How to find out the bank by card number

The unique card number received by the client at the bank consists of a 13 or 19-digit number. Each of the digits of the number carries encoded information about the type of card, bank. You can find out whose card by number. When transferring funds through a bank branch, self-service terminal or non-cash through an online bank, the number will allow you to find out the name of the owner, guaranteeing the accuracy of receiving funds.

There are situations when you need to know additional information, which bank issued the card, check the correctness of the recipient of the money transfer. When making a payment transfer, knowing the issuing bank will allow you to find out when the payment will arrive to the addressee, whether a commission will be charged for this operation.

The digital combination assigned at the time of issue by the issuing bank is a specific code, the main information of which is contained in the first 6 digits included in the bank identification number (or abbreviated - BIN).

The Bank Identification Number (BIN) allows you to determine the following information:

1. card type (debit or credit);
2. payment system;
3. belonging to a certain region;
4. issuing bank.

Belonging to the issuing bank can be found out in the following ways:

1. To find out this information, just use one of the many online services and enter a six-digit BIN in the search box.
2. Some online payment resources allow you to see information about the recipient's bank when making a transfer.

If the numerical combination matches your BIN, there is no doubt that the card belongs to the same bank. For example, all owners of banking products with combinations starting with 4276 are Sberbank clients.

What information does a BIN contain?

There are practically no random numbers in this numerical combination. The very first digit determines the payment system to which the card is linked. The most common numbers are:

• 3 - American Express payment system;
• 4 - VISA payment system;
• 5 - MasterCard payment system.

The subsequent BIN digits contain data on the issuing bank and the status of the card ( Gold, Platinum, Classic).

Knowing how to determine the bank by the card number, you can take into account information about the time of receipt of the payment, plan your possible expenses for the commission if you intend to make a transfer between multiples of different banks.

To check a bank card by number, you can use any existing online service and enter the BIN number. Wherein information of the following type is given:

This information informs that BIN 4276 33 refers to the VISA payment system, is issued by Sberbank on the territory of the Russian Federation and is debit. The database allows you to see official information about the bank, its website and contact phone number.

The most common BINs

Russian Standard BIN - 5420

Privacy and security protection

Using a bank card, you can make various financial transactions in online systems, pay for goods and services, quickly and conveniently transfer funds to any person. The number of the banking product when making payments will allow you to clarify the name of the owner to whom the funds are sent and check the correctness of the details.

Despite the fact that information about the BIN is easy to find on the Internet, access to a particular card is reliably protected by the bank's security system, and one BIN will not be enough to commit fraudulent actions.

Additional measures are being introduced to protect access to card management by payment systems. Additional fields are entered on the cards, which contain data on the validity period of the banking product, year and month of issue, last name and first name of the owner, additional numeric codes.

It is a mistake to assume that only the PIN code protects the card from unauthorized access. Cashless online payments can be made by entering data on the expiration date of the card, the name of the owner, as well as the CVV number on the back. The CVV number, or card verification value, is a 3-digit number that allows you to increase the security of your transactions.

In order to avoid the sad consequences and depletion of the card by fraudsters, banks strongly recommend not to show your card to strangers, but to make all payments through the terminal yourself.

Knowing one number is enough to find out which bank the card belongs to, the region of issue, the type and payment system used. However, this data will not be enough for outsiders to make payments. With additional information printed on the front and back, it is much easier for fraudsters to use other people's funds, and the risk of theft increases many times over.