What does the bank's bick mean. What is bik
Transfers using bank cards have become a common procedure. For this, it is enough to know the numbers of your own plastic and the recipient. This is possible only as long as the client does not have to carry out a full-fledged transfer between accounts, and especially when it comes to a third-party bank, and he is not aware of yours, and you will need to find out the BIC of the Sberbank card. The fact is that such operations require additional information. Otherwise, the payment will not work: the money will "hang" until the details of the operation are clarified. The code is required for currency transfers, purchases in foreign online stores, when transferring funds to the accounts of financial institutions.
To carry out certain operations, you need to know the identifier of the credit institution
A bank identification code is a set of numbers that identifies a particular financial institution in the general list of banks in the country. The bank's BIK is not tied to the Sberbank card, it is not an affiliation and, accordingly, an individual code of each current account: it is assigned only to the organization. The identification code identifies the affiliation of an account, card or credit product issued by a particular bank.
In other words, the bank identification code will be the same for checking and correspondent accounts, credit and debit cards, if they are all issued by the same issuing bank.
It should be noted that it has several branches and each of them has its own details. For this reason, it is imperative to find out the code of the branch where the client is served before making a transaction.
When do you need to know the BIC of a Sberbank card?
This identifier may be needed in the following cases:
- when carrying out currency transfers. Which is quite logical - a foreign bank should clearly see the details of the bank branch to which the payment is sent. Otherwise, it is not possible to carry out the transaction without identifying the receiving bank;
- when making transfers to settlement accounts of third-party banks;
- when making purchases in online stores. The code will be needed if a full-fledged transfer is carried out, for example, from plastic to the company's current account.
6 ways to find out BIC cards
There are several options for obtaining information about the bank identification code. You can use any of them, depending on the situation.
In the card opening agreement
If you need to find out the identifier, then the client needs to "pick up" all the documents received with the card, in particular, the service contract. Usually all data is located on the last page of the document.
The annex to the agreement contains all the necessary informationOnline on the Sberbank website
The Internet. In this situation, the information posted on the bank's official web page will come to the rescue. It is important to pay attention to the fact that full details, including the BIC and the Sberbank card account, can be found only in the regional section, changing the city (Moscow is listed by default) to the desired one (where the product was issued) - and for this you do not need to enter Personal cabinet.
Go to the Details tab and click "Details" to find the ID
Personal account Sberbank Online
Remote customer service system. If the user has several cards, then you need to select the one with which the transfer or other operation will be carried out. And find the data of the corresponding account (usually they are located in the "Detailed information" tab).
Step 1. Find the required card product
Click on the desired card
We select the tab “Information on the card”, here you will see your product. If you need all the data for the transfer, then click on the appropriate button.
Select the Map Information tab
The most complete information on your banking product is contained on this page.
Step 3. All data will appear in the window that opens, including the code.
A window with the required information opensHotline phone
You can find out the BIC and account number of the Sberbank card by calling the hotline. In this case, the operator does not request control information on plastic: the bank details are publicly available and anyone can get them. But if individual data is needed, then in this case the client will need to provide control information on plastic. Get ready for this.
At the bank branch
With a direct visit to the bank branch. An operating room specialist of any branch or a consultant will always be able to provide all bank codes, including the BIK. However, this method is not entirely suitable for those clients who have a fairly busy schedule and find it difficult to find a few minutes to visit a bank branch. The best option can be either a call directly to the branch, or a visit on a sufficiently important issue, during which it is possible to obtain bank details. Also, this option is also suitable for those who are not a client of the bank, but transactions are necessary.
In the mobile app
In the mobile application of the service for iOS and Android, you can get similar information about your product.
Among the card products, select the desired one and click "Show details" Please note that from the mobile application you can save your data to your phone or send it by SMS or emailFrequently asked Questions
Is it possible to determine the BIK of Sberbank by card number?
It often happens that there is no Internet or telephone at hand, but the transfer needs to be sent, and the client starts looking for ways to determine the bank identification code using his card details. It is worth knowing that such attempts are not justified, and none, except for the options described above, provides such an opportunity. If the client is in a third-party bank and needs an identifier to make a transfer or other operation, then only one of the above methods is optimal for him.
What can you advise in such a situation?
