How to find out the owner by the number of the savings card. The easiest way to find a person by Sberbank plastic card number

Today, our readers are interested in how to find out which bank a credit or debit card belongs to, can it be done by number? There are several ways to do this, but none of them guarantees that you will receive the information you need, since such data is not made publicly available.

Number bank card, as a rule, consists of 16 digits, which are divided into 4 blocks of 4 pieces each (**** **** **** ****). However, there are options with 17, 18 digits (maestro, momentum, etc.)

All numbers on the front side have specific meanings.. The first six are the identification number of the bank that issued the card product. It is assigned by the payment system to a specific type of card of a particular bank.

You can find out by bank identification number payment system and card type. The first digit is an indicator of belonging to one of them:

• 3 – American Express, JCB International or
• 6 – China UnionPay or
• 7 - UEC.

The first digit of the plastic number can also indicate belonging to any industry:

• 1 or 2 - aviation industry
• 3 - entertainment and tourism
• 6 - trade or finance
• 7 - fuel industry
• 8 - telecommunications
• 9 - public sector.

7-15 signs represent an identification number, which hides the type of banking product (debit or credit card), as well as the currency, issue region, and other information.

The number of positions in this indicator is usually 9, but it can be 7, 10 or 13. It depends on how the bank determines along with the service system it has chosen in accordance with international standards and GOSTs.

16th sign, which is the final one in the digital combinations of most plastic payment instruments, is calculated from the previous ones to determine the “correctness” of the number.

On the card, the number is located like this:

other methods

• Online services that give out the name of the company after you enter the number;

An example of such a service is shown in the picture:

• A certain part of the 16-digit code is the identifier of the banking company. Perhaps you have plastic with the same set of numbers issued by the same company. For example, if the combination starts with 4276, then it belongs to ;
• Find its owner and ask him.

You may find the following hint given in the table below helpful:

A detailed study of the meanings of all numbers can help to find out by the card number more detailed information about its type and belonging to a particular bank.

On some cards, the number consists of 18 or even 19 characters. The meaning of the first sixteen we considered above, and the rest are used to separate the cards into subroutines.

18 digits can be found on card products of the Maestro payment system, sometimes on Visa.

The American Express card number consists of only 15 characters, they are divided into groups of 4-6-5 digits. Similar numbers also have products from Sberbank - Visa and MasterCard.

On some cards there is no number at all, but there is a combination of 4 digits. It stands for a four-digit BIN and is topographically applied.

The easiest way to find out which bank a particular card belongs to is by the logo, which is always present on the plastic in the upper part in the right or left corner.

In addition, the card contains the following information:

• surname and name of the holder, written in Latin letters.
• expiration date of plastic
• duplicated four digits of the card (under the embossed card number), which are displayed on payment receipts and checks.
• On the reverse side is a three-digit CVC or CVV code, which is necessary for additional protection against fraudsters. It cannot be shared with anyone. Also, you should not post a photo of the back of the card on the Internet.

If, for example, the buyer asks you for card details, then the information indicated on the front side will be enough for him. If he asks you to name the code on the back, then you have a scammer who wants to use your money!

Many plastic card holders never think about the fact that their payment instrument is tied to an account. If the client is using debit plastic or a credit card to pay for goods in a supermarket, services, fines, mobile communications and other services, then, most likely, he will not need an account number.

But sometimes money needs to be transferred not to the card, but to the account number. In this case, no additional details are needed.

First of all, to make a money transfer, you need a personal account. It should not be confused with the set of numbers on the front of the plastic, since the latter is the No.

Why a customer might need an account number. The fact is that direct transfers by number are not always available. In addition, the cost of a transaction between card accounts of different banks can be quite high.

Features l / s client:

• consists of 20 digits;
• not displayed on the payment instrument;
• does not change after the release of new plastic.

In turn, after the expiration of the plastic carrier, the client receives a new payment instrument, which has a completely different No. That is, after the re-release, l / c, in contrast to the plastic number, remains the same.

