The bank identification number of the card (hereinafter referred to as the BIN card) consists of the first 6 (convex / written) digits on the front side plastic card... They are used to recognize the bank when performing payment transactions (clearing, authorization, processing). Complete digital set bank card consists of the number of characters from 13 to 19 and is determined by the following nuances:
- 19-digit numbers are used for payment cards opened on the basis of previously issued 16-digit ones and indicate an additional direction of issue.
- 13-digit codes have cards open for certain regions.
The number of each payment card, created using a mathematical algorithm, is a unique and not random digital set.
The meaning of the BIN digits
The individually generated digital code contains the following set of information about: 
- Payment system, which is indicated by the first digit (for example: 4-Visa; 5 - Master Card; 3 - American Express).
- Country and financial institution that issued the card - from the 2nd to the 4th digit.
- The type of card (credit / debit), set by the 5th and 6th digit of the code.
- Card class (Gold, Electronic, Classic).
The information encoded in the rest of the license plates represents information closed by banking institutions. Previously, independently obtain payment card data natural person it was impossible. Today you will find out the possibilities of your card using the special sites BinDB and BinBase. Site pages have an accessible and understandable control: in the specified field, drive in the BIN cards, then security code, press the search button and the information on the map appears on your screen.
Application of the information received
An identification number cards are often used by banking organizations to implement joint activities and mutual settlements. Knowing the digital designation of a payment card for a private user will come in handy when:
- Purchasing goods through the Internet resources.
- Payment for services (car rental, hotel room booking).
- Online reservation / purchase of tickets.
This information shows the capabilities of your card: can you use it abroad, carry out currency operations, is there a credit limit, etc.
There is a difference in the values of “card number” and “card account number”: the card number consists of numbers on the front side of the card and changes when a new one is received, and the account number is the 20-digit unchanged code of your personal account. Payment card information (card number, account number, PIN code) should be available only to the holder. A lost or stolen card should be blocked immediately by calling a bank branch or using a special function on the organization's official website.
To manage your personal financial account using Internet banking, you need to gain access for security. To do this, you need to understand about the user ID, what it is, and what it is for.
The account identifier also has the name ID, the client of Sberbank will need to enter his personal account on the Internet or a special mobile application... If this information is absent, you cannot enter your data. Such a measure and the requirement for a login and password will be required to prevent fraud with someone else's personal account. ID, what is it? This is the first login, consisting of a set of ten digits, to make your first and subsequent login to the client's account. This is not permanent information, since a person can independently change his data in the future, in the future the information can consist of numbers and letter designations.
Sberbank online today is available for every person who has bank cards. The functionality of your personal account does not depend on the type of card product. Before you can find out the Sberbank identifier online through a phone or ATM, you need to evaluate the opportunities received by the client during the use of the application:
- Complete security is provided. The client is allowed to independently control the balance and check transactions occurring for the entire period on the card. Thus, a person prevents extraneous manipulations and prevents fraudsters from interfering.
- Transactions are carried out with their accounts without a preliminary visit to the Sberbank office. Customer can list cash to other cards, pay for utility bills, regular transactions are created, instant loans are taken and repaid.
- Applications are being submitted for obtaining banking products and services via the Internet. A person can leave an application in the bank for borrowed money, deposit, metal account. The permanent password is changed to make it easier for a person to memorize numbers and letters to enter.
- An independent execution is carried out to open the full functionality of an additional service, for example, when entering via the Internet.
- The card product is blocked by itself if there were suspicions of fraud from outside.
How to get an ID through an ATM
The most correct and simple way to provide the first login is by entering data at an ATM. But have this method there is a negative side of the low level of security, since the person is only provided with one-time login information. Once the code has been used, it is canceled. This method is suitable for those who need a one-time transaction without constantly receiving functionality from the banking service. After that, the client will have to make with the help of Sberbank online login through the identifier.
You can view a commercial ID through an ATM in the following way:
- A secret 4-digit code is activated after the card is inserted into the device.
- The connection to the service is selected.
- Among the listed list, a username and password are selected to log in.
- A check is taken, where the necessary information will be indicated.
It is recommended to print a number of one-time codes that will be needed in the future to log in through the Internet bank. Actions follow the same instructions above, but in one of the proposed items a section with passwords is selected. You cannot change the data.
How to find out your ID via the Internet
Before you can get a Sberbank ID online through an ATM, you need to become a client of the bank. The official website is visited where the registration takes place. To gain access to your page, you will not need additional data or documents from a person.
The procedure is carried out according to the following principle:
- information from the card should be entered in certain lines;
- a valid phone number is indicated;
- registration is confirmed with a code received by phone;
- the password is changed, which consists of numbers and letters.
After registration is completed, the login information is saved. To re-enter, a person must go through authorization again by entering the above information. It is not recommended to automatically save the password and login to prevent fraud.
How to find out the identifier Sberbank Online via phone
To obtain the necessary information, the client contacts contact phone bank, which is valid for 24 hours and is free for all operators - 8800555. To do this, a person must have a card and passport data to confirm identity. You can get ID by phone in this way:
- Dial 900 or the above telephone number.
