How to determine the owner by the last digits of the card. How to find out who owns a Sberbank card by number? How to find out the Sberbank card number by last name

It happens that the owners of bank cards transfer cash to strangers, not suspecting them of fraud. Unfortunately, this happens quite often: unscrupulous sellers create a website or publish an ad with which they try to sell various kinds of goods or services in advance. Then they attract buyers, collect money from them and safely disappear, while deleting the site / ad from the Internet. As a result, the deceived client is left with nothing.

The situation is not simple, because the client of the fictitious store/seller has practically no information about the fraudster, except for the card number to which he successfully transferred his money. What to do in this case?

How to find the owner of the card?

All information provided by the client to the Bank upon opening the card is confidential and not subject to disclosure. Therefore, a deceived citizen will not be able to simply approach a Bank employee, tell him the fraudster's card number and obtain the necessary information about the owner.

Of course, you can independently find out the name and patronymic of the cardholder, for example, using the Internet bank, where when transferring funds, the first and last four combinations of digits of the card number are usually displayed, as well as the owner's name and the first letter of his last name, or through ATMs / terminals. But what will it give?

Therefore, in this situation, it would be best to immediately contact the police (with checks confirming the transfer of money, correspondence with scammers, etc.), write a statement about what happened, and then also turn to the bank for help.

Both the police and the bank will accept and consider the application, but they cannot give guarantees that the money will return to its owner. Also, you should be prepared in advance for the fact that the investigation may take more than one month.

Reading 5 min. Views 500 Published on 03.02.2019

Plastic bank cards are confidently entering the everyday life of our citizens. According to statistics, almost every Russian is a holder financial instrument from Sberbank, the largest credit and banking organization in Russia. But we are all human beings who make mistakes. Often there are situations when a money transfer was made with incorrect indication of card details (in particular, its number).

And what to do when a non-personalized card is found, when, apart from its number and the name of the bank, nothing is known about the owner? Is it possible and how to recognize the owner by the Sberbank card number in order to return it itself or erroneously transferred money? Any person can face such a situation, so it is worth analyzing it in more detail.

Independently by the card number you can find out only the name and patronymic of the holder, as well as the first letter of the surname

How is the bank card number decrypted

At first sight, this question the solution is extremely simple, you need to go to Sberbank and ask employees to give personal information about a person by card number. But in practice, this cannot be done through Sberbank employees; bank employees do not have the right to disclose this information.

Personal information about bank client considered confidential and not subject to disclosure. The Bank can provide this information only at the official request of the authorities.

Having been denied bank branch, many are interested in how to find a person by Sberbank card number on their own. Numbers plastic card are not really secret. And each of them contains certain information. In particular:

1. 1 digit speaks of payment system cards (3: American Express, 4: Visa, 5: Mastercard).
2. 2-6 digits are determined by the bank that issued the plastic. This digital set is called the Bank's BIC.
3. 7-8 numbers indicates the banking program that was used to issue the card.
4. Numbers 9-15 already refer to the plastic holder. This numeric configuration is unique and helps identify the owner. But when using certain programs, it’s easy to determine the full name by numbers. man will not work.
5. 16 figure does not carry any specific information. It is used by the banking service to double-check the correct assignment of the plastic number.

So, arguing whether it is possible to recognize the owner by the Sberbank card number, it becomes clear that simply by studying the data on the card (if it is unnamed), it is impossible to determine the person holding the plastic. But there are some other possibilities to clarify the situation.

What do the symbols on the map say?

Clarification of information in Sberbank-Online

To have information about the cardholder, knowing only its number, you should use the services remote service. True, it will only be possible to find out the middle name and first name, as well as the first letter with which the surname begins. To do this, you should initiate a money transfer, but the operation is not completed. At the stage of data rechecking, before requesting a confirmation SMS message with a code, the cardholder's data will be displayed in the "Recipient" column.

Will the bank provide this information?

As already mentioned, an outsider cannot obtain such information from bank employees. Even if a certain acquaintance works in the bank. When disclosing confidential information, bank employees not only risk their jobs, but will also be held liable, as they will become violators of the law. Banks are required to provide information of this kind only upon official request from tax office, service bailiffs or the police department.