When making a payment or for other purposes, a person may need a payment instrument or account number.

Details information is confidential, so how to find out a Sberbank card number by last name only its owner can.

It is worth noting that most often the sender needs the following data to receive money:

• No. of plastic;
• No. l/s;
• to / from the bank.

To receive an invoice personal card you can use the following methods:

• find a contract for servicing a payment instrument;
• log in to Sberbank-Online and get the data. The service is provided free of charge;
• use mobile bank ing;
• find out the number over the phone from bank employees.

Clients who, upon receipt of plastic, indicated email can receive payment details on it. To do this, you need to send a corresponding request.

When contacting bank managers remotely, namely by telephone, the client will need to name the code word. Therefore, if a person is interested, Is it possible to find out the card number by last name, you need to pass identification.

Sberbank and other financial institutions have a strict approach to the issue of storing personal information. If the cardholder has forgotten the code word, then he can receive payment details in other ways.

After entering the pin code and going to the "Details" submenu, the owner of the plastic gets full access to the payment details, including the bank ID and c / s.

The easiest way to find card number owner's last name, for most Russians, it consists in visiting a bank branch.

To do this, you need to present your passport and ask to print the data. If the client is using international transfers, you need an additional code - SWIFT.

The data remains valid until the closure of the l / s. The service is provided free of charge.

The owners of plastic cards sometimes do not even notice the incomprehensible numbers located on the surface of the means of payment. And these numbers are a unique code that is able to identify the identity of the holder in a matter of seconds. This numeric code is called "bank card number".

Table of contents [Show]

What it is

Modern banks have the ability to issue individual cards with the obligatory application of unique numbers to the surface, which will allow you to quickly identify the holder. A bank card is a plastic means of payment that is linked to a current account opened with a bank and used to pay for goods and services. Also individual card Can be used to withdraw cash from any ATM. Card sizes are regulated by international ISO standards, namely No. 7812.

What can you find out by the bank card number

For maximum customer security, a unique number is applied to each card. The idea is not new, but very effective. This additional measure is necessary to preserve Money the owner is inviolable due to the increased incidence of theft of finances during banking operations.

The bank card number is required for:

• Making money transfers between different banks and within the same financial institution. This includes Visa cards and MasterCard.
• Issuing payment receipts for goods and services in stores (including online) that do not support 3D Secure technology. You will be asked to enter a 16-digit code written on the back or front of the card. In addition to this information, you will need to enter your full name. holder and the expiration date of the card, which is written on the back.

What is the difference between a card number and an account

Often, owners confuse the number of a bank card and a personal personal account. These data are different, and it is not recommended to confuse them. In case of confusion between numerical data, it may turn out that your "payment" simply did not find or did not reach the addressee. The personal account number consists of 20 individual digits, and the bank card number consists of 16. When the card is reissued (after its expiration date), the numerical code will not change. But if personal data is changed or lost, it can be changed.

Bank card: number and code

On each payment card contains a unique 16-digit code that carries the following answers:

1. You can find out which payment system a bank card belongs to using the first digit indicated on the front side.
2. Which issuing bank does this card belong to? This is determined by the following 5 numbers. When issuing a card, the issuing bank assigns it an individual code of 5 digits, which encrypts information about the financial institution that issues the plastic payment instrument.

For example, Visa starts at 4, MasterCard at 5, Maestro at 3, 5, or 6, American Express at 3, UEC at 7, and China Union Pay at 6.

1. What type of banking product is used by the owner? Numbers from 7 to 15. By this code, the country of issue, the type of card (debit, credit), settlement currency and much more.
2. What is the verification number? The last 16th digit in the code checks for the correctness of the card / ATM / owner according to the algorithm specified by the system. This logic circuit, which is still used today as the most effective of the proposed ones, was invented by the developer and IBM scientist Hans Peter Lun in 1954.

