Most citizens are used to buying goods or paying for services without leaving their homes. After all, it is extremely convenient, besides, on the Internet trading platform you can find many goods at a low cost. When making online transactions, the buyer does not see the seller personally and does not know any information about him. For this reason, there is a risk and fraud in this area is not uncommon.
Often there is a need to find out the owner of the card due to unreceived purchases. That is, the goods were paid for, but never reached the addressee. A significant part of the population chooses Sberbank banking products and there are many reasons for this. It is a large banking organization in Russia. Card-to-card transactions are carried out instantly, which attracts new customers. And remove cash from a plastic account, you can at any terminal of Sberbank, there are a large number of them anywhere in the Russian Federation.
The Sberbank card itself stores a lot of useful information about its owner. However, a banking institution cannot independently issue information about its holder without a corresponding resolution. If an employee of Sberbank informs an outside citizen information about a client, he is subject to administrative punishment. For this reason, it becomes unclear how to find a person using the Sberbank card number.
Obtaining information about the cardholder at the bank
A significant part of the population is mistaken that it is possible to find out the owner of the plastic at a bank branch. Then how to find out the owner of the Sberbank card by its number. As mentioned earlier, the employee has no right to give anyone the customer data of the banking product. This is not due to the personal reluctance of the bank, but there is a law that regulates the legal relationship between the banking structure and the citizen. The federal law on banking there is article 26, which deals with banking secrecy.
Thus, any accredited financial institution has no legal right to disclose information about its clients. In addition, it has no legal basis to transfer information about the movement of funds in a savings account to third parties.
Important. There is an exception, information is provided by Sberbank at the request of officials.
From this we can conclude that the banking structure is obliged to keep secret about the owners of savings accounts, not to disclose personal information to unfamiliar citizens, in particular, this concerns the first name, last name and patronymic. It turns out that it is impossible to find out the owner by the Sberbank card number. But what should the deceived party do, and what information can be found out on their own.
Why do you need to find out information about the owner of the Sberbank bank card
There are several reasons why it is necessary to identify the owner of the plastic. Such information may be needed to establish an identity in case of an incorrectly made transfer of funds. Very often the person himself is to blame, since when making a transaction through the terminal or mobile app a special window appears, in it the full name and patronymic are indicated, and the surname is reduced to one letter. If the person does not know the recipient, then it is better not to complete the procedure. If the initials are incorrect, it is advisable to re-enter the number of the Sberbank plastic product.
In addition, it is necessary to find out the owner of the card when it is lost. That is, a citizen has found plastic and wants to return it to its owner. You can read the data on the front side of the banking product. But if you find someone else's card, it is better to transfer it to the bank, and he will contact the owner of the credit card. You do not need to look for the holder of the Sberbank plastic product yourself.
How to find out the owner by the Sberbank card number
As already mentioned, the bank does not provide any information to third parties. In fact, all personal data is contained in the number, which can be viewed on the front side of the plastic.
The first digit of the number indicates that the banking product belongs to the international payment system. So, for example, Visa starts with the number 4, and the Mastercard starts with 5. But American Express starts with the number 3. The following numbers on the plastic mean the bank, that is, they identify the division that issued the product to the owner. The bin is encrypted from the second to the sixth digit. The seventh and eighth digits indicate the belonging to the selected banking product. It is understood in what currency the savings account is opened, and it also refers to the credit or debit product of the bank. The information itself about the owner of the Sberbank card is encrypted from the ninth to the fifteenth. But this information is available only to employees of a banking organization, it is simply impossible to find out the initials by them. The last digit on the plastic indicates the period of its validity, with a certain mathematical calculation, the expiration date of a bank credit card is 16 digits on it.
It turns out that the answer to the question is by number plastic card Sberbank, it is simply not possible to find out the owner of the card. But a citizen can, with the help of certain numbers, find out when it was issued and in which department.
How to find a person by Sberbank card number
If you know the bank card number, you can try to find out the name and patronymic of the citizen. For this, you can use the remote method. To find out some information about the owner, you need to make a transaction to his account.
