How to check the card owner. How to find out the owner by card number. What does a combination of numbers mean?

The plastic card has become an indispensable payment instrument used in settlements, receiving wages, paying payments, etc. Operations are carried out using the plastic number. If a situation arises when you need to find out the owner of the card, having only its number in hand, you should understand that the information is confidential and is not subject to disclosure in accordance with the Federal Law “On Bank Secrecy” No. 395-1. Therefore, contacting a credit institution for information is useless.

When committing fraudulent actions with cards, the victim can contact law enforcement authorities with a statement. In this case, the card holder will be verified by its number and the relevant information will be provided to the applicant.

You can independently determine only part of the information using the card number.

Information about the last name of the owner of the plastic may be required if the transfer is sent using incorrect details. Since money can only be returned with the consent of the recipient, the way out of the situation may be to simply contact him with a request. In this case, you should act through your bank by contacting the Customer Support Center. You should have a receipt with you indicating the transaction number and the recipient's card details. After completing the identification process, the user must explain to the operator the reason for the request to revoke the transaction. In this case, an authorized bank employee will issue an application to the recipient requesting a refund. The recipient must return the erroneously credited funds independently.

Otherwise, you will not be able to get the money back and the only way out of the situation may be to write a statement to the police or contact the judicial authorities. Therefore, you should be careful when creating a payment document when making a money transfer. The operation should be confirmed only after the entered information has been fully verified.

If a plastic card is found, there is no need to look for its owner; it is better to hand it in to a branch of any bank.

What information is contained in the number

The card number does not contain information to find out who its owner is. Using it you can only determine the identification characteristics of the plastic itself:

• The first digit determines the payment system to which the card belongs, for example, 4 – Visa, 5 – MasterCard;
• Further up to the sixth, there are the digits of the bank identifier;
• The seventh and eighth digits indicate the bank program under which the card was issued;
• From 9 to 15 digits there is encoded information about the card owner, it is impossible to identify it;
• The 16th digit is the control digit.

Thus, it is impossible to find out whose card it is by deciphering its number.

Find out via the Internet

The Internet offers its own ways to solve the problem.

The only legal way is to use official online services. Sberbank cardholders can do this. To use this option, the user must create a document in the Sberbank online system for transferring funds.

Fast and convenient - this is how most trends of the 21st century can be characterized. Everyone is in a hurry to get somewhere, you need to do everything quickly in order to run further. Developers in different spheres of life, like no one else, notice these trends and try to meet customer needs. Taking money out of your wallet, sorting it out, counting, taking change - all this takes too much time. That's why credit cards were invented.

A credit card is a plastic card that has its own number. This number is linked to the payment systems of a specific bank, which issues the card data. Plastic cards come with magnetic stripe or chip. Both devices communicate with the bank. Thanks to this, all sorts of operations are performed. This card is used for various payments through terminals, ATMs or via the Internet. Also on some cards the owner's name is written on the transliteration, and there is a stripe on the back for the owner's signature. If the card is not personalized, then the security code is located on the reverse side. It consists of three or four digits, depending on the payment system (Visa or MasterCard).

Previously, bank cards were not so thoughtful and secure. At first, they were just a plastic card, on which the number and name of the owner were applied using a press. In stores, the data was transferred to a check, and only at the bank could the seller cash out the funds. But the scammers managed to find out many loopholes, and soon the developers realized that something needed to be changed. Thus, magnetic tapes appeared on bank cards. Information with the card number and owner's name was duplicated onto a magnetic tape, and the data from the card was read by the bank. So credit cards have become much more secure, but scammers have found loopholes here too. They spied on the owner of the card, photographed the number and name, and illegally found out the PIN code. Next, they made a duplicate of the card, which was not so difficult, because the information on the front side of the card was duplicated on a magnetic tape, and they withdrew the money.

Fortunately, progress does not stand still. Credit cards are now much better protected. Payments using bank cards themselves are quite safe: they are protected by both a PIN code and a security code. And often bank representatives send additional SMS with a security code or call so that the client confirms the operation. But there is also a human factor - it’s easy to lose a card or it can be stolen. In the second case, they are unlikely to deliberately search for the owner, but in the first case, such a possibility exists. If the card is personalized, then finding the owner will not be so difficult. You should contact bank representatives or, as a last resort, find it yourself through social networks. If the card contains only a 16-digit code, then finding the card owner will be much more difficult.

What does the 16-digit code on a bank card mean?

You can find out a lot of information using the 16-digit code. Each number is responsible for something.

The meaning of the code on a bank card:

1. The first number indicates the industry, what the company that issued the card does. Each number belongs to a different type of industry:

• numbers 1 and 2 mean that the card was issued by an airline;
• number 3 belongs to the entertainment and tourism sectors;
• 4 and 5 are banks and financial organizations. Credit card numbers begin with one of these numbers. The number 4 at the beginning means that the card belongs to the Visa payment system, and 5 is MasterCard;
• number 6 means that the card was issued under the patronage of companies from the banking or trade sectors;
• 7 are oil companies;
• the number 8 belongs to companies associated with the television sector;
• the number 9 means that the card was made for government agencies.

