How to find out the payer's personal account number on the receipt

• Card

Attached to a bank card and allows you to manage your finances without visiting the bank.

• Facial

An analogue of a main account that can be used by both companies and individuals. Used for operations that are not directly related to the activities of your business. For example, buying a car or transferring a large amount of money.

• Brokerage

A special account through which investors and traders conduct transactions with securities on the stock exchange. Its work is ensured by an intermediary broker - a professional stock exchange worker.

• Individual investment ( IIS )

It was specifically introduced in our country to encourage ordinary people, and not professional financial gurus, to invest in the Russian stock exchange. Allows you to receive a tax deduction of 13% of the amount invested.

• Investment

Not to be confused with IIS. Designed to store and increase funds allocated by one or more persons for the development of a specific investment project.

• Budget

Used for operations under government subsidies. Executive authorities strictly monitor the targeted expenditure of funds.

• Letter of credit

It is opened by a bank that acts as a guarantor of a letter of credit transaction between two counterparties. The amount agreed upon by the parties is stored until the supplier of the product/service fulfills its obligations.

Types of current accounts

Depending on the legal form of the organization:

• for individual entrepreneurs;
• for a legal entity.

By currency used:

• ruble R/S;
• currency R/S.

If an enterprise practices international settlements in foreign currency, it can open a transit account . Conversion into rubles is available on it.

Some banks additionally encourage clients not to reset their current account by charging interest on the balance. As part of settlement and cash services, entrepreneurs have access to other pleasant bonuses, such as a package of conditionally free payment orders or a salary project.

What is a current, balance or personal account?

Information about your personal account number and other bank details is necessary to transfer money through payment orders. That is, those operations that are documented with accounting entries. Such data is requested by employers, pension funds, individual entrepreneurs, insurance companies and other persons who will transfer money. With this transfer method, it is not the card number that is used, but the personal card account of the recipient of the funds.

Personal or current accounts of individuals in the Russian Federation consist of 20 digits. Each digit carries its own encoded information. Account decryption is important only for accountants and bank employees. But for a general idea, the current account AAA-BB-CCC-D-EEEE-FFFFFFF can be described as follows:

• AAA - first-order balance group, taken from the chart of accounts for banks, for example, the initial three digits 408 indicate that the account is open to an individual;
• BB is a second-order balance group, for example, encoding 17 indicates that the account holder is a resident of the Russian Federation;
• CCC is a currency code, this information is approved in the unified All-Russian Classifier of Currencies, for example, code 810 corresponds to Russian rubles, 978 to euros, 840 to US dollars, 980 to Ukrainian hryvnias;
• D is a check digit, which was introduced to reduce errors in computer processing of information;
• EEEE - internal code of the servicing banking division;
• FFFFFFF is the seven-digit code of the personal account of the bank assigned to the client.

The Russian banking chart of accounts allows a reserve of up to 25 digits in a personal account for individuals. Therefore, when the limit on options is exhausted, accounts with a number of characters greater than 20 are likely. The plastic card number refers to variable details. When its validity period expires, the client issues a new card and it will have a different 18 or 16-digit number that does not match the previous one. And the client’s personal account number practically does not change.

The current account can be changed only when a new chart of accounts for banks is approved, or in the case when the client closes all current accounts and ceases cooperation with a certain credit institution. In a situation where the same citizen re-opens accounts in the same bank, he will be assigned a new personal account.

Bank account structure

The bank account visually looks like this:

XXX UU AAA D BBBB KKKKKKK,

Where each combination of letters means:

• XXX – balance sheet account of the first order;
• УУ – balance sheet account of the second order;
• AAA – currency identifier: ruble, dollar, euro;
• D – the bank determines this figure independently;
• BBBB – number of the bank division that issued the plastic card and opened the account;
• KKKKKKK – identifier of a specific client that is assigned to the subject.

In any case, all designations and digital combinations are approved at the state level, in particular, by the Bank of Russia.

Where to look for information about your personal account number

Only the account owner or an authorized representative can obtain information about a personal account. This data is not shared with outsiders.

All individuals who are issued cards at a bank are required to open an account. It is impossible for a client to have a card but not have a card account. It doesn’t matter whether it’s a credit card or a debit card, it works within the international payment systems Visa/MasterCard or the national one - Mir.

There are several ways to find balance account information:

• in a universal banking service agreement;
• in online banking or mobile application;
• via hotline;
• when visiting the office in person;
• at a terminal or ATM.

Online options are the most convenient, but some clients still prefer personal contact with bank employees.

Agreement

Sberbank concludes an individual banking service agreement with each client. Even if the client does not receive wages, pensions or other types of payments on a debit card, but has issued an installment plan or a credit card, then a current account is opened for him. Universal service agreements contain information about the conditions, rules, responsibilities of the bank and the client, as well as details of the parties. In this document you can find the personal account number of an individual, which consists of 20 digits.

Each client is assigned a unique current account at the bank. Neither Sberbank nor any other bank in the Russian Federation has two clients who have the same personal accounts.

If you don’t have a service agreement with Sber at hand, you can look for the envelope that contained the bank card. On the same form where your full name, address and PIN code are indicated, there is information with the account number, which is attached to the received card.