- Information from the machine is being listened to.
- After prompts, a combination is typed.
The applicant is redirected to the Contact Center, where information from the card is reported, as well as information from the passport.
If the person wishes, you can restore the previous information. To do this, enter your personal account, and then select the option in the corresponding tab. You will need a contact center if a person's data has been stolen. In this case, login options will be blocked. If the client immediately calls the number hotline, will inform you of your current code, the information on the entrance will be immediately blocked.
Where is the ID on the Sberbank card
The identification number can be seen behind the card product. If this is an old sample, 13 values will be indicated on the map. There are bank cards with 18 and 19 digits, but they are quite rare. The code is not used on such plastic products, as they are used as additional ones.
- by the number of characters - up to 30.
- you can enter any words in Latin letters, both in capital letters and in small letters.
- 10 digits are not allowed, at least one letter is required.
- symbols can be written. But the system itself shows which punctuation is acceptable to use.
The ATM is not allowed to change or block your account. To get a new one, you will need to enter the official website of Sberbank, where there will be a link with the help of clients. If you click on this help, the person will receive instructions to change their data. At direct appeal the bank can also receive a new registration code.
Using a bank card is convenient, comfortable and quite safe - most of us have long appreciated these indisputable advantages of "plastic". Nevertheless, such a payment instrument still raises many questions among its users. For example, what is a card identification number that is often requested by various electronic payment systems? Often, these symbols are needed when making transfers from one card to another, when paying for online purchases through online stores. What does this combination of numbers actually mean, what is it for and on what principle is it formed? How safe is it to indicate such data on the Internet, how to protect the indicated information from fraudulent activities?
What does card identification number mean?
Any "plastic" has its own personal number: it can be either simply printed or displaced (embossed). The digital set of cards is individual and unique, it is assigned when such a plastic tool is issued to the client. The numerical values, of course, are not random, they have certain meanings.
The number, which is called an identification number, is located on the face of a bank card, most often it consists of 16 numbers, divided into four groups of four characters. Old-style cards of 13 values are currently not used (1 group of 4 digits plus 3 groups of 3 symbols). Cards with 18 and 19 digits are also rare, but they have a place to be - usually as an additional "plastic" to previously issued payment instruments.
International standard ISO / IEC 7812-1 regulates the assignment of numbers of plastic bank cards and defines their structure as follows:
BBBBBBNNNNNNNNNNNNL.
What do these symbols mean? The first 6 values (BBBBBB) are the identification number (BIN) of the bank that issued the card. In this case, the first symbol denotes the card's belonging to one or another payment system. So, for VISA it is the number 4, for MasterCard -5, for American Express - 3. The next 3 values store the bank number, they are formed payment system... The fifth and sixth digits of the BIN are an additional product identifier, assigned according to the category of the banking product, this value also allows you to determine the bank that issued the card by a number of additional characteristics. Thus, BIN provides complete and absolutely comprehensive information about the issuing bank.
The principles of encoding the first 6 characters of the map (BIN) certainly exist, but they are carefully guarded from unauthorized persons financial institutions and payment systems. The direct purpose of the BIN is precisely the identification of a particular bank within the card system around the world. This number is often required for internal and external transfers and other transactions, along with other details of the organization.
The values that we have defined as NNNNNNNNNNNN usually consist of 7, 10 or 13 digits, indicating the number of the plastic card itself. 7 and 8 digits from this set determine the program according to which the card was issued by this or that financial institution. These symbols are assigned in accordance with the issuing bank's issue algorithm, not in order. The numbering here is not end-to-end, the possible coincidence of two different cards is almost unrealistic.
Some experts believe that the card number contains encrypted information about the card's currency, branch number, reader (chip, magnetic tape, pay pass contactless payment technology). Again, one cannot speak with confidence about this, because many banks, for example, issue cards with the ability to open several accounts in different currencies.
And finally, L, the last digit in the card number, is a check number calculated by a special algorithm, which confirms the correctness of all other characters.
Payments by card number and their security
To begin with, let's say that the card number and the account number are completely different things. The 20-digit account number is never indicated on a plastic card. So, the account number always remains the same when plastic is reissued. However, if the card is reissued due to loss or theft, then the number of the card itself will be different. Changing the number, however, is not provided for a planned re-release at the end of the plastic's validity period. In other words, the card number is the identifier of the plastic carrier electronic means... If the number of the plastic card is damaged, it is enough to contact the bank branch. In this case, the release of "plastic" with the same number is possible.
So, often these characters are required to be entered during transfers, for example, from card to card. In this case, it is usually required to indicate such additional data as the validity period of the card (two pairs of numbers, which are indicated under the card number on the front side), the owner's FI. When paying for online purchases via the Internet, it is often required to provide CVC2 or CVV2 codes, which are inherent in payment cards MasterCard systems, VISA, Maestro. This number is located on the back of the plastic above or below the magnetic line and is a three-digit set of numbers. It happens that the numbers are indicated by 7, in this case, for payment, you must specify the last 3 values, since the first 4 digits are a duplicate of the last characters of the card number itself.
