Frost Bank Routing Number

Why does Frost Bank use only one routing number?

Frost Bank uses a single routing number (114000093) for all branches throughout Texas. This unified system simplifies banking operations for customers and reflects the bank's streamlined infrastructure. Unlike large national banks that acquired multiple regional banks with different routing numbers, Frost Bank has maintained its Texas-focused approach with a centralized routing system. Whether you're in San Antonio, Houston, Dallas, or any of the 190+ locations statewide, you'll always use the same routing number for all transactions.

Can I use Frost Bank's routing number for international wire transfers?

Yes. Frost Bank has SWIFT code FRSTUS44 for international wire transfers. When sending international wires, you'll use both the routing number (114000093) for domestic processing and the SWIFT code (FRSTUS44) to identify Frost Bank in the international banking network. International wires typically reach their destination within 3-5 business days and cost $25 for outgoing transfers plus $12 for incoming international transfers. Contact Frost Bank at 1-800-513-7678 for specific international wire transfer instructions.

What's the difference between ACH and wire routing numbers at Frost Bank?

Frost Bank uses the same routing number (114000093) for both ACH transfers and wire transfers, both domestic and international. This makes the process straightforward - whether you're setting up direct deposit, making an ACH payment, sending a domestic wire, or initiating an international wire, you'll always use 114000093 as the routing number. The only additional information needed for international wires is Frost Bank's SWIFT code: FRSTUS44.

How do I set up a wire transfer with Frost Bank?

You can set up wire transfers in person at any Frost financial center or by calling 1-877-656-4015 if you have an existing Frost Wire PIN. To request wires over the phone, visit any Frost location to complete a Funds Transfer Agreement first. Domestic wires sent before the cutoff time typically arrive the same business day. You'll need the recipient's bank routing number, account number, name, and address. For international wires, you'll also need the recipient bank's SWIFT code and may need additional information depending on the destination country.

What are the wire transfer fees at Frost Bank?

Frost Bank charges $25 for outgoing international wire transfers and $12 for incoming international wire transfers. Domestic wire transfer fees vary by account type, so contact Frost Bank at 1-800-513-7678 or check your specific account's fee schedule for exact domestic wire costs. Keep in mind that wire transfers through online banking may have lower fees than wires processed in branch or over the phone. Additionally, intermediary banks may charge additional fees for international wires, which can reduce the amount the recipient receives.