There are two options for transferring, the first is through Sberbank online. On the official website, you can send funds. After entering the number of a known card, the bank will issue a name and patronymic, as well as the first letter of the last name to whom the transfer is made. In the same way, you can find out the data if you make a transaction through the number 900. In the message, the bank will send certain data to the cardholder.
There is only one legal way how to find a person by the number of a Sberbank plastic card.
Important. If funds were debited from the account in an illegal way, law enforcement officers will help to identify the person. In this case, you need to take a detailed statement of your account and write a statement to the local police.
On the basis of the initiation of a criminal case, they have the right to demand from the banking organization to provide confidential information about the client. After the identification of the person, the search actions begin. In this case, there is a chance to get your money back.
Of course, you can resort to an illegal method of obtaining information on a plastic card. There are sites on the global web that promise to provide information about the client for a certain fee. Often, these Internet resources are scammers, they write off funds, but they do not provide information. Also, databases on the owners of banking products are sold on the black market. However, this is illegal extraction of data about the owner and there is a penalty for this.
What to do in case of incorrect translation
Man is not a computer and has the right to make mistakes. When translating, even one incorrectly written number leads to the fact that the money goes to another account and to an unknown person. You cannot find out who the translation was sent to on your own. But the problem can be solved. To do this, you need to come to the bank branch or call hotline Sberbank. The employee of the bank branch must explain the whole situation, that there was an error in the transaction and there is a desire to return the funds to your account.
The bank employee clarifies the necessary information, looks at what can be found by the Sberbank card number, and then sends a message to the owner of the credit card. In it, the bank notifies the client that funds were mistakenly credited to his account and indicates the amount. The bank also notifies that it is necessary to return these funds to the rightful owner. However, not all citizens are ready to return money. Then there is only one method for returning them, to write a statement to the court. And already in court to try to return their own savings. Sberbank on its own cannot write off them from the client's account, only by a court order.
Security measures
Certainly, banking system monitors safety, but no one can provide a full guarantee of protection. This is due to the fact that technology is improving, and hackers are inventing new ways to cheat on cards.
To protect yourself, it is better to order several cards from Sberbank. For example, use one only to receive monthly pension or salary payments. Another card can only be used for purchases in online stores. And use the third plastic as a savings card and not make any transactions with it. After all, Internet resources store data on all transfers, and if a trading platform is hacked, all information can fall into the hands of malefactors.
Important. When a bank client begins to notice the loss of insignificant amounts, it is necessary to request detailed details on the current account at the bank branch. Then there is an opportunity to find out where the funds are going and take protective measures.
If the card is lost or stolen, immediately contact the bank and block it. This is done by visiting Sberbank or by the contact number of the call center.
It’s just that bank employees will not let you find out who owns the card. For this reason, great care must be taken when working on it. And not to disclose your data to strangers, and also you cannot disclose the numbers that are located on the back of the Sberbank plastic card. To confirm the transaction, send one-time password, it is also strictly forbidden to call him to anyone.
Legally, personal data is closed and no bank will give access to information on personal data - last name, first name, patronymic of the client. However, it will be possible to "bypass" confidentiality "by half" if you are connected to the Internet banking of your credit institution... Let's talk about Sberbank. There is no trick, it is enough to send a transfer (in case of distrust, or preliminary check) for a certain small amount and you can see the loaded full I.O. and the initial letter of the surname, specified by typing + i.e. in the history of transactions (do not confuse with shared history), in the details of information and find the information you are looking for.
Confidential information is the personal data of the citizen, as well as the pin code from the card, which none of the KB employees should request.
How can you find out the owner by the Sberbank card number
You can find out some initial data if you turn to the gaps, but it is almost impossible to find the cardholder's data for a person “off the street”. Bankers try to protect customers as much as possible, so when you find someone else's card, just give it to a bank representative at the reception desk, let the security service find the person by itself ... Although, upon discovering the loss, a reasonable card user will immediately make either temporary or permanent blocking.
- Start card with a Tinkoff microchip
Microchip cards are more functional than ordinary cards with magnetic stripes, + contain more information. Yes, without user identification (when paying, it is entering a password that confirms the action), it is more difficult to find out the owner's identity. And the hint of the surname in the form of the initial letter does not change anything.
