Deciphering the bik in the details. What is BIC and how does it stand for? How to find out the BIC at a bank branch

Those who constantly face banking sector, I’m used to the fact that there are always many different encodings there.

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General concepts

Definition of BIC

BIC – bank identification code – required details bank, consisting of nine digits. The code determines the territorial affiliation of the bank division that carries out non-cash payments and customer service and is unique.

When a BIC is removed from the directory, its reuse is possible only after a year (calendar) has passed from the date of exclusion.

Classifier structure

All nine digits of the BIC classifier can be divided into blocks of numbers that carry encrypted information.

The first two digits are the country code (Russian Federation code – 04). BIC of Russian banks starts with 04 .
The next two are the territory code of the Russian Federation according to OKATO. Since January 1, 2014, OKATO has been replaced by OKTMO. These codes can be found in the Table of correspondence between OKATO codes and OKTMO codes. If 3 and 4 digits – 00 – territory outside the Russian Federation. The code was created to ensure comparability and reliability, to improve automated processing information for territorial division in economic, statistical and other areas of application.
The fifth and sixth digits are the department number (conditional) settlement network, a territorial division of the Central Bank of the Russian Federation. The conditional number looks like 00-99. The code is unique for the territorial or structural unit of the Bank of Russia institution.
The last three digits are the bank number (conditional) in the Central Bank settlement network and coincide with the last digits of the correspondent account (subaccount), opened by the bank in this system. The number is assigned in values from 050 to 999. The value 000 is assigned cash settlement center Bank of the Russian Federation, divisions with the functions of a cash settlement center. The main cash settlement center or divisions within the Bank of the Russian Federation are assigned the number 001. The value 002 is assigned to other structural divisions or the settlement network of the Bank of the Russian Federation.

The structure of the BIC allows you to find out:

territorial location of a particular bank or its branch;
division of the Bank of the Russian Federation that registered and services;
approximate date of registration credit institution or opening a branch, since the number is assigned in order (as you register).

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Bank code in economic activity of subjects

BIC is used in payment documents and letters of credit.

Enterprises and organizations

When running a business or organization economic activity payment documents are used. To fill them out, identification of this legal entity is required.

For this purpose the following details are used:

Full name of the subject.
Bank details - bank name, BIC (according to the Central Bank directory), microfinance organization, correspondent account (for identification in the Central Bank settlement system), current account or other type of account (legal entity accounts start with 40702).
Taxpayer identification code – TIN (ten-digit).
Taxpayer status is a two-digit code from 01 to 26 (26 is the total number of taxpayer status codes).
KPP – reason code for registration (contains 9 digits). This code is located on the registration certificate issued by tax authority During registration. Checkpoint structure;
OKATO is a classifier of administrative-territorial divisions of objects. Assigned municipality(district, city, etc.) on the territory of the Russian Federation. Since January 1, 2019, it has been replaced by OKTMO - a classifier of territories of municipalities.

When filling out payment documents, the type of OKUD document (order, demand, order, collection order) and payment details. including the BIC of the recipient's bank.

The checkpoint BIC is indicated when registering separate divisions, real estate, motor transport.

IP

When opening a bank account, an individual entrepreneur draws up an agreement, which specifies the bank’s BIC and other details. According to the law, an individual entrepreneur can work without opening a current account. Then there is no need for bank details.

An account is opened if an entrepreneur plans to transfer or accept non-cash payments.

Bank details individual entrepreneur are:

Name of the bank;
account number (individual entrepreneur account begins with the numbers 40802);
correspondent account – a sub-account or correspondent account of a bank for identification with the Central Bank;
Bank BIC – code of the bank branch where the account is opened.

If the payment of taxes and fees is carried out by an individual - a bank client - based on the calculation tax return, then in the corresponding field of the payment document - the document number - 0 is entered. The separation of the values of the two-digit type of information identifier and information identifier about an individual is carried out through «;» .

From 03/31/2014 to payment document for the transfer of payment funds to the budget for municipal and public utilities The identifier of information about the individual must be indicated.

How to find out the BIC of a bank?

A situation when there is an urgent need to find out this detail can arise in any business activity. In this case, experienced accountants know where to get the BIC.

Online

You can view the BIC code of the bank division you are interested in by going to the website of the Central Bank of the Russian Federation.

On home page The “BIK Directory” is posted in the “Interregional Informatization Center” section. Also on the site there is a “BIC and SWIFT BIC Compliance Directory”.