Bank card number: where to look

Sometimes people wonder where the bank card number is written. The answer is very simple: the combination of numbers shown on the front of the card is the individual code. The numerical row of the bank card number is divided into 4 blocks of 4 digits each.

There are 2 ways to apply the number:

1. In the first case, the numerical series is applied with paint on plastic.
2. In the second, the embossing method is used, with this method the bank card is extruded on the surface. And the numbers become convex.

When you receive a bank card from a financial institution, you will receive an envelope with a PIN code. A numerical code is also written there, which must match the one indicated on the card. The envelope with the PIN code must be sealed, inside there is a 4-digit pin and a 16-digit card code.

How to identify a bank by card number

One of FAQ cardholders is how to identify the bank using the card number? Theoretically, this is possible by the first 6 digits indicated on means of payment. These numbers show the individual identification number of the bank in payment systems, abbreviated as BIN. But it is impossible to find a list of all BINs in the public domain, for some reason they are carefully hidden.

In theory, all information about financial institutions should be publicly available, including numeric codes. This rule is enshrined in the Constitution in the paragraph on the provision of any information, except for secret information (which includes defense, military, etc.), to citizens of Russia. But no such information can be found. Presumably they are in the public domain only for active participants, i.e. for issuing banks.

You can identify the issuing bank by barely looking at the logo and bank card number, where you can look at the title side of the payment instrument. The presence of this sign will help to quickly and easily identify the card by the bank.

Visa bank cards

The cards of this payment system are among the most popular in Russia and neighboring countries, they can be used to easily pay for purchases and, if necessary, use them abroad. The Visa bank card number consists of 16 digits, as well as other cards, except for the limited series of Sberbank. All numbers correspond to certain parameters and are located on the front side of the card.

Sometimes only the last 4 digits of the code are shown in Visa type cards, in this case it is necessary to take an envelope with a PIN code and look at the remaining 12 numbers in it. If for some reason you did not save the envelope, you need to contact the bank that issued the card and clarify there. In telephone mode, you will be asked to pronounce the secret word specified when filling out the agreement with the bank. If the bank employee refuses to give all the numbers by phone, you can take your passport, TIN and go to the nearest branch, where they will certainly help you. If it is impossible to make a call to the bank, you must log in via the Internet to your " Personal Area and look there.

The Sberbank bank card number contains an 18-digit code, which, in addition to standard information, contains serial number department that issued and issued it to the client.

Bank card security

Cybercrime does not stand still, new technologies allow you to steal your money, having a minimum of information about the card. Therefore, to protect yourself from scammers as much as possible, use the following rules:

1. Do not tell anyone the answer to the “secret question”.
2. Activate the "Internet banking" service.
3. Do not leave in plain sight the security code of the CB, which is located on the back of the bank card, and your PIN code.
4. When paying for services or goods, do not leave your card unattended; when entering a PIN code, try to do it discreetly.
5. Do not disclose passwords to strangers.

By following these simple rules, you can protect your money from information criminals and other scammers. After all, knowing your bank card number, even without a password, you can pick up a PIN code and transfer all funds to another account. Therefore, be vigilant and do not trust strangers once again.

Almost every one of us uses banking plastic. Despite the fact that this is the most convenient payment instrument, nevertheless, the funds stored on a bank card are constantly at risk, because fraudulent schemes do not lag behind the security system of plastic cards. But still, thanks to the combination of protection measures with the legislation of our country, plastic users can be to some extent sure that their personal data is under control banking organizations. Although some may be interested in the question of whether it is possible to recognize the owner of the card by the card number. Let's try to understand this topic. An example of how to find out the name and patronymic of a cardholder through a Sberbank mobile bank

Bank Secrecy Law

Banking activity is controlled by several laws, including Federal Law number 395-1. This law governs the implementation banking including Article 26 “On banking secrecy". It states that financial institutions leading financial activity, do not have the right to disclose information about account holders, distribute information about the movement of funds, and other confidential information to third parties, with the exception of officials. If to speak in simple words, then bank employees are obliged to keep secret about their clients and their accounts, in particular, not to disclose their personal data, including last name, first name, patronymic. From this we can draw a definite conclusion that it is impossible to find out who owns the card by the card number from a bank employee.