By the way, only by initiating a transfer to personal account from your card to another person's card, you will already see the name and patronymic of the owner in the “recipient” column. It is not necessary to make a transfer; in case of doubt, it is possible to simply cancel the operation.
Recently, the number of users of banking products has been increasing significantly. The presence of an account in a banking institution and a replenished card in cash makes it possible to free a person from carrying both large bills and small change with him. You can pay for any purchase and service quickly and conveniently, and you do not need to calculate and check whether the change has been issued correctly. But sometimes there are situations when users have to wonder how to find out the owner by the Sberbank card number.
People used to keep their savings in cash at home, but modern development technology and the banking sector allows you to open accounts in any banks in the world. There they can be stored, accumulated and used in any necessary situation thanks to bank cards... They are assigned an individual number and other elements that are necessary to protect against theft and fraud. Thus, they all have personal and unique numbers that do not match any other card number. They are available in two types: instant and personal.
If you have access to the data of bank servers and computers, you can find out all the information about the owner of a particular card, that is, make personification. But have an ordinary person under no circumstances will it be possible to legally gain access to such data. This is all due to the law, which established that all data available in the bank is confidential and it is forbidden to disclose it.
For security reasons, information about the name of the card holder is available only to bank employees
Why you may need information about the owner
Personal information about the owner of the plastic may be needed in several cases. Sometimes, by mistake, funds can be transferred to a stranger, since the number was entered incorrectly. To make a money transfer via the Internet, you need to enter a multi-digit card number in a special program. With one incorrectly specified number, the funds are transferred to the account of a perfect stranger. In this case, the sender will want to make a refund of the erroneously sent money.
There are also situations when someone loses a card in a public place, and someone else finds it and wants to return it to its rightful owner.
Is it possible to find out the owner's surname using a Sberbank bank card
Unfortunately, it is impossible to find out the full name of the person who is the owner of the instant Sberbank card.
Information is available only about the name and patronymic, and the surname can be indicated in the form of its first letter.
You can find out such data using the Sberbank online system. When sending funds from your own card to another, the recipient's name and patronymic will appear opposite the recipient's column. Moreover, this information is available even before the translation, in the process of entering all the data. If the name and patronymic of a stranger appears, then you can stop the whole process, without making a transfer, and try to re-enter the number.
In the case of a found name card, it will also not be possible to obtain complete information. You can only find out the owner's name and surname. They will be indicated in Latin letters on the front side of the banking product.
How to get information about the owner
People who think that by contacting the bank you can get full information about the owner of someone else's card, they are very mistaken.
Since in Russia there is a separate law, which indicates mandatory compliance bank secrecy, then all employees banking structures disclosure of personal information about their clients is prohibited.
If a Sberbank card is found, it must be taken to the nearest bank branch
Under no request will they be able to find out the name of the owner of the banking product to which the money was accidentally transferred. But in the case when someone else's card is found, it is enough to present it bank employees and they themselves will contact its owner. The police will also be able to obtain personal information about the owner of the banking product, if necessary for the investigation.
What do the numbers on the map mean
What can you tell by numbers? Despite the fact that it is impossible to find out the full name with a card number, you can find out encrypted, but not secret data about the owner:
- Using the first digit, you can determine the type of payment system. For example, the number 4 means that payment system- Visa, and 5 - Mastercard.
- From the first to the sixth digit, you can find out bank identifier(BIN).
- The numbers 7 and 8 determine which program it was issued for.
From 9 to 15 numbers - information that relates directly to the owner, but it is impossible to find out the full name from them. - The 16 digit does not contain any data, it just serves for a control check.
Thus, using a bank card number it is impossible to find out any personal information, but you can find out in which bank and when it was issued.
How to get money back in case of incorrect transfer
If the money is indeed mistakenly transferred to someone else's card, then you do not need to look for an answer how to find a person by the Sberbank card number. In this case, the problem is solved much easier:
- By contacting the Sberbank hotline, explaining the whole situation to them and indicating the transaction number that was indicated at the ATM or Internet banking during the transfer.
