How many digits are on the Sberbank card? Sberbank card number. Sberbank card - what do the numbers mean

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

When applying to Sberbank of Russia for financial services, the client will certainly be faced with a proposal to issue a bank plastic card. And having received it in his hands and carefully studying it, the inquisitive will want to know how many numbers are on the Sberbank card and what they mean.

Today it is unrealistic to imagine the functioning of the global banking system without cards. Plastic cards are an essential attribute of the daily life of almost every citizen.

International payment systems

International payment systems Visa, MasterCard, JCB, American Express, Diners Club operate through the system of cashless payments around the world. The popularity of the system is due to its simplicity, convenience and reliability. Simply put, many customers keep their savings in bank accounts linked to plastic cards. If it is necessary to pay, a person does not use cash, but a card from which he debits the amount required for payment. Sberbank cooperates with two paymentsystems are MasterCard and Visa.

Any payment system is an international association of banks. There is a certain set of rules for the functioning of the system, and all financial institutions are obliged to obey them. As a member of the payment system, the bank performs two functions. First: it issues plastic cards. The second: carries out their service. As a rule, the bank combines both of these functions.

Using bank cards

Regardless of how many digits there are on the Sberbank card, its presence enables its client to access various financial services, such as:

• payment for goods and services by bank transfer;
• cash withdrawal;
• receiving various information about the status and maintenance of the account;
• transfer money to another card or account and so on.

It is important that the use is carried out by the holder, however, the card itself remains the property of the bank.

Cashless payments are beneficial to all participants, since banks can continue to use customer funds that remain in the account. The client always has access to a larger amount than he could have with him in cash, moreover, the money is protected from theft. Recipients do not need to hire collectors, security guards, and so on to move and store funds, since the payment amounts are immediately credited to the account.

Thus, the payment system guarantees the execution of settlement operations betweenall participants in the system. A bank plastic card has become an instrument of the payment system.

What information is on the map

Sberbank bank card is an important tool of payment systems. Therefore, for the purpose of standardization, plastic cards issued by the institution have standardized parameters.

Any Sberbank card is a carrier of financial information. What the numbers on it and other data mean is clearly regulated. With their help, there is an opportunity:

• identify the industry and issuing bank, number, name of its holder;
• determine the bank's requirements related to servicing the card;
• authenticate the card and its holder even remotely.

The card must contain the following details without fail: number, term and code of its service, special data that the bank can use for authentication.

Standards for plastic cards

Sberbank of Russia issues several types of bank plastic cards related to Visa Classic and MasterCard Standard payment systems. Regardless of the fact that the cards differ from each other in terms of functionality, they all necessarily meet international standards in the field of plastic cards. Their characteristics are specified by ISO/IEC 7810.

How many digits are on the Sberbank card

Sberbank is one of the largest banks in Russia. According to the official web resource of the institution, the number of its clients has exceeded 800 thousand people. And manyhave at least one plastic card issued by the bank. And although all the cards look similar, each of them has its own number, different from the others. Consider the number of digits on the Sberbank card and what they mean.

The first digit defines the industry of the issuer. In the case of the banking sector, this could be the number 4, 5 or 6.

The next five digits are the issuer ID. In particular, they can be used to determine which payment system the card belongs to:

• 4 determines whether the card belongs to the Visa system;
• in the range from 51 to 55 - MasterCard;
• numbers 34 and 37 - American Express;
• Maestro starts at 6.

The remaining digits are the identification number of the client's account. Sometimes another number is added on the card, the last one, which acts as a verification number. To determine it, a special Luhn algorithm is used.

The number of digits in the number of different cards can be 13 and from 16 to 19. Old-style cards have 13 digits. Most of the plastic cards issued today have a 16-digit number. The 18-digit number on the Sberbank card is found on Maestro plastic cards. Cards with 19-digit numbers were most likely issued as additional cards to the main one.

Cards of Sberbank of Russia

There are two types of plastic cards issued by Sberbank of Russia: debit bank cards and credit cards. Many of them are similar in their parameters and the range of services offered. But this is only at first glance. In fact, all cardsdiffer from each other depending on the purpose assigned to them.

Visa Classic and MasterCard Standard cards are designed for people who often leave the state. With a large number of service outlets, they are very convenient for traveling.

Visa Gold and Gold MasterCard cards traditionally emphasize the holder's status for this kind of financial product. Plus they have a number of privileges and bonuses in comparison with others.

For payroll, pensions, scholarships, social payments, one of the most common cards is used - the Maestro-Sberbank card. How many digits its number contains, each owner can count. This information will be useful when transferring funds between cards, for identifying the holder, in case of contacting the customer service center. You can find out the card number, if it is not at hand, by calling the Sberbank hotline. True, in this case, you will have to answer a number of questions (to identify the client).

Safety

Many bank card holders are sure that by keeping the PIN code secret, they can protect themselves from the actions of fraudsters. Alas, this is not so. Naturally, the PIN code should not be disclosed to outsiders. However, this is not enough. In order to pay for goods on the Internet, it is enough to know how many digits are on the Sberbank card, what these numbers are, the expiration date of the card, and its security code. With this information, criminals can easily pay off other people's money. Therefore, any plastic holderbank card must understand that it is better to securely store all the information that is printed on it.