Remote Services

There is one quite real way how to find out the owner of the card by card number. To do this, you can use the remote services of banks. For example, if the plastic number that you know belongs to Sberbank, then you may well find out who it belongs to. There is one way to do this, you need to send a money transfer to the card number you know, you can do this in two ways:

1. Go to Sberbank online and fill out the form to send a transfer to the recipient's number known to you, before confirming the payment, the system will give you the recipient's data, cancel the transaction.
2. Similarly, you can send a transfer through a mobile bank, for this, send the transfer amount and the recipient's plastic number to number 900, in a response message you will receive the recipient's data to confirm the payment, do not confirm the transaction.

Please note that in this way you can only find out the name and patronymic of the owner, but only the first letter will be indicated from his last name.

By the way, by the card number you can only find out which bank it belongs to. To do this, you can use one of the many online services. In a specially designated field, you need to enter the first 6 digits of the number, after which the system will determine who the issuing bank is, what type of plastic: debit or credit, and which payment system it belongs to. The first 6 digits of the card number are the BIN

Is it possible to find out the data of the card owner by its number

Indeed, there is one legal way find out the phone number of the cardholder by the card number. But it can also be used only in one case, if, for example, funds were debited from your account and transferred to another card account. In this case, you can, for starters, take an extract from your bank to find out to which account your funds were received, then contact the department of the Ministry of Internal Affairs and write a statement about the theft of funds. After that, either the police officer will contact the bank to obtain the details of the recipient's account holder, or issue a warrant to the victim.

How to find out the phone number of the cardholder by the card number? On the this moment there are no possibilities for this.

Thus, if you are interested in who owns a bank card, then you cannot find out this information without reason. Although, in practice, in fact, everything is possible, for example, if your friend works in a bank, and he is ready to take risks and provide you with confidential data, and thus violate the law on bank secrecy.

The first 6 digits of the 16-digit number of a Visa / MasterCard bank card (the so-called BIN, Bank Identification Number) allow you to find out in which country it was issued, by which bank, and also determine the properties of the card itself, in particular its type (debit / credit) , level (classic/gold/platinum, etc.). But that's in theory.

In practice, this works a little differently. The bank, wishing to issue a new series of cards, licenses a sufficient number of BINs in the payment system. Traditionally for credit cards credit BINs are taken, for debits - debits, etc. This allows you to determine the parameters by checking databases (for example, www.bindb.com), which is convenient for hotels, car rental companies, etc., where the service is first booked with the card number, and paid after use.

So, there are no such rules that a credit BIN is used strictly for credit cards, and most Russian banks apply them anyhow - as long as there is enough numbering capacity, they issue all cards in a row with the available BIN. Debit cards with credit BIN in Russia is a common thing.

In total, only the issuing bank and payment system can be reliably recognized from the card number: by the first digits: BIN Visa starts with 4, MasterCard from 51 to 55, JCB from 35, American Express from 37, China UnionPay from 62, MIR from 2200 to 2204 .

1. What can you find out by the Sberbank card number? Maestro. Interested in whether it is possible to find out the region, city, first name, last name or any other data. Please answer those who know or help google ...

2. 
   First 4 digits:
   
   
   
   
   If you transfer money from your card to the number of someone else's card in SBOL (Sberbank), then you will see the name and patronymic of the owner and the first letter of the surname - this is not secret information and nothing more can be found out.