If the search for the plastic holder occurs due to some fraudulent actions on his part, then the best way out is to contact the police and write a statement.

Through Sberbank-Online, you can find out the name and patronymic of the owner of the plastic and the first letter of the last name

If funds were transferred to the card by mistake

In this case, the victim has every right to apply for a refund of the amount to a banking institution. You can first call the technical support service of Sberbank (8-800-555-55-50 or 900) and describe the situation. The operator will also need the number of the erroneously executed money transaction. This situation is resolved quite simply and does not require any personal actions to find the holder.

After considering the application, Sberbank itself will take necessary actions, will contact the cardholder and make a formal request for the return of erroneously received funds. If the person does not respond, the client has every right to go to court and return the erroneous amount with the help of the authorities.

Many people, trying on their own to find the cardholder by its number and return erroneously sent money, turn to various sites for help. There are portals that provide this information. To do this, you just need to drive the plastic number into the search bar and get all the information about the cardholder. But you need to understand that obtaining information in this way is not legal and may entail certain troubles.

Effective ways to return the found plastic to the owner

Found bank card, of course, it is worth trying and returning to the owner as soon as possible. But first of all, pay attention to the expiration date of the plastic. If it expired, then it's not worth the trouble. Otherwise, you should take some action to find the owner. For instance:

1. Make a transfer for the minimum amount to the card number, and sign your own in the comments contact number telephone to contact.
2. Take the find to Sberbank and write explanatory note.
3. Post your findings on social media.
4. Send the found card by mail (if it is not possible to visit Sberbank). The address to which the found cards should be sent can be found on reverse side plastic.
5. Call by phone (it is also indicated on the back of the card). Bank employees will block the found plastic and contact its owner.

conclusions

The best way out of a situation where you need to return erroneously transferred money or find a holder unnamed card is to contact Sberbank. And of course, it is extremely responsible to approach the storage and interaction with your personal card. Before confirming a money transfer, carefully check the specified data. You should also take a responsible approach to storing a savings card, because if, when lost, the plastic falls into the hands of intruders, the client can quickly lose money even before the loss is detected and the card is blocked.

Fast and convenient - this is how you can characterize most of the trends of the 21st century. Everyone is in a hurry somewhere, you need to do everything faster in order to run further. Developers from all walks of life, like no one else, notice these trends and try to meet the needs of customers. Getting money out of your wallet, spreading it out, counting it, taking change - it all takes too much time. Therefore, they were devised credit cards.

A credit card is a plastic card that has its own number. This number is tied to the payment systems of a particular bank, which issues the card data. Plastic cards come with a magnetic tape or a chip. Both devices communicate with the bank. Thanks to this, all sorts of operations are performed. Such a card is used for various payments through terminals, ATMs or via the Internet. Also, on some cards, the owner's name is written in transliteration, and there is a strip for the owner's signature on the back. 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 safe. At first they were only plastic card, where the number and name of the owner were applied with the help of 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 a lot of loopholes, and soon the developers realized that something needed to be changed. So, magnetic tapes appeared on bank cards. Information with the card number and the name of the owner was duplicated on a magnetic tape, and the bank read the data from the card. So credit cards have become much more secure, but even here scammers have found loopholes. They spied on the owner of the card, took pictures of the number and name, and illegally learned the pin code. Then 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 withdraw money.

Fortunately, progress does not stand still. Now credit cards are much better protected. Payments with 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 the client to confirm the operation. But there is also human factor- the card is easy to lose or it can be stolen. In the second case, the owner is unlikely to be searched for intentionally, but in the first case, such a possibility exists. If the card is registered, then finding the owner will not be so difficult. You should contact the representatives of the bank or, in extreme cases, find through social networks on one's own. If the card contains only a 16-digit code, then it will be much more difficult to find the owner of the card.

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

A lot of information can be found by the 16-digit code. Each number stands for something.

