How to find out the bank by card number?

Plastic bank card is a common tool for non-cash payments. If a person keeps the calculated plastic in his hands, then most of the information on the map is already available to him - the data is applied to the card. How to be in cases where there is only a card number?

1

Banking Plastic Identifier and Settlement Card

The card number is a numeric sequence consisting of 16 (most often) characters divided for convenience by 4 blocks of 4 digits. At the same time, some banks produce cards whose number contains 17, 18 and even 19 digits. The data is applied on the front side of the plastic. It is this number that is used during the transfer of money to the card.

It is important to understand that the card number and the bank account number are different numerical sequences. From the moment of opening an account in the bank and before its closure, the bank account details remain unchanged. At the same time, for the period of cooperation with the Bank, the client can change not one calculated plastic (loss, theft, end of the validity period), each of which will have a new number.

All digits of the card numbers have their meaning:

• The most important are the first 6 characters - the bank ID (BIR) banking identifier.
• Figures from 7 to 15 define the type of banking product, the country of emission, as well as the card currency.
• The final 16th digit is the result of calculations based on previous 15 signs.

What information does the Bir contain? The identifier allows you to find out:

• The belonging of plastic by a particular payment system - an organization that serves a card, and also sells payments on it (Visa, Master, Maestro, AmericanCSpress, etc.).
• Data on the bank of the calculated plastic.
• The country of the issuer's bank.
• Debit or loan card in front of you. Calculations on debit cards are made practically without restrictions, while the handling of credit cards has its own characteristics.
• The status of the calculated plastic (Classic, Gold, Platinum).

2

Determining the payment system according to BIR

The first sign of the bank identifier determines the payment system to which the plastic card belongs. So:

• "1" - payments on the calculated plastic is carried out by the JCB system.
• "2" - the card is serviced by the world system.
• "3" - plastic belongs to the system of American Express, JCB International or Diners Club.

1. 34, 37 - American Express;
2. 30, 36, 38 - Diners Club;
3. 31, 35 - JCB International.

• "4" - Map maintenance produces Visa system.
• "5" - payment transactions implements MasterCard or Maestro payments.

1. 50, 56, 57, 58 - Maestro;
2. 51 - 55 - MasterCard.

• "6" - the card refers to the Maestro system, China UnionPay or Discover.

1. 63, 67 - Maestro;
2. 62 - China UnionPay;
3. 60, 64 - Discover.

• "7" - a universal electronic card.

3

Definition of the Issuer Bank by map number

Knowing the number of plastic bank payment instrument, you can learn incl. and the name of the financial institution serving this card. To do this, it is enough to use one of the numerous online services presented on the Internet, for example:

• Bank-Issuer (1).
• Bank-Issuer (2).
• Bank-Issuer (3).

The system will process the data entered and provide complete information according to the card identifier, including a bank to which this plastic belongs.