Each program: client-bank of Sberbank of Russia, other banks, 1C contains a BIC directory in its inherent computer format.

On a payment card

Often an individual has to make transfers using a payment card, then the question arises: “Where is the BIC on the card?”

The BIC is assigned not to the payment card, but to the branch of the bank that issued the card. For all cards of the same issuer, the bank's BIC remains unchanged. Together with payment card at the bank branch they issue an envelope, which, in addition to the PIN code, contains the bank details, including the BIC.

The code is not determined by the card number.

In the savings book

Usually on the title page there are details of the bank that issued the passbook. If there is no such data, then you can call the bank branch or go in person and find out the BIC.

Is it possible to find the code by account number?

When opening an account at a bank branch, a service agreement is concluded. This document contains the bank's MFO and everything necessary details, including BIC.

It is impossible to find out the bank code by the account number!

It contains only indirect information about the bank in which it is opened.

Bank identification code in electronic wallets

BIC is one of the most important details that belongs to credit institutions. For any bank, this detail is mandatory for the reason that it allows you to identify the participant in the settlements. More details about what BIC is and how it is worked can be found below.

BIC decoding

BIC stands for Bank Identification Code. Both banks and their branches have such an individual code. BIC is usually prescribed in the following cases:

On various payment documents. However, when transferring money, it is often enough for a client to know only the basic data of the bank client (for example, card number) without a BIC.
In cases where the money transfer occurs directly through the details.

When a person checks the BIC of the bank of interest, he also needs to find out the address of the required credit institution. Otherwise, the money may not reach the desired recipient.

What is the BIC in the details?

BIC is a numeric code that usually consists of 9 characters. The code classifier is based in the Central Bank: it is there that the entire database of currently registered banks and their branches is stored, along with individual codes. The peculiarity of the BIC is that each symbol has its own meaning, and it is important to be able to decipher it correctly.

First of all, it is important to remember that the code is read from left to right. Next, let's look at the decryption in more detail:

First and second number read together. They represent the country code in which the bank is registered. In our case, this is Russia, which has the numerical designation 04.
Third and fourth numbers also read together. They characterize the bank branch in more detail, indicating the territory where the bank is based. In other words, this is the territory code in accordance with the current OKATO (see also). For example, for the Altai Territory the numerical designation is 22.
Fifth and sixth numbers , read together, call the conditional number of a specific division of the Bank of Russia. There are many such divisions, and the corresponding numerical value can vary from 00 to 99.
Three final values - from seventh to ninth - emphasize the number of the organization that operates in the division of the Central Bank settlement network, where the direct correspondent account operates. Values here can range from 050 to 999.

The validity period of the BIC has not been established. However, a code can be re-assigned to one or another organization only after a calendar year has passed since the previous owner was excluded from the BIC directory. In other cases, different credit institutions cannot use the same identification codes.

What is the BIC of the recipient bank?

BIC of the receiving bank is a concept that is often encountered by people involved in money transfers. In this case, as a rule, the sender has a number of details necessary to indicate, including a bank individual code. It is important to note that the code of the bank in which the addressee opened an account or received a card must be indicated, to which the funds should ultimately be received. Where can I get the BIC of the recipient bank?

The BIC of the receiving bank is indicated in the documents issued along with by bank card or bank account. First of all, you should contact them.
If previously produced monetary transactions in the bank of interest, then from the surviving payment documents you can find out the exact BIC of the bank branch.
Call to the call center required bank, where it will be possible, having specified the address of the branch, to find out its BIC;
Through your personal bank account. Today, many banks provide the opportunity to create personal account on its official website. By logging in, you can find out the BIC of the bank where your card or account was registered. It is also possible to contact geographical map, on which bank branches are highlighted: by selecting the branch you are interested in, you will also find out its basic details.
If necessary department credit organization located near you, you can personally come there and find out its exact BIC.
Finally, you can open the official website of the bank of interest, where in the branches and ATMs tab you can find the BIC of the branch of interest.

BIC is not an independent word, but a term formed from the initial letters of a phrase. The abbreviation stands for Bank Identification Code. This is a conditional digital abbreviation related to the details of a financial institution. When defining what a bank's BIC is, you need to emphasize the key words. BIC is unique, mandatory data when drawing up a document that helps identify a financial enterprise.

The bank identification code contains certain information. How many digits are in the BIC, this code contains so much data. The authority to assign a unique number belongs to the Central Bank of Russia, which enters identification data into the directory. Russian credit enterprises are assigned an individual code consisting of 9 digits.

