For transfers between accounts, you must specify the details. Checking account and the name of the recipient is used to identify the recipient. But to find out in which organization the client is served, a special code is used. In this article you will learn what a BIC card is and how to find it.
Definition
An individual bank card code identifies the organization that issued the payment instrument. It is the same for all accounts, cells and other products of one financial institution. BIC is used in various documents and for performing standard operations, for example, transferring funds between cards, it is not needed. The exception is transactions in which it is necessary to indicate all the details of the recipient. So, how to find out a BIK card of Sberbank? There are several options:
- read the contract;
- look at the official website of the bank;
- find information in the "My Account";
- Call the hotline
- ask a bank specialist.
Next, we consider in more detail some of them.
Decryption
The Central Bank assigns a unique BIC to each credit institution. The code consists of 9 digits:
- 1-2 indicate the affiliation of the Russian Federation;
- 3-4 are OKATO codes;
- 5-6 determine the units of the Central Bank;
- 7-9 is the internal number of the credit institution.
The BIC Directory is regularly updated by the Central Bank. All information in it is available to all financial organizations. From the code you can also find the approximate date of registration of the credit institution.
Requisites
The card is attached not only to the account. For the correct translation, you need to specify several details:
- beneficiary's bank name;
- Name of the recipient;
- branch correspondence account;
- BIC of the branch that issued the card;
- card number;
- TIN of the holder;
- number l / s;
- PPC.
All these parameters are used to increase the security of money transfers. The procedure is as follows:
- It is checked whether the client is listed in the database, and in which department he received the card.
- Funds are transferred to the branch account.
- The department checks the full name and taxpayer identification number.
- After the funds arrive at the personal account of the client, they become available for use.
With the reissue of the card, its number changes. L / s remains until the contract is terminated. But then he moves to the archive for 70 years. That is why the account number consists of 20 digits.
P \ s includes the following categories:
- 1-2 - the number of the balance account of the first and second orders;
- 3rd category - currency code;
- the last is a check digit.
Correspondent account opened by a credit institution at the Central Bank or at another institution. It is used to reflect the calculations based on the signed contract. In international settlements, this attribute is not always used. In Russia, it consists of 20 digits. The first three are 301. The last (18, 19 and 20) contain a 3-digit participant number. It corresponds to 7-9 bits of the NIR.
How to find out the BIC of a Sberbank card through an operator?
It is necessary to call the name, number of the plastic payment instrument by calling the hotline 8-800-555-5550. From abroad you will have to call another number specified in the contract. It starts with +7. In this way, you can find out the details of any bank customer. Information about the BIC is not confidential. You can also find out from a specialist in the department. It is best immediately after receiving the card to check with the bank employee the details for ruble and international transfers to the account.
Alternative methods
How to find out a BIK card of Sberbank via the Internet? First you need to find out the branch number.The easiest way is to look at the front of the card under the last name and first name. If it is not at hand, then the same information can be found on the official website of the organization. You need to select the region in the very top line:
- “About the Bank” - “Information” - “Network” - “Details”.
- "Branches and ATMs" - select the desired branch - reveal the full details.
Where can I see the SEC of the Sberbank card in the "My Account" on the site? You must go to the "Mobile Bank", select the card for which details are specified, go to the "Information" section. The code to find there is not difficult.
How to find out the BIC of a Sberbank card through an ATM? Insert the card into the receiver, enter the PIN, select "My Payments" - "Account Details".
Sberbank is one of the organizations that provide details by e-mail. Thus, you can find out the data of a third party. It is necessary to generate in any form and send a request letter to E-mail, indicating in it the name of the client and the number of his plastic payment instrument. Here's how to find out the BIC of a Sberbank card.
Conclusion
One of the details that is used for settlements is an individual bank code. It consists of 9 digits. Having decrypted it, you can find out which branch of the Central Bank and when exactly it was assigned. In international settlements it is rarely used, but in transfers across the territory of Russia it is regularly used. Here is what a BIC card is.
