An example of a checking account. How many digits are in the current account, decoding

2024 Author: Howard Calhoun | [email protected]. Last modified: 2024-01-17 18:37

The opening of a bank account is requested for immediate access to perform actions with free cash: deposits and withdrawals of cash without limits, transactions for the necessary needs within the accumulated volume.

Such a way of manipulating money with people is commonly called a “demand account”. A popular action of a Russian citizen is to open a current account with Sberbank.

On paper forms or in electronic format, a person regularly encounters details at:

• opening an account;
• paying utility bills;
• payment for educational and medical services;
• paying property taxes;
• execution of pen alties.

When filling out numerous forms, the consumer uses the example of a current account.

Design Introduction

People do notcount how many digits in the current account. They simply copy the information from the sample laid out in the service room. The possibility of a technical error exists. A missed or over-entered figure turns the details into invalid information, and the form into a damaged sheet. Therefore, you should initially know that the subject under study consists of twenty digits.

To study an example of a current account, we will take information from the website of any commercial enterprise that:

• registered in the Russian Federation;
• is a client of Russian KFU;
• operates with the currency of payments - rubles.

The cumbersome sequence 407 02 810 3 7209 00 19522 provides the user with a set of interesting information about the payee. You just need to study the structure of the structure. Shown here is a grouping for ease of reference. In fact, all characters are written in forms without spaces.

Parameter structure

For convenience of explanation:

• divide the sequence into groups;
• number each cell;
• replace existing values with Latin letters.

1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	17	18	19	20
N	N	N	M	M	V	V	V	K	F	F	F	F	S	S	Z	Z	Z	Z	Z

So, the bank identifier looks like this:

NNNMMVVVKFFFFSSZZZZZ

Here, between groups, "asterisks" are placed for ease of study. In contracts, forms, receipts and payments, the sequence is recorded without intermediate characters. Specify:

NNN - cells 1, 2, 3; balance account number I;

MM - characters 4, 5; balance account number II;

VVV - signs 6, 7, 8; currency code;

K – ordinal position 9; verification key;

FFFF - numbers 10, 11, 12, 13; branch or branch of KFU;

SS - characters in cells 14, 15; account type;

XXXXX - characters from 16 to 20; front, domestic bank reference.

It doesn't matter in which bank the current account was opened by the recipient or payer: there are always twenty digits.

The concept of the owner

The first three characters of NNN contain information about the owner. The combinations are located in the range 102 - 705, where most of the codes are used within the bank or for interbank transactions:

• accounting for equity, funds, profits and losses of a credit institution is carried out on accounts starting with combinations 102 - 109;
• operations with precious metals and stones of the bank and its clients use triads 203 and 204;
• registers 301–329 are formed for interbank transactions; correspondent accounts begin with these combinations, denoted in documents by the abbreviation "k / s";
• transactions with securities are reflected in registers 501-526.

Fourth Office

Banks serve not only their own corporation, but also clients - individuals and legal entities. The opening of an account is accompanied by a notification of the assignment of a designation group by which the client is identified. For user operations, instruments have been created that begin with the number “4”:

• 401 - payments to the federal budget;
• 402 – replenishment of local and regional budgets;
• 403 - transactions with other funds of the Ministry of Finance and loans from foreign countries received and issued;
• 404 - a sign of social funds - pension, medical, social insurance;
• 405 and 406 - the founders of enterprises are federal or local authorities;
• 407 - a sign of commercial and non-profit organizations owned by privateindividuals and companies;
• 408 - other clients;
• 411-425 – for working with deposits of citizens and organizations placed in KFU;
• 430 and further - to account for KFU's internal operations.

The MM pair is used as an addition to NNN, clarifies information about the owner.

Code 407 indicates that the client is a non-governmental institution, and then there is a clarification:

• 40701 - credit institutions;
• 40702 - commercial structures;
• 40703– non-profit structures;
• 40704 - campaign wallet.