Online services

Information about the account number is available in the Personal Account of Sberbank.Online. Registered users can open an account through the website or mobile application. When working from the site, the search scheme looks like this:

1. After authorization, open the “Maps” tab.
2. Activate the cards for which you need data, click “Card Information”.
3. In the “General Information” section, information about the cardholder and card account number is available.

In the mobile application, select the desired card. Activate the “Show details” option. The list of data will indicate the card account number. You can save this data or send it directly from the application.

Hotline

You can get accurate information about your personal account number in Sberbank through the hotline. Calls to a single number 900 are free for all Russians from mobile phones. The client will need to prepare a card, general passport, paper and pen in advance. The contact center employee will request information to identify the client:

• FULL NAME;
• the code word that was assigned when activating the card or opening an account;
• series, passport number, residential address.

Remember! Call center specialists never ask for CVV, CVC, card PIN or Internet banking access code. This information is confidential and therefore cannot be disclosed even to representatives of Sberbank.

The operator will dictate the personal account number of the identified client. You will need to write it down and recheck it again. It is important to note that the numbers should be no more and no less than 20.

Office

The traditional way to resolve issues related to banking services is to visit the office. In this case, the client will need a passport or another document replacing it, which was entered into the Sberbank database during identification.

A bank employee will issue a form containing data for all accounts or for one specific card account. In addition, the document states:

• name of the receiving bank;
• correspondent account;
• BIC;
• checkpoint;
• TIN.

If the sender transfers funds in a foreign currency, then the data in the foreign currency and the SWIFT code must be provided. If the recipient does not have a foreign currency account, an automatic conversion will be made at the currency rate on the day the funds are credited.

The personal account number is also contained on all statements. If they come by email, you can find the card account number there or ask for a printout in the office.

ATM

To find out information about your personal account number through an ATM or terminal, you will need a card. The instructions for finding a 20-digit card account consist of the following steps:

1. Place the card in the special slot with the chip facing up and forward.
2. Enter your PIN code.
3. Go to the “My Accounts” tab.
4. Select the account or deposit you need.
5. Click the “Details” button.

The printed receipt contains all the cardholder details. They can be photographed and sent to the sender so that when sending funds no errors are made either in the personal account number or in other data.

How to find out the drug number

To transfer money for utility services through the post office or housing and communal services, you must have with you the paper received from the management company and cash. And in order to pay for the service through a terminal or Internet banking, you need information about the housing code.

Where can you find out the payer's personal information:

1. The easiest way is to look for it in your payment slip.
2. You can also ask the employees of the supplier company for the meaning of the code.
3. View on the website of the supplier organization.

It is not difficult to find the column on which the front number is indicated, so rarely does anyone use methods 2 and 3. But if it is not possible to find the individual digital code on the check, the user is advised to call the management company employees. They will only need to provide the address of the apartment. The information provided should be written down so you don't have to look for it again.

To whom and why can you give a card account number?

Details, including personal account number, will be required when:

1. Transfer of wages . According to Russian legislation, any citizen has the right to independently choose a servicing bank. Therefore, when hired, a new employee can provide his account details to the accounting department for the transfer of wages.
2. Insurance payments. The insurance company will need the information. Insurance reimbursements will be deposited into the bank account of insured clients. The information is transferred to the company by the insured persons along with a package of documents that confirm the occurrence of an insured event.
3. SWIFT transfers. This is an international payment system for transferring funds. The sender can be either a legal company or an individual.
4. One-time payments or compensation . These could be refunds of deductions from tax authorities, receipts from a third-party customer, fees or bonuses from an employer.
5. Crediting funds to the account from other individuals and legal entities through remote services, including Internet banking and the mobile application of Sberbank or other banks.

Contrary to the fears of many citizens, transferring only a personal account to other users is not dangerous. No one will be able to withdraw money from the current account or transfer the amount in favor of third parties without the identification and signature of the account owner.

It is important to know that it is impossible to find out the card number by the personal account number, just as it is impossible to find out the balance account number by the card number. This information can only be obtained personally by an individual or his official representative authorized by a power of attorney.

Card account details

The details contain not only the number, but also other information to determine the correct destination of the payment.

In Sberbank

The details contain the following data:

• Client's full name;
• account number;
• payee's bank;
• BIC;
• Corr. check;
• TIN;
• Checkpoint.

In other commercial banks

Other banks provide the same information. Some banks ask you to additionally indicate the purpose of the payment.

You can find out such information from your bank, that is, from the card issuer. You should not contact another financial institution for such information.

Precautionary measures

There are many fraudulent schemes described online where attackers try to find out confidential data from cardholders. They call on mobile phones, write to email addresses and even gain trust through social networks. Banks regularly remind their customers about what information should be protected from third parties with particular care. You should not tell anyone any information about your financial details, but most of all you should keep secret:

• PIN code of the card and mobile application;
• CVC/CVV code of 3 digits, which is written on the back of a plastic international card;
• login, password to enter Sberbank.Online from the website or through the mobile application.