1. The first to sixth numbers can provide information about the payment system that issued this card. These numbers are called the bank's BIN.
2. The seventh and eighth digits tell you which payment system is used when using this card. You can find out more about the payment system on the bank’s official website or from its representatives.
3. Also, the seventh digit begins with an individual code that belongs to a specific person and can become a key to information about the card owner. The individual code ends with the 15th digit inclusive.
4. The sixteenth digit is a verification digit.

Is it possible to find out the card owner (full name) by card number

Finding out the card owner by card number is quite a troublesome and complicated matter. The fact is that there are many loopholes and bugs in the banking industry. Fraudsters, in turn, if given the opportunity, do not miss the chance to take advantage of it. At this time, banks themselves are trying to find gaps in the system and try to protect the client, his money and his personal information as much as possible. Therefore, although the sixteen-digit number contains an individual code with the owner’s information, only a specialist can decipher it. If you accidentally find a bank card, it will be very difficult to find out the owner yourself. You can go to a bank representative and explain the situation. There they themselves, through the security service, will look for the owner.

Bank card with microchip

In addition to cards with magnetic tape, cards with a microprocessor or microchip began to appear. They are also called smart cards. They are much more functional than regular bank cards with a magnetic strip, and contain much more information. But they do not require user identification and verification of the owner's identity, so it will be even more difficult to find out whose it is.

How to protect yourself

Although the protection systems are working great, there are still threats. For any action there is always a reaction. So, programmers write the best security programs, and hackers, in turn, hack them. Nowadays you can pay with bank cards almost everywhere, and many people use it, because it’s convenient and fast.

One of the most popular types of shopping now is online shopping. And this is where credit cards are used most often. Unfortunately, many servers store data, including information from bank cards. Sometimes it is almost in the public domain, and anyone can find out all the information. Because of this, many users suffer.

To protect yourself, first of all, it is recommended to make yourself several cards for different needs. For example, one is for salaries, the second is for purchases, and the third is for storing personal funds. It is better to issue credit cards in large, well-known banks. They are strongly interested in maintaining their image and clientele, so they try to do everything at the highest level.

If you make purchases on websites, then you should take a closer look at them. If the site seems suspicious, then it is better to look for the product somewhere else or at least find out reviews about this store.

Bank cards are used almost everywhere. The number of payment transactions made with their help is growing exponentially. However, errors and failures often occur when transferring funds, as a result of which the money goes to another card account. And the question arises, how to find out the card owner by card number in order to contact and return what was sent. Thanks to the system for protecting the personal data of banking clients, it is quite difficult to gain access to this information.

Personal data of the bank client

Personal data – information that allows you to identify a specific person (full name, age, passport details, address, contact phone number, email address, etc.). To have access to such information, financial institutions are required to obtain each customer's consent to process and use it. This is most often done during the initial data collection phase.

If the client does not give his consent to data processing, then personal information about him can only be used within the framework of the concluded service agreement. With few exceptions, consent is a key factor when considering a possible new service user. Without receiving it, the bank may refuse to provide services.

Banks do not have the right to transfer information about bank card owners without their consent

Bank Secrecy Act

The storage and use of data is regulated by the law “On Banks and Banking Activities,” which defines bank secrecy as a set of information about transactions, accounts and deposits of an institution’s clients (Article 26). Any information regarding the services provided is not subject to distribution by the financial institution.

Clients themselves, their authorized representatives and representatives of government agencies, the list of which is indicated in the text of the law (investigative committee, FSN, FSSP, courts, Pension Fund of Russia, etc.), can gain access to data constituting banking secrecy. The list of government services permitted to access confidential information is periodically updated. Access is provided only as required by law.

If the bank provided a third party with information constituting a bank secret without legal grounds, the client has the right to demand compensation for losses through the court. Only persons listed in the law can find the owner by card number using his personal data.

Security of mobile and online services

There are many offers on the Internet to help you find out whose card it is by using your bank card number. However, not everyone should be trusted, since with the development of online payments, scammers have plenty of ways to lure and steal funds.

The easiest way is to provide information about the owner of the plastic for money. As a result, users pay money for air, since no data is provided to them. And you should not make purchases on sites whose reliability does not inspire confidence. Since when placing an order and entering card details there is a risk of them falling into the hands of fraudsters.

It should be remembered that the distribution of personal information of bank clients is illegal, so promises to punch a card and provide detailed information from a huge database are rarely true.

The card number contains information about the issuer of the plastic card

What can you find out from the map?

Is it possible to identify a person by his plastic card number? In fact, having a number does not make it possible to obtain complete information about its owner, but you can still find out something.

Basically, of course, this will be superficial information about the banking structure where the card is serviced. You can determine the owner of an Alfa Bank card (or any other structure) if the card is personalized. Then the first and last name will be written on the front side at the bottom left.

What data does the number contain?

