Can a routing number be used for international transfer?

Written by Editorial Team | Last Updated: August 2026

Yes, a U.S. bank routing number can certainly start with the digit 2. Routing numbers consist of nine digits, and the first two digits signify the Federal Reserve routing symbol. Specifically, the range 21–32 is assigned to thrift institutions, which include credit unions and various savings banks. For example, routing numbers beginning with 21 are associated with the Federal Reserve Bank of Boston for thrift institutions, while those beginning with 22 are linked to the Federal Reserve Bank of New York for similar organizations. Because these ranges are officially assigned and widely used within the banking system for identification and clearing purposes, encountering a routing number that begins with a 2 is common and indicates that the institution is categorized within the thrift or credit union sector.

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