Internet fraudsters only need to know the CVC key in addition to the card number, holder’s name and expiration date. This way they will have access to money. It’s even more dangerous if these are credit card details, then attackers can not only reset the balance, but also drive the citizen into debt. It is very difficult to prove to the bank that you are not involved in accounts payable, so such data is the responsibility of the client himself.

Most often, clients voluntarily give access to scammers, which is prohibited by the terms of service. Therefore, do not write to anyone, do not voice such information, and also supervise the cashier when conducting transactions with the card. The CVV code is located on the back of the plastic card. Don't let the plastic out of your sight while paying and don't let it be carried away from your sight. Then an unauthorized person will not have the opportunity to see the secret key and gain access to the money.

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about the author

Klavdiya Treskova - higher education with qualification “Economist”, with specializations “Economics and Management” and “Computer Technologies” at PSU. She worked in a bank in positions from operator to acting. Head of the Department for servicing private and corporate clients. Every year she successfully passed certifications, education and training in banking services. Total work experience in the bank is more than 15 years. [email protected]

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Differences between personal accounts and current and correspondent accounts

In practice, a bank can open three types:

• Facial.
• Settlement.
• Correspondent.

Not only will the number be different for each person (a different combination of numbers). The practical purpose will also differ.

What is a current account

A current account is opened only by legal entities or individual entrepreneurs. The goal is to receive income from commercial activities, as well as write off basic business expenses.

It is now impossible to open a company without such an attribute. A legal entity is obliged to carry out non-cash payments.

What is a personal account

Used directly by individuals. They receive wages, pensions, scholarships, etc. with it.

What is a correspondent account

The bank opens it with the Central Bank and other financial companies. For the payer, this type is not relevant and not important. It is indicated in payment documents for accounting purposes of the bank itself.

Comments: 2

Your comment (question) If you have questions about this article, you can tell us. Our team consists of only experienced experts and specialists with specialized education. We will try to help you in this topic:

Author of the article: Klavdiya Treskova

Consultant, author Popovich Anna

Financial author Olga Pikhotskaya

1. Elena
   08.26.2020 at 21:42 Hello, tell me, how can I independently find out which resident account the Sberbank card is open for? For a foreigner or already a Russian citizen, what is the difference? Thank you in advance?.
   Reply ↓ Anna Popovich
   08/26/2020 at 22:15

   Dear Elena, the card is opened upon presentation of a passport of a citizen of the Russian Federation or a citizen of a foreign state. It is impossible to obtain the information you need without contacting the bank. To find out what document the card was issued for, go to the department with the card and passport, then a specialist will check what document the card was issued for.

   Reply ↓

Bank account transactions

The client has the right to carry out any operations with the bank account:

1. Pay for goods, services, make transfers (any types of settlement and cash services).
2. Online sales and purchases of currency (currency transactions).
3. Pay for utilities and government services.
4. Top up your mobile phone and internet.
5. Open a deposit, etc.

All credits and debits are made to the account, not to the card. For example, plastic is lost, damaged, or is being reissued. Knowing the bank account number, you can carry out all the specified operations. To do this, log into Internet banking, mobile banking, or come to the branch with your passport.

Transfers to organizational accounts

In order for the payment to reach the payee's account, the payer must know the following information:

• full name of the bank where the money is received;
• BIC of the bank to which the payment should be received, its correspondent account;
• the current account of the subject to whose name the transfer will be sent;
• full name of the company, tax identification number and checkpoint.

When making a payment, whether an individual entrepreneur or a legal entity, it is necessary to indicate the purpose, as well as the documents on the basis of which the money is transferred.

According to the current regulations, the processing time for a transaction is 3 calendar days. As a rule, money is credited the next business day after the transaction is completed.

The main mistakes when conducting financial transactions

The main mistake when conducting payment transactions is incorrectly specified information. Money goes to the wrong entities. And, unfortunately, it is not always possible to get the money spent back.

Another option is that money is transferred using a card number that has long expired. And here there are two options:

1. The money will be credited to the account that was linked to this plastic card (positive outcome of events).
2. The money will not be credited, but will remain stuck in the system and will be automatically returned to the sender.

Often, when making an online payment, the system automatically pulls up the recipient’s data. But this doesn't always happen. And if you make even one typo in the number, the money simply will not reach the recipient.

What does the number on the plastic mean?

Russian banks mainly issue Visa and MasterCard payment instruments, the numbers of which consist of 16 numbers. These are international financial instruments, so in each country served, the cards have an identical appearance. And the MIR cards from the National PS are also reduced to a similar denominator, they look exactly the same.

The card number is reflected on the front side of the plastic, it looks like 1111 2222 3333 4444. And each number contains important information:

• the first digit indicates which payment system services the plastic card: Visa - 4, MasterCard - 5, MIR - 2;
• the next five digits are the BIN, which indicates which bank, which branch issued the means of payment. Credit and debit cards are assigned different BINs, so this number can be used to determine not only the bank, but also the type of plastic;
• the next nine digits are a unique number assigned to the holder;
• the last number is the control number.

So it turns out that there are simply no identical numbers in the world. And if you need to determine which bank issued the plastic, you can use free online services that instantly provide information.