- Then the bank employees will contact the recipient with a request to return the money to the sender.
If he refuses to do this, then you can contact the police station with a statement and demand a refund in court.
Additional ways to find out the surname
How to find out the surname having a plastic card number? Though legal ways to find out the name of the owner of the card by its number does not exist, some may do it illegally. If the site that has information about payment card hacked, then it is possible that attackers use information about the cardholder and payment data for their own purposes.
You should not trust Internet services that, for a certain fee, promise to find out information about the card holder by its number.
On the Internet, there are a huge number of sites that offer you to find your full name by bank card number. Most often this service is offered on a paid basis. In some, you will indeed be able to find the information you need, but there are very few such services. Most of them are scams and money siphons.
Also on sale on the black market, you can find databases that collect all data on bank customers. They have detailed information about citizens, which makes it possible to find the owner's full name by card number. But their cost is not small, and besides, it is illegal.
Safety regulations
Despite the fact that the protective functions work perfectly, cases with card hacking are sometimes encountered. Programmers create special programs that protect, and they are hacked by hackers. Bank cards are used for payments from shops to medical institutions.
The most common type of shopping is online shopping. When it is implemented, data about bank cards Oh. In some cases, they may be available to almost everyone. This leads to negative consequences.
For safety, it is recommended to issue not one card, but several for different needs. For example, one will receive only salary payments, the second will be used to make purchases, and the third will be used to store personal savings.
Before paying for a product on the site, you need to study it well and read the reviews of other users. If something arouses suspicion, then it is better to find the same product in another online store.
If something strange is noticed in the operation of the card, for example, the small amounts, then first of all you need to ask the bank to provide an extract with operations on it. So you can find out where and on what the funds were debited.
In the case of theft and loss of a plastic card, you must contact the bank where it was issued. It will be immediately blocked, thanks to which all the money will be saved, and the thief will not be able to use it.
Workers financial institutions they will not just disclose personal information about their clients. Therefore, it is impossible to determine the full name with a card or its number. You can find out the last name and first name of a person or a first name with a patronymic and the first letter of the last name. It is possible to return a bank card to its owner without having his personal data.
In contact with
BEST CREDITS OF THE MONTH
For the questionnaire to work, JavaScript must be enabled in the browser settings
As a rule, all information about himself provided by the client to Sberbank is confidential and undisclosed. For this reason, you cannot just come to the bank to see a manager.
As a rule, all information about himself provided by the client to Sberbank is confidential and undisclosed. For this reason, you cannot just come to the bank to the manager, tell him the card number and get information about the owner's full name. However, this does not mean at all that it is impossible to find out who owns a particular card.
Why would such information be needed?
Of course, there are people who find cards near ATMs, in stores, just on the street and express a desire to return them to their owners. However, the bulk of customers are interested in the data of the cardholder only for the reason that when making a transfer using the card number, make sure that they are sending funds in the right direction.
The surname, name and patronymic of the cardholder will be given to you at the cash desk when making the transfer after you give the number of the card to which you plan to make it, in order for you to make sure that the named data is correct. Similar information about the cardholder can also be obtained when making a money transfer through the Sberbank Online system or through an ATM / terminal of the bank.
For privacy issues in banking strictly: if you ask the employees of the institution to identify a person by the card number, they will refuse you, no matter what arguments you give. Does this mean that it is impossible to find out such information? In some cases, it is possible to find a person by the Sberbank card number, and by legal means.
In what cases it becomes necessary to find out the owner by the card number
There are situations when you need to find out the owner by the Sberbank card number. Often this is due to the finding of a payment and settlement document, fraudulent actions (operations performed by the plastic holder) or erroneous money transfers... In the last two cases, it is better to contact law enforcement... The police will investigate the illegal actions and establish the identity of those who are responsible for them.
Found a wallet with bank cards
If you've found a wallet and are trying to find the owner, bank cards are not the only source of information. Try searching for student IDs, driving licenses, or other identification documents. Rarely does a person carrying bank cards have nothing else in their wallet. If the payment and settlement document is the only thing that you have, you can find out information about its owner, but there is no guarantee that this will work out. Advertise a wallet discovery to increase the chances of finding the owner.