Most of the information is contained in the bank card number. This data is not secret and anyone can read it if they wish. From the 16 digits on the front side of the plastic you can calculate:

• The first number shows which area the plastic issuer belongs to. 1.2 – card issued by the airline, 3 – tourism and entertainment sector, 4.5 – financial sector (4 – Visa, 5 – Mastercard), 6 – product under the patronage of trade and economic enterprises, 7 – oil production, 8 – television sector , 9 – government agencies.
• Numbers two through six indicate the BIN of the issuing banking institution.
• The seventh and eighth digits indicate the type of payment system used to service this product. System code values ​​vary from bank to bank; this information can be obtained on the institution’s official website.
• From the eighth to the fifteenth (sometimes from the seventh) digits are occupied by the personal combination of the bank client. In rare cases, it is this data that can become decisive when trying to check the owner’s card number.
• The sixteenth digit is the control digit.

It is unlikely that you will be able to find out the owner of a Sberbank card by card number, but it is possible to make inquiries in as much detail as possible.

What can owner data be used for?

According to the provisions of the Law “On Banks and Banking Activities”, personal data can be used only with the permission of its bearer. The goals are, of course, not indicated there. In practice, with the consent of clients, they are sent SMS and e-mail with advertising information. Contact information can be used to notify you of the presence of a debt to the bank.

You can find out the name of the card owner through a bank transfer to Sberbank online

Fraudsters can find out your last name by your Sberbank card number (for example) and use it to make payments on online platforms.

There are certain types of electronic platforms that do not require verification with a CVV code or SMS code. In this case, money will be debited from the card without the knowledge of its owner.

Another illegal type of dissemination of personal data is the sale of so-called “databases” collected in dubious ways. They sell them for a lot of money, and they are not bought for good purposes. At best, this is aggressive advertising. At worst, it involves buying out debts from credit institutions and pursuing debtors with collectors.

Secret tricks on how to find out the card owner by card number

The easiest way to find a person by Sberbank card number is create a transfer form from your card to a known number in the Sberbank system online. When filling out the column with the number below, the owner's name will automatically appear. The translation itself does not need to be confirmed.

In a similar way, you can find out the owner of the VTB 24 card, only in its Internet banking system, when filling out the transfer form by plastic number, only the first name, patronymic and first letter of the owner’s last name are determined.

If the question arises of how to find a fraudster by card number, then all financial experts recommend immediately contacting the police. And, if possible, provide them with all available evidence: receipts, screenshots, account statements, etc.

All banking institutions strive to maximally secure their data storage facilities from external attacks. As part of this strategy, it is almost impossible to find out detailed information about the card owner only by its number, only the first and last name. So, if you need to find the owner of the plastic card or return an erroneously sent transfer, it is better to contact the bank with the appropriate request.

Sometimes situations may arise when it is necessary to find out information about the cardholder, having only the number of the payment instrument itself. Most often this is justified by fraudulent actions on the part of the recipient or incorrectly entered details by the sender. It is possible to find out the owner by card number, and there are several ways to do this.

Through the Sberbank Online system

Using only the Sberbank card number, some information can be found using Internet banking. Some, because the system will only report the first name, patronymic and first letter of the last name. You can do this as follows:

1. find in the service Sberbank Online menu section dedicated to transfers and payments
2. enter the required details
3. without making a transfer, look at the information about the recipient of the funds - it should be indicated next to his card number

The system automatically displays the name and patronymic of the card recipient as soon as the card number is entered. The rest of the information is not given out, as this would be a violation of bank secrecy regarding the preservation of personal data. Be careful not to make a real money transfer to the same card again.

Obtaining information from the bank

Contact a bank branch (either by visit or by phone). You will not receive the card owner's name under any circumstances. A bank employee will be able to voice only the first and patronymic names, and instead of the last name, say its first letter.

This is possible if you express a desire to make a money transfer to your existing card number. Next, the bank employee will announce the acceptable information about the recipient, after which you can refuse to carry out the operation.

How to get your money back if you made an erroneous payment

If you discover an erroneous transfer, immediately call the bank's hotline! If the funds have not yet been credited to the recipient, the transaction will be canceled instantly.

In the vast majority of cases, the return of transferred funds is made only with the consent of the recipient. If it is not possible to obtain his approval, then there is only one way out - contact the police. But you must be sure that this translation carries a criminal meaning, because... The further course of the case may become a criminal trial.

When carrying out manipulations with accounts of any kind, which are carried out with confirmation in the form of entering a PIN code or a one-time security code received from an SMS message, Sberbank acts only as an intermediary. Therefore, it is impossible to return money to the sender’s card without the participation of the addressee.

This suggests that you should fill out the fields with transfer details more carefully, and also be more selective about purchases with prepayment without any guarantees.

If you come across a person on the Internet who demands to pay at least some part of the cost of the goods, it is better not to complete the transaction and study the offers of more reliable stores. Or you can ask the seller to make payment and shipment by cash on delivery:

• The seller sends the ordered product as a parcel via Russian Post
• a notification is sent to the address that was notified in advance that a shipment has been received in your name
• with this notice and identification document, go to the post office
• pay the cost of the cargo (will be indicated in the notification) and receive the parcel

This also has its own risks, since you will only learn about the contents of the shipment after you make the payment. However, this way you will have the seller’s personal data (must be indicated upon sending).