Alternatively, install the service's mobile application on a smartphone. This allows you to perform the same functions as in the web version at an ATM and a self-service terminal. The disadvantage of this option is that it takes a significant amount of time. If the client is not registered in this system, he will not be able to simply install the application - he will need identification through an ATM.
Conclusion
The bank identification code is not used for regular funds transfers. But his knowledge will be needed when making payments to other accounts in online stores or in foreign exchange transactions. there are several ways to obtain this information. And the client has the right to choose exactly the one that suits him the most.
If you often turn to banking services, then you most likely have come across such a concept as BIC. But you probably have no idea what it means.
Bank identification code (BIC) is a mandatory requisite for any bank, it is for informational purposes. By it you can find out the division of the financial organization and its location.
For an ordinary user of banking services, it can be useful for making transfers, making payments from another bank and other operations.
General concept
Let's figure out what a bank's BIK is. Above, we have already deciphered this abbreviation as a bank identification code. It can be identified with passport data, but not for citizens, but for financial organizations. It is one of the important details of every banking institution.
This code contains nine digits, or places. Each of them helps to determine the location of the bank and a specific division that provides clients with financial services and carries out cashless payments. All assigned BICs are entered in a special directory of the Central Bank, which is updated annually.
What is the BIC of the beneficiary bank? This concept is often found in payment documents. This is the bank identification code of the beneficiary's bank, according to the "BIK Directory".
Structure
As already mentioned, the numbers in the BIK carry informational load. So, the first and second digits determine the bank's belonging to a particular country (04 is Russia). The next two digits are the OKTMO region code of the Russian Federation. If they are both equal to zero, then this indicates the location of the organization outside the Russian Federation.
The next two (5 and 6) designate a division of a financial organization or a territorial division of the Central Bank.
The last three numbers determine the conditional number of the financial institution in the register of the Central Bank. They are identical with the last digits of the bank's correspondent account. If all three numbers are equal to zero, then this is the settlement and cash center of the Central Bank of the Russian Federation. Number 001 was assigned to the head cash settlement center, and 002 to other structural divisions of the Central Bank.
Thus, the BIK structure helps to answer the following questions:
- Where is the bank or its structural divisions located?
- When was the bank or its subdivision registered (the number is assigned in order)?
How to find out the bank's BIK?
We have defined what a bank's BIK is. And how do you recognize him? There are two possible ways:
- by bank card number;
- by the number of the current account.
How to find out the bank's BIK by card number
You will not be able to find out this information in this way, you also need an envelope with a PIN code, which you received at the bank along with the card. There are all the details of the issuing financial institution.
If the envelope has been lost, you can use the bank's hotline to verify its BIC. But be prepared for the fact that you will be asked for the card number, the code word for it, passport details and the exact location of the bank branch where the card was issued to you.
But not all banking institutions have their own "hot line", especially for regional branches. In this case, you can personally visit the bank you are interested in or refer to its website.
Find out the BIK by the number of the current account
This can be done, but only by personally visiting the bank with a passport. However, if the name of the financial institution in which the account is serviced is known, then the BIC can be found by referring to the Central Bank website. There you will find information about all banks and their details.
So, you decided to turn to the website of the Central Bank of the Russian Federation for help. Let's consider the main stages of determining this element of the bank requisite. But it is worth considering that this method will work only when the name of the bank that serves the current account is known.
- First of all, we open the website of the Central Bank of the Russian Federation. To find it, you can use the search engine.
- On the first page, at the very top, we find the yellow button "Entire site".
- Next, we need the section "Information of the Interregional Information Processing Center of the Bank of Russia".
- Then we install the proposed by the site "Distribution of the software complex" BIK Directory ".
- Now you can search for the name of the bank that we need, and next to it, its BIC will be indicated.
The disadvantage of this search method is that it is time-consuming, since the names of the banks are listed not alphabetically, but by BIC.
How to determine the BIK of Sberbank of Russia and "Bank of Moscow"
First, let's find out what the BIK "Bank of Moscow" or Sberbank of Russia is.
The BIK of Sberbank of Russia will be separate for each of its branches, since each of them belongs to a different region of the Russian Federation. For the "Bank of Moscow" the same situation - each structural subdivision has its own BIK.
