How to determine the bank by the card number: what are the 16 digits in itself
Is it possible to determine the issuing bank by the card number,where you can quickly pass this identification and what else you can learn with the help of the bank card number - an approximate plan of this article. Let's start with the "secrets" that carry the number.
Is it always 16?
Before deciding to determine which bankthe card belongs to the number, the reader must have paid attention to the latter. All cardholders are accustomed to the fact that it is usually sixteen-digit - four groups of four symbols. However, the earliest issues contained a 13-digit number - the first group stood out with four figures, and the rest included three.
Also issued cards with a number of 19 characters. Usually they to some extent duplicate 16-digit, because they come out within the framework of any particular subroutine.
What is "hidden" in the card number?
By the number of the bank card to determine the bank - this is not the limit of opportunities. All 16 digits carry certain information.
The first digit denotes belonging to a particular world payment system:
- 4 - "Visa";
- 5 - "Master Card", "Maestro";
- 3 - "American Express."
The second or fourth digits are the number of the credit institution that issued (issue - issue of bank cards) this product.
Fifth-sixth is an additional identifier of the banking institution.
These six signs are the BIN, which tells how to determine which bank the card is by number.
Seventh-eighth - the program number, within which this product was released for the bank.
Ninth to fifteenth is the immediate number of this card.
The sixteenth figure is very curious. It is the total number of mathematical manipulations over the seven-digit number from the previous paragraph. By what formula or algorithm they are carried out, it is known only to specialists directly involved in this stage of production.
What is a BIN?
Before you determine the bank by card number, you need to familiarize yourself with the concept of "BIN". As already mentioned, this is the first six characters.
BIN is the identification number of a certainBank (Bank Identification Number). It is used to determine a bank or other credit organization in processing, clearing or authorization. Defines the type of payment system - a service for the transfer of electronic money, which has a set of technical, hardware and software rules for the transfer of funds from one side to another. The most famous are such international systems: "Master Card", "American Express", "Visa".
The format of the number is governed by the standards thatreleases the Community of World Financial Telecommunications between Banking Organizations (SWIFT) and the Russian GOST. However, the principle by which BINs are distributed is closed to mass acquaintance, it is available only to immediate members of this banking system.
How to identify a bank by BIN
Most often try to learn the nameissuing bank in cases where only the card number of the addressee is known, and for transferring funds to him, these additional details were needed. Sometimes it is necessary and in order to find out whether a domestic or foreign bank owns this product.
How to determine the bank by card number? Find through the search engine site Binlist or BIN Database and enter the first six digits. Information will appear on the payment system, the country where the product was issued, the issuing bank and its contact information (site, hotline), the type of card - debit or credit, and its status - ordinary (classical), gold or platinum.
Before the BIN Database identifiesBIN, you need to "assemble" an uncomplicated mosaic to the right of the numeric input box - to confirm that you are not a robot. By the way, although both sites are in English, their interface is quite understandable and is available for those who do not speak this language.
Common BINs in the Russian Federation
How to determine the bank by card number via the Internet, we have already disassembled. This can also be done with the help of this table, which collects the identification numbers of most well-known banks in the Russian Federation.
| Sberbank | 427..., 54693, 63900, 67758 |
| The Gazprom Group | 526483, 548999 |
| "Alfa Bank" | 415428, 45841, 477964, 521178, 5486..., 676371 |
| "VTB 24" | 427229, 447520, 46223, 527883 |
| Raiffeisen | 4627.. |
| "Russian standard" | 5100..., 513691 |
| "Promsvyazbank" | 4762..., 4478..., 520373, 554759 |
| "HomeCredit" | 4454... |
| "Tinkoff" | 437773, 521324 |
| "Rosbank" | 440503, 554761 |
| MTS | 533736, 540616 |
| "Summer Bank" | 405992 |
| Unicredit | 48909, 490855, 531344 |
| SKB | 447818 |
| "OTP Bank" | 522470 |
| UBRD | 676636 |
Classical, gold and platinum
During the process dedicated to howto determine the bank by the card number, information on the status of the card-classical, gold or platinum-was to appear. It is necessary to understand and with these categories.
Most users choose or already get the default maps by default. Their functional is very wide:
- international service - servicing abroad by the so-called slip - without request to the "home" bank;
- the possibility of performing financial transactions on the network;
- "Hardware" chip - for secure payments in terminals, and code - for purchases over the Internet;
- a free report is provided on the card;
- it is possible to conclude an affiliate program with Aeroflot.
Gold and platinum cards, first of all,differ in the value of the annual service price. For example, for owners of "Master Card" it can reach up to seven thousand rubles (in some banks, however, free annual service is provided). For owners of "Visa" - from 1500 rubles for gold and up to 7000 rubles for platinum. The service "Visa Infiniti" comes to 30 000 rubles a year.
However, these cards, in addition to emphasizing the status of the holder, also have a number of other advantages, for example, for "Visa":
- Gold - emergency support in case of loss(blocking, urgent re-release), legal and medical support, bonus bonuses for payment, "concierge" system - reserve of free tables in restaurants, mailing news about new privileges;
- platinum - in addition to the benefits of gold there is a free provision of "Protection of purchases" and "Extension of the guarantee", concierge - a taxi call or car rental organization;
- Infiniti - free insurance of the owner and his family on travel, concierge - selection of home staff, assistance in purchasing, organization of repair work. </ ul </ p>