3. The belonging of the card to the payment system is determined by the first four (three) digits. The number of the classic card and above has 16 digits - 4 groups of 4 digits, the cards of the class below have 18 digits.
   First 4 digits:
   5469 - MASTERCARD payment system card
   4276 - VISA payment system card
   676 - payment system card - MAESTRO
   These are not just 16 numbers taken from the ceiling. They are encrypted:
   1st digit - indicates the field of activity of the company that issued the card (4.5 - financial companies / banks);
   the first 6 digits are the BIN of the bank, in other words - the bank identifier;
   from the 7th to the penultimate - the account number of a particular person, that is, the cardholder. This set of numbers is also not accidental, but it is more difficult to understand it, because it can contain data about a bank branch, about the currency of the card, about the presence of a chip;
   the last one is a control number calculated by the Luhn algorithm - that's it, and it does not give repetitions of exactly the same card numbers ...
   If you transfer money from your card to the number of someone else's card in SBOL (Sberbank), then you will see the name and patronymic of the owner and the first letter of the surname - this is not secret information and nothing more can be found out.

   Thank you) it pleases)

4. THERE IS A CARD NUMBER THE NAME OF THE OWNER BUT MAYBE THIS IS ONE-DAY AS SOON AS YOU POSITION ON THE ACCOUNT THEY WILL IMMEDIATELY LOSE

   p.s. By the way, if you need money (both urgently and in general), then here is the most normal short instruction "how, where, where, what and why." And if there are any legal issues- it's better to re-set them here (correctly and quickly answer). This is all bookmarked and has helped out more than once!

Good afternoon!

Determining the bank by card number is really possible, since the first 6 digits (BIN code) just carry this information. You can find out the bank by card number online using special search services by BIN code, or save yourself a small list of popular bank codes that will be useful to you in your work:

As you already understood, according to the table, the card number that starts with 4276 belongs to Sberbank.

How to determine the bank by the card number is simple and understandable, but as for the owner, it is more difficult here. The only thing we can advise you is to use the Internet Bank for this purpose.

How to find out the owner by Sberbank card number?

Just start a new money transfer through the Internet Bank. During the process, you will be asked to confirm the payment according to the data determined according to the card number or mobile phone. Among them will be the first name, patronymic and the first letter of the surname.

You may also find it useful simple rules who will tell you how to find out which card: Sberbank: credit or debit, Visa or Mastercard, etc. - they are described in .

The use of banking plastic is an integral part of the life of a modern person. As in any other areas of life, when using plastic card errors and misunderstandings may occur in the form of incorrect financial transactions. When transferring funds to the wrong addressee, a person is interested in how to recognize the owner by the card number in order to return his money.

Is it possible to find out the owner by the card number

At first it may seem that this issue is easily resolved - contact bank employees or the security service at the institution's branch, explain the problem and ask for assistance in determining the data of the owner whose plastic money was transferred. But there is a nuance. Information about the identity of the cardholder is confidential. Any requests of this nature will be rejected, and employees will argue this with banking legislation.

Bank Secrecy Law

Bank employees cannot provide information about the card account holder, because are bound by the guarantee of non-disclosure of bank secrecy and the rule of law Russian Federation. The activities of banking organizations are regulated by several legislative acts, which include the federal law No. 395-1, containing an article on bank secrecy (Article 26). According to the law, institutions engaged in financial activities cannot disclose to third parties any information:

• concerning account holders, their location;
• about the flow of funds, transactions;
• other secret information.

What do the numbers in the plastic card number mean?

The information encrypted in the number series will not allow an outsider to find out information about the location of the bank card user, but if the plastic belongs to Sberbank, then you can find out the name of the owner by the card number of its holder. Please note: you won’t be able to find out the owner by the number, but it’s quite possible to figure out which bank issued the plastic. Examine the following data:

• The first digit in the 16-digit number indicates the payment system. The most common in the Russian Federation Visa systems and MasterCard, their number series starts with 4 and 5.
• Numbers up to the sixth inclusive - bank identifier, thanks to which you can determine the issuing bank of this plastic.
• The numbers 7 and 8 determine the banking program used to issue plastic.
• From the ninth to the fifteenth - these numbers are related to the personal data of the owner. These unique numbers can be used to identify the user. It is worth noting that they are not related to the date of birth or last name of the latter.
• The sixteenth, last digit has nothing to do with the identity of the owner of the plastic. It serves to confirm and verify the payment instrument and its originality.