The meaning of the code on the bank card:

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

• the number 1 and 2 means that the card was issued by any airline;
• number 3 belongs to the entertainment and tourism sectors;
• 4 and 5 are banks and financial institutions. Credit card numbers start 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;
• the number 6 means that the card was issued under the patronage of companies from the banking or trade sector;
• 7 are oil companies;
• the number 8 belongs to companies associated with the television industry;
• the number 9 means that the card was made for government agencies.

1. The numbers from the first to the sixth can give 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 learn more about the payment system on the official website of the bank or from its representatives.
3. Also, an individual code begins with the seventh digit, which belongs to a specific person and can become the key to information about the cardholder. The individual code ends with the 15th digit inclusive.
4. The sixteenth digit is a test.

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

Finding out the owner of the card by card number is a rather troublesome and complicated matter. The point is that in banking There are many loopholes and bugs. Fraudsters, in turn, if they have 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 are trying 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 information of the owner, only a specialist can decipher it. If you accidentally found a bank card, then it will be very difficult to find out the owner on your own. 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 conventional bank cards with magnetic tape, and contain much more information. But they don't require user identification and verification of the owner's identity, so finding out whose it is will be even more difficult.

How to protect yourself

Although the protection systems work with a bang, nevertheless there are threats. For any action there will always be a reaction. So programmers write best programs protection, and hackers, in turn, hack them. Now you can pay with bank cards almost everywhere, and many people use it, because it is convenient and fast.

One of the most popular types of shopping right now is online shopping. And it is in this case that credit cards are used most often. Unfortunately, many servers store data, including information from bank cards. Sometimes - almost in the public domain, and everyone 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 shopping, and the third is for storing personal funds. It is better to issue credit cards in large well-known banks. They are in every possible way interested in preserving the image and clientele, so they try to do everything at the highest level.

If you make purchases on sites, 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.

Unfortunately, it is impossible to find out the full installation data of the owner of the Sberbank card, to whom, for example, money was unsuccessfully transferred. In this case, you can only find out "First Name, Patronymic" and the letter with which the "Last Name" begins. Such an operation can be done by using the Sberbank online system. To do this, a transfer is initiated from your card to another bank card of Sberbank. The "recipient" is displayed in the electronic field, as well as the above data. Moreover, confirmation of the transfer of funds is not made.

You should look at the necessary data and cancel payment transaction, after which the interested person will have at least some initial data for the search, and the real name of the owner can be found thanks to social networks.

On obtaining information about the cardholder in Sberbank itself

Most bank customers judge among themselves that you can find out the recipient's data at any bank branch. However, this information is not true, because on the territory of the Russian Federation there is a law "On banking secrecy”, according to which it is forbidden to disclose any customer data to employees financial institution. Therefore, no matter what attempts the potential client of the bank makes, nothing will be found out.

Only the police can make a request for information. Therefore, in the event of unpleasant situations, it is necessary to block the card and report the situation to law enforcement agencies in detail, and before implementing suspicious transaction it is necessary to think carefully about everything, and only then act. In other words, all the information you are interested in about the owner of the Sberbank card by its number can only be obtained by contacting law enforcement agencies.

As a rule, all information about yourself provided by the client to Sberbank is confidential and not subject to disclosure. For this reason, you can not just come to the bank to the manager.

As a rule, all information about yourself provided by the client to Sberbank is confidential and not subject to disclosure. For this reason, you can’t just come to the bank to the manager, tell him the card number and get information about the full name of the owner. However, this does not mean at all that it is impossible to find out who owns a particular card.

Why would such information be needed?

Of course, there are people who find cards near ATMs, in stores, just on the street and express a desire to return them to their owners. However, the bulk of customers are interested in the data of the cardholder only for the reason that when making a transfer using the card number, make sure that the funds are sent in the right direction.

The surname, name and patronymic of the cardholder will be given to you at the cash desk when making the transfer after you name the number of the card to which you plan to make it, so that you make sure that the specified data are correct. Similar information about the cardholder can also be obtained during registration money transfer funds through the Sberbank Online system or through an ATM / terminal of the bank.