It turns out that anyone who has your card in their hands can make a payment or transfer via the Internet, even if this person does not know the PIN code? But there are still various fraudulent schemes on the Internet. How to protect yourself from unauthorized expenses for bank card? We list several effective ways:
- Connect the SMS notification service about completed card transactions. In this case, you will be aware of the operations carried out on your card and will be able to block it in time.
- When paying for goods and services on the Internet, use only trusted resources. Make sure that the translation channel is secure (a "lock" sign is displayed in front of the email address line).
- Give preference to plastic with the so-called 3D Secure system. " This service makes it impossible to pay and transfer from the card account without entering one-time passwords which are sent to the client's mobile phone in the form of SMS. Such codes are generated automatically and are valid for only a few minutes.
We are increasingly using bank cards for online payments and transfers. Such operations require significantly more independent actions than simple cash withdrawals and card payments. You need to know not only the PIN-code, but also the card number, month and year of its completion, CVV / CVC codes. We provide the card number so that a transfer can be made to it, and we ourselves find out the numbers of other people's cards for transfers to them.
But! Bank card number and card account number are not the same!
What is the card account number?
The bank card account number is the data of the bank account to which the card is linked, this is a personal account. Additional cards with numbers different from the main one can be issued to such an account.
If a plastic or virtual card stops working on time or is lost, then it is issued instead new card with a different number. And the personal account number is saved.
The card number is known to many, and the card's personal account number is a bank secret.
What is the bank card account number for?
In order to transfer funds to the account. Examples of this:
- enrollment wages and other similar payments;
- transfers of funds to the card from those places where they do not perform operations with cards: at the cash desks of other banks, in post offices.
Money is first credited to a personal account, and then these funds become available for withdrawal from the card.
How to find out the bank card account number?
The personal account number of the bank card can be read in the card service agreement.
The card account number can be found in the bank that issued it. To do this, you will have to present a passport or other identity card to the bank's employees.
The personal account number can be seen in personal account Internet bank or Mobile Bank if such a service is activated.
With regard to the number of the personal account of the bank card, three useful tips can be given:
- Do not disclose your card personal account number to outsiders.
- Do not lose, do not throw away, do not transfer bank documents to the card to anyone.
- If you suspect that someone has gained access to the account, you must immediately notify the card issuing bank about this.
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In any bank, when filling out the payment data, you must indicate the beneficiary's account number - the bank identification code (BIC). However, not everyone knows and understands what it is and what it is for. Let's take a closer look.
What is a bank identification number? This is a unique code for a specific credit institution, established by the Central Bank of Russia, assigned to the relevant region and serving to determine the participants in the settlements. Mandatory to indicate when filling out all financial settlement documents. Required when conducting transactions. Without specifying this code, you can make erroneous payment transactions. Having registered the wrong identification code, you can send money to a completely different recipient.
Code structure
Assigning an identification code to a specific credit institution is the direct prerogative of the Central Bank. Only he has the right to assign a BIK and subsequent control over all operations of this organization. It was the Central Bank that developed the regulation on the structure of the identification code and the procedure for servicing this classifier.
The structure of the code is a specific sequence, which indicates:
- The country to which the banking institution belongs.
- The region in which the branch is located.
- Bank branch.
The first two digits of the code indicate the country (04 refers to Russian Federation), the next two digits indicate belonging to a specific region, the next 2 digits are the conditional number of the bank's settlement network, and the last 7-9 digits indicate the conditional number of the banking institution in which the client's correspondent account is opened (the last three digits of the BIC and C / S must match).
To make it clearer, consider the structure of the code in simple example... Take, for example, the identification bank code of the Omsk branch of Sberbank 045209673, where:
- 04 means that this is a Russian banking institution;
- 52 indicates the Omsk region;
- 09 - the number of the department itself;
- 673 - the individual number of the bank (in this case, Sberbank), a prerequisite is complete coincidence with the client's correspondent account.
How to find out the bank's BIK
All identifiers of banking institutions are systematized and publicly available. To find out the code, just use one of the following methods:
- Go to the official website of the Central Bank or visit the website of the banking organization itself. To get accurate information, you need to know at least two things - the name of the bank and its location.
- An accountant can find this code in a directory through the 1C program, as well as from payment and settlement documents, which are the basis for settlements between organizations. This is an invoice form for payment of services or goods, at the top of which all Bank details recipient.
- Through the system of the organization whose services need to be paid. In the sections, find the "Directories" tab, where the BIC will be the first. In the highlighted form, in the "Name" field, you must enter the name of the credit institution, after which the system will select and issue the required details by itself.
- Also, to find out the BIC, it is enough to call and request it from any manager of a credit institution.
- Visit a bank branch in person.
- Make a request via email of the organization.
- You can also find the required requisite in the regulatory frameworks, such as "Guarantor" and "Consultant".
Some customers confuse the identification code of the card (debit, credit) with the BIC, but they are not the same thing. There is indeed a three-digit code on the reverse side of the card, but it nominal and does not belong to the bank, but to a specific person for whom the "plastic" is issued, and whose personal data are in the settlement system.