What are bank details?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Bank details are a set of information required to perform various operations, for example, transferring funds, transferring mandatory payments, etc.

The importance of these data is extremely high. You need to fill in bank details very carefully. At best, errors can be detected by bank employees, then you will have to rewrite the payment order. At worst, the money will go to the wrong place. Of course, such a mistake can also be corrected by writing an application to the bank, but it will take a considerable amount of time to return the money, which is no longer possible to return. Moreover, if the transfer of mandatory payments that must be made at a certain time is erroneously, there may be a delay (its direct consequence is a fine).

What do bank details include? The main, without which it is impossible to carry out any operation, details are: BIC of the bank, name of the recipient's (sender's) bank, correspondent account. The following are the data that indicate a certain type of account: current account, TIN of the recipient (sender) and, of course, the recipient's personal data.

Let's take a closer look at the basic bank details. They indicate inwhich bank the account is opened to which the funds should be transferred. The BIC (or bank identification code) has nine digits, of which only the last seven are enough to know, since the code of any bank in Russia begins with the numbers 04. As a rule, in any bank, tellers should be able to "read" the necessary information on these numbers. Using this code, you can set the city in which the bank you need is located, and the time of its opening (registration and issuance of a license). The correspondent account indicates the account number of the bank you need in the Bank of Russia. The accounts of all institutions are identical, only four digits change (the last three and the ninth).

What are bank card details? This is the information required to conduct monetary transactions with your card. For example, replenishment of an account, transfer of funds from one card to another, transfer of wages and other receipts. What do the bank details for the card include? This includes: TIN, KPP, OKPO, current account, correspondent account, BIC and personal account number. These are all the details required mainly for the transfer of wages, transfers. And the main details of a bank card are: a personal account - for making money transactions and a PIN code - for identifying your identity.

How can I find out bank details? Ways - a lot! The first and easiest is to look at the envelope in which the plastic card was located. Although the bank immediately warns that the envelope is bestdestroy so that the PIN does not fall into the wrong hands. If you got rid of the envelope, then you should look at the details on the bank's website. But, of course, you will not recognize the personal account here. Only details are available. In this case, you can call the phone number indicated on the back of the plastic card. Just write down the numbers very carefully! Another way is to go to any branch of your bank. Here you will be told and shown everything!