You need to find a scammer
If you are the victim of an intruder, immediately contact the police. You can go to the bank for help only after you write the application. Then, with a copy of this document (the original and all additional papers: checks, printouts of correspondence, if any), go to Sberbank. Both institutions will review the application and try to find scammers, but there is no money back guarantee even if you did everything right. Get ready that the proceedings may take more than one month.
Wrong translation made
If you transferred money to the wrong person by mistake, you do not need to find out his name, surname and other personal data. To solve the problem, call the Sberbank hotline (or contact the branch directly) and explain the situation by providing detailed information about the transaction, all statements. Institutional consultants will send to the right person a message asking for a refund. If the recipient refuses to do this, you can write a statement to the police, claiming the amount sent in court.
How to check a bank card by number
Self-verification of a bank number (provided that it is legal) is simple and performed using the Internet. There are no services that calculate who owns the Sberbank card. Do not trust sites that allegedly provide this information for paid registration... While there are compromised databases on the dark side of the Internet, using them is illegal and punishable by law.
The meaning of the numbers in the card account number
Some of the information encrypted in the unique card account number is not secret, but it does not provide confidential data about the owner's identity either. The numbers contain the following information:
- Payment system. 3 - American Express, 4 - Visa, 5 - Mastercard. This number goes first in the card account number.
- Bank identifier. Makes the next six numbers. It can be used to identify the issuing bank that issued the payment and settlement document.
- The program within which the card was issued. Encrypted in the 7th and 8th digits of the number.
- Owner's personal data. This information is contained in numbers from 9 to 15, but is available only to bank employees.
- The last, sixteenth, number serves to check the authenticity of the plastic.
The most important information at this stage - bank identifier (BIN). It decrypts perfectly legally using open databases on online services. Then, based on which institution the card belongs to, you can search for the owner. It's easier for those who want to return their documents. When the plastic is on hand, decryption is not required, but if you have become a victim of intruders and only have a number bank account, the information will come in handy.
Is it possible to find out by the number of the owner's card
Bank card data is considered confidential and cannot be found out from the point of view of the law. Sberbank employees are prohibited from disclosing this information, regardless of the arguments regarding their disclosure. Only a small part of the information remains available, with the help of which it is difficult to calculate a person. If illegal actions are involved in the case, the police are taken for the investigation, having previously received confirmation that the money was indeed stolen.
Bank Secrecy Law and Other Regulations
The security of bank transfers and the confidentiality of personal information are protected by the relevant legislation. Among them:
- Article 26 of the Federal Law “On Banks and Banking Activities”. Proclaims the storage of banking secrets and non-disclosure of information to third parties, except for cases provided for by federal laws.,
- Article 857 Civil Code RF. Guarantees the confidentiality of information about banking operations... The employees of the institution have the right to disclose personal information only to the clients themselves and their representatives, as well as the bureau credit histories, state bodies and officials, but only in cases stipulated by federal law. In case of breaches of confidentiality, the injured client may claim damages.
All employees of Sberbank (or another similar institution) sign a commitment to preserve commercial and banking secrets. Violations federal laws allowing the violation of this agreement are determined by the appropriate government bodies... It is not enough to simply say that you have become a victim of cybercriminals, and on this basis require information. Write a statement to the police (they must issue a confirmation of acceptance of the document), and even then contact the employees of Sberbank.
How to find the owner of the Sberbank card
There are several ways to help find a person on a Sberbank card as a result of obtaining partial information about him. Check out below legal methods. Illegal methods include familiarizing themselves with compromised databases, but using them is criminalized. The owners of such services may turn out to be scammers who do not own information, but simply take money for nothing.
Find out your full name through Sberbank-Online
A special service of Sberbank was created for withdrawing and transferring money online. You can send the required amount via Internet Bank to any card. In this case, after confirming that the account number was entered correctly, information about its owner is displayed. In this way, you can find out only the name and patronymic of a person, and instead of the full surname, Sberbank indicates only the first letter. Nevertheless, sometimes it is useful (in general, the function was created in order to reduce the risk of erroneous translation).