What is a card account number
A current account (hereinafter referred to as RS) is assigned when registering a banking product. This is a unique 20-digit combination for each bank used to complete transactions. The user has the right to replenish the balance and withdraw cash an unlimited number of times. Within the framework of the tariff, it is possible to open an account in rubles and foreign currency.
When ordering a multicurrency card, several PCs are opened in different currencies; they will have a similar numerical combination.
The card account number differs from the card number not only in the number of numbers. Unlike the numbers on the front of the plastic, which are a unique combination, the PC can be repeated. However, one bank cannot have two identical PCs.
Why do you need a card account?
Despite the fact that Card2Card transfers do not require details, some operations cannot be carried out without knowing them. Without specifying 20 numbers, you cannot receive wages on the card, social payments, benefits, scholarships, etc.
When making a non-cash payment or transferring money from a legal entity, you also need to indicate the RS. Without this data, the transaction cannot be completed.
Through the nearest branch
This method is not suitable for those people who regularly travel and travel abroad.
It should also be noted that another disadvantage of this method is that a specific specialist is responsible for providing clients with details, who is often busy or even difficult to find in the branch due to his absence from the workplace.
It should be noted that when issuing information on the card and its personal account by a bank employee, the possibility of typos and errors is minimized, and this must always be taken into account, because otherwise you can lose money, since it will be sent to the wrong details.
How to find out
If you need to find out your personal PC, you can’t just take the plastic and look at the data, since it is not reflected on the physical medium. The numbers you see are the card number.
There are ways to find out (see) the card account number of a bank card:
- ATMs and terminals;
- mobile app;
- envelope with PIN code and agreement;
- call the contact center or visit the office.
In documents
When issuing a card, the bank entered into a service agreement with you in 2 copies, one of which must be with you. The document contains information about the details that will be required to carry out transactions (your RS, BIC and full name of the organization). If the contract is lost, do not be upset, there are other ways, but they will take a little longer.
In online banking
Information about the card is duplicated in your personal account. To do this, you need to go to your personal account on the bank’s official website, select a card and go to the “Information” section. For convenience, you can send the details to a third party or copy the data to the clipboard. This will prevent you from making mistakes when entering a combination of numbers.
If you do not have access to online banking, register in the system. Usually, to do this, you need to indicate the plastic number on the front side and the mobile phone number specified during registration. Registration takes about 2-3 minutes.
At an ATM or app
When an ATM is in close proximity, you can find out the details. Insert the plastic card into the ATM or terminal, select “Information” or a similar section. Next, order printing of your details. The ATM will issue a receipt with the necessary data.
If there is no ATM nearby, but you have a mobile phone, go to the application. Information about cards is usually published in the “Information” tab.
At the support service or branch
Customers who are not computer and mobile savvy can request data from a contact center or branch. Go to the bank's official website and find the call center phone number. Prepare your passport details and plastic card. The specialist may ask you to confirm your identity with a code word.
To find out the current (personal) account number of a Sberbank credit card at a branch, you do not have to go to the office where you received the plastic card. Any nearest branch will do. You need to have a physical card and passport with you.
Through Internet banking Sberbank Online
You can obtain detailed information about your plastic current account by using online banking capabilities. To do this, you will need, in addition to having an Internet connection, to log into your personal user account.
READ The procedure for withdrawing funds from the account of a minor child in Sberbank
In order to enter the user account, you must enter a login and password, which are issued to the bank client at the time of signing the agreement to receive plastic. The client can also independently change the login and password through the self-service terminal.
After a person logs into his account, he must go to the “Cards” menu. Next, you need to go to the “Card Details” menu item, where the user will be provided with all the information about this payment instrument, including its details for transfers and various financial transactions.
Finding information about a plastic card in this way will be convenient for those who are outside the country, which makes it impossible to visit a Sberbank branch.
Card account details
All RS figures are regulated by the Central Bank of Russia in Appendix 1 to Regulation No. 385-P “On the rules of accounting in credit institutions located on the territory of the Russian Federation.” That is, all 20 digits have a decryption.
Let's imagine the standard number as follows: 111 22 333 4 5555 6666666, where:
- 111 - balance sheet account (hereinafter referred to as BS) of the first order;
- 22 — second-order BS;
- 333 — currency code (810 — Russian ruble, 840 — American dollar, 978 — euro);
- 4 - check digit;
- 5555 - division code of the banking organization;
- 6666666 is a 7-digit user ID.
An ID is assigned to each client individually.
The RS of individuals with debit or credit cards usually starts with 40817 (for residents) and 40820 (for non-residents of the country).
In a commercial bank
All commercial organizations providing financial services to clients are subordinate to the Central Bank of the Russian Federation. Therefore, the card details of commercial and state banks will not differ, with the exception of the control number, department code and identifier. For example, RS in Tinkoff and Sberbank have the same first 8 digits. The differences begin with the control sign.
In Sberbank
RS in Sberbank consists of 20 characters, like in any other bank. Details are reflected in your personal account on the Internet and in the Sberbank Online application.