The meaning of the BIC numbers

To facilitate recognition of the recipient's bank, a BIC is used. Funds are sent to specific financial institutions hidden in the personal code numbers.

Each bank has its own details

Conventionally, the nine-digit numeric code can be divided into 4 groups:

The first pair of numbers contains information about the country of registration of the bank. Russian codes banking institutions – 04.
The second pair of digits corresponds to the region code contained in the All-Russian Classifier of Administrative-Territorial Divisions (OKATO). Zeros indicate the location of the financial institution outside the Russian Federation.
The third pair of characters indicates that the institution belongs to divisions of the settlement network Central Bank RF.
The remaining three numbers are the number financial organization(or its branches) in the Bank of Russia, where the correspondent account was opened.

Why do you need a Bank Identification Code?

What is a BIC number? It is a numerical value that serves as a kind of passport number for a credit institution, distinguishing it from another. Using your bank identification code you can:

establish the location of the bank branch;
determine the age of a financial institution by calculating the time since its formation;
send remittance to the recipient's account;
receive funds sent to a bank account.

Errors in BIC numbers

By doing financial transactions It is possible that the BIC code was written incorrectly. The reasons may include computer failures and incorrect filling out of payment documents by the sender. Bank customers should carefully check the numeric data of the code and check it with the name of the selected financial institution.

The specified numbers of a non-existent identification code will lead to the impossibility of sending the payment. In such cases, bank employees will try to contact the sender and clarify the details of payment documents. If funds were sent to an incorrect address, a refund will occur after 3 banking days. If the client independently discovers incorrect details, he should immediately contact the banking institution.

When paying bills, you should check your details

Payment sent using incorrect details

The erroneous code in the payment document may belong to a financial institution. In this case, the money will be sent to the specified address. The sending bank will not be able to cancel a correctly completed transaction, which means the client will need to independently contact the financial institution to whose account the payment was received. You will need to send an official letter to the recipient requesting a refund of the funds transferred in error. It is necessary to indicate the details of the account to which the refund is to be made.

Where to find out BIC

When a bank identification code of a financial institution is required to fill out documents, you should refer to the directory of the Central Bank of the Russian Federation, where it is not difficult to obtain the bank’s BIC.

How to find information

You can find out the personal code of a credit institution using the Internet in a few steps:

Find the address of the official website of the Central Bank of the Russian Federation. Open web page.
You can type “BIK” in the search bar or open the directory through the menu.
In the menu, select the section containing information from the Interregional Information Processing Center and open the BIC directory.
The registry of identification codes is offered as a “Software package distribution”.

The difficulty of such a search lies in the inconvenient location financial institutions. Banks are filtered not by name, but by number Bank code. Therefore, searching for an organization of interest will take some time.

With the help of a special digital combination, everything is carried out Bank operations. Clients send and receive Money, and financial organizations carry out timely and correct payments among themselves using identification codes.

A BIC, or bank identification code, is assigned to each regional office bank and main representative office. Thus, the classification of all credit institutions is carried out, of which there are more than 600 in the general register. The BIC is necessary in order to give uniqueness to the details and facilitate the process of interbank transfers.

In everyday use, the client does not need the bank’s BIC and it is not necessary to remember it. It will only be required to transfer a transfer to your account from a client of another bank or from an organization.

What is a bank's BIC?

Sberbank, as a participant in the Russian credit market with a huge network of branches, receives a unique code for each regional representative office.

BIC is one of the main details that you will need to transfer funds to an account from another bank. The nine-digit number is unique for each department.

How to find out the BIC of a bank?

You cannot find out the Sberbank BIC by your account number, just like by your card number. Because these numbers serve to identify the client, not the financial institution. The classification of accounts is carried out by the bank itself within its structural system - they do not depend in any way on the code of the credit institution.

But you can find out the BIC of Sberbank by branch number without any problems. To do this, just go to the bank’s official website and click on the “Branches and ATMs” link.

You can select the address of the office where you received the card or enter the branch number (Sberbank writes the office number in the lower left corner of the card).

Sberbank branch number on a plastic card:

Do not try to look for where the BIC is located on the Sberbank map - you will not find such information.

Find BIC in Sberbank Online

There is another way to find Sberbank BIC cards - this is. All information on accounts and cards, including details, is available to registered users of the system.

Go to the “Cards” menu, click the “Card Information” tab, “Transfer Details” link:

A map of details will appear in a pop-up window, including: mandatory BIC is prescribed.