system
For example:
- ACH Routing Number = 022000020
- Wire Routing Number = 021001088
This system helps to route payments correctly across different networks.
How to Find Your HSBC Routing Number
You can find out your routing number in several ways:
1. Check your bank account online
Log in to your HSBC account and view account details.
2. Look at a check
Your routing number is the first 9 digits at the bottom left.
3. Check your bank details
Routing numbers are often listed with your account details.
4. Use the official website of HSBC
HSBC provides routing numbers for various transaction types.
ACH vs Wire Routing Number
| Speciality | ACH routing number | wire routing number |
|---|---|---|
| used for | direct deposit, bill | bank-to-bank transfers |
| pace | 1 to 3 days | Same day (often) |
| hsbc example | 022000020 | 021001088 |
Using the wrong routing number can cause:
- delay
- failed transaction
- payment returned
real world example
Let’s say you want:
- Set up direct deposit = use 022000020
- Send wire transfer = use 021001088
Using the wrong number may delay your payment.
Common Mistakes to Avoid
1. Using the wrong routing number
ACH and wire transfers use different numbers.
2. Assuming one number works for everything
HSBC uses multiple routing numbers. Always verify.
3. Don’t double-check before sending money
Errors may result in transaction delays or failed transactions.
Benefits vs Tradeoffs
| Social class | Must use correct type | by agreements |
|---|---|---|
| accuracy | ensures correct transfers | the correct type should be used |
| Flexibility | Supports multiple transaction types | can be confusing |
| pace | enables electronic payments | errors cause delays |
Quick Decision Guide
Setting up direct deposit? Use 022000020
Sending domestic telegrams? Use 021001088
Receiving an international telegram? Use SWIFT Code (not routing number)
Not sure which number to use? Check your HSBC account or confirm with the bank
final take to go
The HSBC routing number depends on how you are using your account.
Most common number: 022000020 (ACH)wire transfers: 021001088
key findings:
- Always match the routing number to the transaction type
- Double check before sending money
Smart move: Save the correct routing numbers for your most common transactions to avoid delays.
HSBC Routing Number FAQs
- What is the routing number for HSBC?
- The most common HSBC routing number is 022000020, which is used for ACH transfers and direct deposits.
- Is HSBC routing number same for all states?
- No, HSBC may use different routing numbers depending on the transaction type or location.
- Which routing number do I use for wire transfers?
- For most domestic wire transfers, HSBC uses the routing number 021001088.
- Where can I get my HSBC routing number?
- You can find it on your cheque, bank statement or by logging into your HSBC account.
- Do I need a routing number for international transfers?
- No, international transfers usually require a SWIFT code instead of a routing number.
- What happens if I use the wrong routing number?
- Your transaction may be delayed, declined or returned.
More about HSBC
Data is accurate as of March 25, 2026 and is subject to change.
Editorial note: This content is not provided by any of the entities involved in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are solely those of the author and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
Our in-house research team and on-site financial experts work together to create accurate, unbiased and up-to-date content. We fact-check every statistic, quote and fact using reliable primary resources to ensure that the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our Editorial Policy.