How to determine which BIC you need? Below you can see the main ways to get the right information. First of all, you need to carefully study the accompanying documents that the client receives when opening a current account (account opening agreement) or when issuing a plastic card (PIN envelope).
But it often happens that such documents are lost, it is difficult to find them among many other papers. There is an exit:
- Information regarding BIC can be found in any branch of these banks.
- You can call the hot line of Sberbank or Bank of Moscow, which operate around the clock.
- Such information must be posted on the official websites of banks.
- You can find out by contacting a bank specialist by e-mail.
Conclusion
By specifying the correct bank details in the documents, you can be sure that all banking operations will be successful. A correctly specified BIC will guarantee that money will move in the required direction. But even if the funds go to the wrong place, they can be returned. This takes time, strength and patience.
To carry out certain banking operations, you need to know such a requisite as the BIK of Sberbank. What exactly is this BIK needed for, and what is it like for Sberbank? Unlike the account number, it is not indicated on the card and it can be problematic to remember it. In this material, we will consider in detail how to find out the BIC, what this type of details consists of, what bank identification code your branch has.
What is a BIK bank and what is it for?
Many people often ask this question. Is there an urgent need for a bank's BIK in order to make money transfers? Isn't it easier to make a transfer in a few clicks? In fact, this requisite plays an important role in the functioning of the financial system.
BIK - Bank identification code is not intended for making transfers between accounts of the same bank. This is, first of all, an identifier that defines the code of the bank and its branches in the city.
BIK of the head office of Sberbank - 044525225
Each bank has its own code in the general register of financial institutions. BIC is necessary to determine by code the belonging of a debit or credit card to a particular bank. Thus, the sender of funds receives documentary evidence of the card's belonging to a particular bank. The digital code is the same for all cards, since some users prefer to have several at once: for a salary, for savings, for personal purposes.
What the BIK of Sberbank consists of - 044525225
This is 9, at first glance, random numbers. However, in fact, all these numbers have a certain meaning. Namely:
First two digits indicate the state in which the bank is located. For Russia it is 04.
Third and fourth digit denote the territorial code of the subject of the federation in which the bank branch is located, determined according to the official directory of objects of territorial significance
Fifth and sixth digit Is the designation of the bank branch number. Numerical designation ranges from 0 to 99.
Last three digits of BIK - the seventh, eighth and ninth denote the number of a specific bank branch in which an account is opened or some other operation is carried out.
To carry out financial transactions between subscribers of the same bank, it is not necessary to indicate the BIC. However, in some cases it is necessary. First of all, in order to:
- Conduct financial transactions internationally. To transfer money to an account in a foreign bank, you will need to indicate the BIC. The fact is that the identification codes of financial organizations can coincide, which, in due time, entails the risk of losing funds and transferring them to completely different accounts. In order to avoid such misunderstandings, it is recommended to indicate the BIC, since then the refund will be quite long.
- Transfer money from a Sberbank card to a card of another bank. This is necessary for the same reason, since the card numbers can be the same.
- To shop online. BIC must be indicated when transferring money to the company's current account. When transferring money to an electronic wallet, this need disappears.
How to find out Bik Sberbank by phone (contacting the support service)
It happens that the client needs to find out the bank's BIK, but the insert from the envelope with the card is missing, or there is no device at hand for accessing the Internet. You can find out the BIK by calling - 8-800-555-55-50. When the operator answers you, you can request a BIC. In this case, the operator will ask you for passport data, card number, or a code word you have invented (in case you lose your card or pin code). Also, the operator may ask you for the address of the branch where the card was received. After that, the BIK will be dictated to you. You can also ask to send you a code via SMS.
It is also possible to contact the support service by calling the standard number 900. A call to this number is available to those who have activated the "mobile bank" service.
How to find out Bik on the official website of Sberbank
You can also find out the BIC on the official website of Sberbank. On the main page, the city (by default) is Moscow. In this case, you will receive incorrect details if you do not live in Moscow. In the site settings, you need to change the city, since you can find out the BIC only in the regional section.
In the upper right corner of the Sberbank website, select your city
Now that everything is ready, it remains to open the "details" tab. ( https://www.sberbank.ru/ru/about/today/requisites) On the screen, after choosing the command "Details", the complete data will be displayed. Thus, you can find out the identification code of the regional branches of Sberbank. This will help to avoid various troubles in the case of confusion with identification codes.