When issuing a card to an individual, it is prohibited to accept payment for any commercial activity, as this may be regarded as money laundering. Sberbank has the right to block access and request documents confirming the origin of financial funds. To carry out entrepreneurial activities, a separate RS is issued, it starts with the numbers 40802.
What is a personal account
A personal account with Sberbank is an additional RS detail through which the client can carry out financial transactions: transfer money or withdraw cash, pay for services, etc. In simple words, LS clarifies and expands the identifier of an individual’s current account, since Sber has a lot of private clients and the number of digits in a standard RS is not enough. In this case, the money of each citizen is counted separately.
LS is assigned when you issue a debit or credit card, open a deposit account, receive a pension or other social benefit.
Via ATM
Not every person knows that using an ATM you can look up the personal account number of a plastic card. Moreover, this method is one of the most convenient, because the Sberbank ATM network is the largest in the country.
When conducting various transactions with plastic, detailed information about this payment instrument is displayed on the ATM screen. When withdrawing or depositing money, the user will only need to rewrite the account information.
Instant and prepaid cards
Prepaid card is a financial instrument used to store a certain amount of money. Usually the client pays money at the time of registration. They are available for making expense transactions immediately after receiving the plastic. Prepaid cards are issued without specifying a name and are issued instantly.
They also have a card account attached to them, but it is impersonal, so experts believe that such cards are unsafe: when making a transaction, a PIN code is not entered, so it is impossible to withdraw money from an ATM. Typically, prepaid cards are issued jointly with the retail chain. Card balance - bonuses equivalent to Russian rubles, or gift money. They can be used to pay for goods or services within one or more networks, depending on the rules of use.
In most cases, Prepaid cards are disposable and cannot be topped up. Once the limit is used up, the plastic can be thrown away. Storage limit—RUB 150,000.
Kinds
Personal accounts are maintained in many organizations (banks, insurance companies, tax authorities) and they are divided into four types:
- bank;
- employee;
- taxpayer;
- financial and personal account.
Let's try to understand each of them in detail.
Bank personal account: what you need to know about it
How the relationship between the credit institution and the client occurs - information that is recorded on the personal account. That is, using this document you can track all loans, payments, debts and other banking transactions.
The same client can open several accounts in one bank - this is not prohibited by law.
Legal entities are also opened to keep records of payments.
Personal (or standard) employee account
To put it simply, a standard invoice is a document that reflects all information on salary. Financial assistance, taxes and other benefits are also indicated here.
Note! It is not necessary to use standardized forms. The organization has every right to independently develop a document structure that corresponds to the features and specifics of the enterprise’s activities and the current remuneration system. But (!) an independently developed document must be approved in the accounting policy of the organization.
An employee’s personal account is created separately for each person from the date of registration for work, or from the beginning of the calendar year.
All responsibility for maintaining the document falls on the shoulders of the responsible accountant.
In accordance with the legislation of the Russian Federation, the storage period for such documentation is 75 years. Its safety is ensured by the company.
Taxpayer's personal account
When a taxpayer is registered, a personal account is opened for him along with his TIN. This is a special form of internal control, where you can see what taxes have been calculated for you and which you have paid. It also keeps track of the transfer of pension contributions.
To find out your taxpayer number, contact the tax authority at your place of registration. Show the employee your passport and inform them of your decision. He is obliged to provide the necessary information, as well as provide other information of interest. This way, you can “declassify” your code and find out how much taxes you paid.
If you don’t have time to visit the tax office, you can find the necessary information on the State Services website in the subsection “Extract from personal account.”
Financial and personal account
This is a document that is issued for real estate owned by citizens under a lease agreement or on the basis of ownership. It contains information regarding payment of utilities, as well as deposits of funds for the maintenance of the house. This document also describes the “character” of the property: where the apartment is located, how many rooms it has, the number of floors of the building and its degree of wear and tear.
What public services are provided and what “benefits of civilization” can be used - information recorded in the financial and personal account. By opening the document, you can see whether the apartment has a gas water heater and stove, whether the house has a garbage disposal and an elevator; what kind of heating: individual or central.
This document contains information about the number of persons living in the premises. If the property is owned by several people, then the shares of ownership are also indicated in the document.
On a note! If a financial-personal account requires adjustment, then any changes are made on the basis of a specific document. In the absence of certificates, changing anything in the document yourself is prohibited.
What is it for?
Often, full details are used to credit pensions, salaries and other social benefits. This is much more reliable, and when transferring from other banks or foreign credit institutions, it is better to use a complete list of details.
As you probably know, bank plastic is valid in the bank for 3 years, and upon expiration it changes. In this case, the card number also changes, but the cash vault number always remains the same.
(
1 ratings, average: 5.00 out of 5)
Using the mobile application
The Sberbank Online service is also optimized for mobile gadgets. This is the same Personal Account, but for a smartphone, tablet and other devices. With its help, it is easy to manage bank cards, receive information of interest, find out news about bonus programs, discounts, pay for the services of suppliers without commission, and much more. To find out the personal account of a Sberbank card using Sberbank Online, you should click on the logo of the desired card and open a separate tab with information on it. You can also click on the “Card Details” section and find out its account.
- Step.
- Step.
- Step.
- Step.