How to find a person by Sberbank card number

After an erroneous money transfer to an unknown card, the sender should first of all contact financial institution in person or by calling hotline. After contacting the consultant, you need to explain the situation and provide information about the transaction. It will be indicated in the ATM receipt or in the form of an email sent to the sender's e-mail, if the mobile application was used.

After these actions, bank employees will contact the person who received the erroneous transfer and ask him to return the transferred amount to the sender's account. If the owner does not make a return or argues it with a withdrawal of funds and an insufficient balance, it is worth filing a complaint about theft with law enforcement agencies and collecting money through the courts.

Through Sberbank Online

To find out the name of the owner of a Sberbank card, you can use the Sberbank Internet Bank. To carry out this procedure, you must register, then initiate a money transfer in the online service. You need to enter a number desired card, and the "recipient" section will give out his first name, middle name and the first letter of the owner's last name. After receiving this data, the transfer must be canceled.

In the mobile application of Sberbank

Another remote service that allows you to find out the name of the owner of a Sberbank card is a mobile bank. As in the first case, a transfer should be simulated through it, indicating in the SMS to number 900 the amount and the number of the remitter's payment instrument. In the return message, information about the recipient will be sent to the number from which the request originated. At this point, the transaction should be cancelled.

How to find out the name of the owner if a wallet with bank cards is found

In this situation, you should pay attention to the expiration date of the card. If the plastic is expired, you should not waste time looking for its owner - this will not bring any benefit. If the plastic is active, it is worth trying to return it to the owner. Before you start searching, you should understand: you can not try to use the found card. There are the following reasons for this:

• Without knowing the PIN code, the payment instrument cannot be used.
• An attempt to use plastic in one's own interests falls under Article 159 of the Criminal Code of the Russian Federation “Fraud”. For this criminal act, you can pay with imprisonment for up to two years.
• There is a high probability that this card has already been blocked.

The most affordable and natural way to return the plastic to the owner is to take it to the branch of the issuing bank. Data about financial structure must be marked on the map. Having transferred it to a bank employee, it would be useful to demand from him a receipt for the transfer of the card. This will help protect yourself from the actions of unscrupulous bank employees. Other options:

1. You can return a plastic card by sending it to the bank by mail. On the reverse side of the plastic there is an inscription “please return the finder to the address”. To the specified address and you should send a registered letter with a card.
2. A call to the support service (the phone number is indicated on the back) will allow you to block the plastic and leave a message to its holder. When he discovers the loss and turns to his financial institution to block, the operator will give the contacts of the finder of the card.
3. It is allowed to insert the card into a functioning ATM. The ideal condition would be if it is one can with plastic. After the payment instrument has been inserted, you should press the "Cancel" key, and after 30 seconds the machine will retract it. At the next ATM collection, bank representatives will remove it and send it according to internal instructions.

How to find a scammer by card number

Money transfers on the cards of strangers occur often. This is due to the rapid development of online commerce, which is often used by attackers to steal funds. The situations are complicated by the fact that the potential client has no information about the seller, except for his card number. Information about the owner is confidential and cannot be disclosed even in case of fraudulent cases. You can find out the name, patronymic and the first letter of the last name of the person on whose card the transfer was made, but this will not do much.

In such situations, the most reasonable and correct would be to contact the law enforcement agency with an explanation of the situation and writing a statement. How to proceed:

1. The police must present receipts or printouts of the transfer, an extract from scammers and other evidence confirming the fact of fraud or illegal collection of funds.
2. Along with contacting the police, a similar action must be performed with the bank, presenting a copy of the appeal, a passport there, write a second application - in bank branch.
3. Both the financial institution and the police will accept applications, consider it, start proceedings, but no one can guarantee the return of funds. You also need to be prepared that the investigation will take more than one month. Institutions are required to notify the individual of the results of their actions.