Conclusion 1. In the example considered at the beginning of the article, the current account begins with the combination 40702, which means a commercial structure owned by individuals and companies.

Currency interest

VVV - currency code in accordance with the all-Russian currency classifier. The Bank of Russia works with dozens of currencies. Most requested codes:

• 392 – yen;
• 792 - Turkish lira;
• 810 - Soviet (Russian) ruble;
• 826 – pound sterling;
• 840 – dollar;
• 978 – Euro.

Accounts of individuals in different currencies look like this:

• in rubles – 40817 810 500000012345.
• in dollars – 40817 840 601500067890.
• in euros – 40817 978 001250000014.

Conclusion 2. An example of a current account contains a combination of 810 - an indication of the ruble currency.

Checksum

"K" is the checksum, the verification key. Parameteris calculated according to the mathematical rules set out in the regulatory document of the Central Bank of the Russian Federation on the procedure for calculating the key.

If all symbols are entered correctly, then the processing result will match the control key.

Mismatch means that a typo or inaccuracy was made when filling in the details.

For lovers of mathematical charades, document No. 515 of September 08, 1997 is recommended for practice.

There are no branches without branches

The combination FFFF means the branch of KFU or its branch where the client opened an account. There are no cases of banks without branches in the country. KFU can be registered in Austria, and work on the basis of branches and branches in Russian cities. But if such a situation had developed, then zeros would have been in place of the tenth - thirteenth character.

The rules for the formation of the FFFF sequence are known only to authorized employees of the relevant credit financial institution and the Bank of Russia. Because these rules reflect a trade secret - the KFU Construction System.

Conclusion 3. In this example, the FFFF group has the value 7209. But the fact that this is a branch of Sberbank is known from the full bank details of the enterprise.

Internal dialing

The reader now knows how many digits are in the current account (twenty). It remains to consider the last seven digits of the set.

SS – ZZZZZ is the face number within the bank.

What is a personal account in the transcript applicationconcept being studied? This is a seven-digit group in digits 14 - 20. It is used to account for mutual payment transactions with citizens and institutions. Credit and cash transactions with a specific client are reflected here.

Two SS characters encrypt the type of personal account: on demand - ruble, currency, accumulative.

ZZZZZ is the defining sequence. The combination does not carry characterizing information. This is an internal system sequence number.

The Central Bank of the Russian Federation in 2017 issued regulation No. 579-P such that the personal account differs in numbering for budget, transit, reporting financial results and all other financial products.

In the budget bank account structure, the budget reporting symbol occupies cells 14 to 16. The ordinal index consists of four characters in cells seventeen to twentieth.

The transit account is marked with the number "1" in cell fourteen; characters from 15 to 20 - serial number.

Symbols about OFR occupy digits 14 - 18, and cells 19 - 20 are provided for local accounting.

Single picking rule

There is no unified approach to identifying a face number. Each KFU has its own layout for groups SS and ZZZZ.

The current account in Sberbank contains twenty digits, and bits 13 and 14 for the ruble object are assigned the value 00.

Conclusion 4. In the example given at the beginning of the article, cells 13 and 14 have the value 00, which means that the account is ruble on demand, not deposit and not accumulative.

Current account in "VTB" consists oftwenty characters. It is formed according to the same rules and instructions as for other Russian banks. The only difference is the facial number, digits from 14 to 20. Each KFU tries to protect information and comes up with its own encoding scheme.

Bank and card

To avoid confusion with the map, the information should be clarified:

• 20 characters – length of the cashless wallet number.
• 16 characters - the length of the bank card number.

These are not matching combinations and concepts. To work with a card with a presumable designation 1234 5678 9012 3456, the bank must open a twenty-digit account.

When filling out, the Client should carefully and carefully study the forms that are required (card or account details).

The share of non-cash wallets for one citizen is not standardized. A person can operate with several objects in a single bank or have one in the top twenty. These can be ruble, dollar or pound accounts.