How to find Bik on the Central Bank website
The Central Bank stores data on all domestic financial institutions. On this site you can find information about the details of all banks. You can find out the BIC and Sberbank details by following the following algorithm:
- Open the official website of the Central Bank of the Russian Federation at: https://www.cbr.ru/
- Once on the home page of the site, find a link with a yellow icon called "Entire site" to display detailed content
- Now it remains to find the information of the interregional center. Here you can find information about all regional offices and personal data processing centers
- When you select the link you want, you will be presented with several subheadings. Among them will be the "BIK Directory".
- Next, you will be prompted to install a special program on your computer or mobile device. With its help you can find the code of the regional branch of Sberbank
- Done! The directory is installed. Now it remains to find your bank code
You will also be asked to install other programs related to money transfers between domestic and foreign opponents. To transfer money internationally, it is necessary to install the SWIFT system.
How to find out Bik Sberbank by a payment card (information in an envelope)
By no means always, when opening a bank card, a client is handed an envelope with details. There is no envelope for Momentum card subscribers. Clients who receive a card on a general basis have a pin-envelope, where the code and BIC of Sberbank are indicated. For this reason, it is advisable to keep the envelope with all its contents as long as possible and keep it in a conspicuous place. The contents of the envelope can also be copied by photocopy.
This is useful: . How to make a translation quickly and reliably!
But if you have a Momentum card issued immediately after signing the contract, then you will not have an envelope. In addition, if the envelope is lost, it is also impossible to find the information. In this situation, the only way out is the agreement on the card issuance.
How to find out Bik Sberbank under the agreement
Bank debit and credit cards are issued strictly after the execution of an account opening agreement. The contract is provided in two copies, and one of them remains in the hands of the client.
There is a table on the last page of the agreement, which reflects the detailed details. It is located at the very bottom, where, in addition to the TIN and other data, the bank's BIK is also indicated.
How to find out the bank identification code of Sberbank through a mobile application
When you connect a mobile bank, employees will ask you to create an account in the Sberbank Online application. You can enter your personal account from a stationary PC or through a mobile application. It is quite easy to find out the BIK of Sberbank through your personal account. To do this, you need to perform the following algorithm:
- Open the Sberbank Online website or the corresponding mobile application. If you have several cards registered, you must select the one that you use to carry out currency transactions.
- After opening the mobile application, select the "Detailed Information" tab.
- In the tab that opens, select the link "Information on the card".
- Several links will open for you. Click on the "Card Transfer Details" menu.
- In the newly opened window, detailed details will be displayed, including the BIK of the bank, including the address of the branch where the bank card was issued
In the "Personal Account" you will find all the information you need. Site navigation is quite convenient, and even novice users can master it.
Useful video:
https://www.youtube.com/watch?v\u003delPgbYq8VRo Video can’t be loaded: The work of a consultant at Sberbank (https://www.youtube.com/watch?v\u003delPgbYq8VRo)
How to find out Bik Sberbank by visiting a branch of Sberbank
At a bank branch, you just need to get the details you need. To do this, provide the employee with a card and passport. Do not forget to check the number of copies you want to receive.
Identifying the details and printing them will take no more than a few minutes, however, in order not to stand in queues for this, we recommend that you find out and come at the right time - at the hours when there is the least load. There you can also ask to issue you an account to enter your personal account and connect the "Mobile Bank". Thus, it will be easier for you to find out the details of your bank card.
The BIC does not need to be indicated when transferring funds to a Sberbank client, however, to send funds to a card connected to another bank, or for international financial transactions, this detail is required. It is also necessary to comply with all formalities when ordering the transfer of salary to a bank account.
As mentioned above, BIK and Requisites are not the same thing. Therefore, here are the full bank details for the Moscow branch:
This is useful: as well as other ways!
Bik regional branches of Sberbank
Structurally, Sberbank is divided into 14 geographical divisions, which include 83 districts and regions. In total, 62 branches of Sberbank have their own BIC
Bic of regional divisions and branches of Sberbank:
BIK of the Baikal Bank of PJSC Sberbank of Russia: 042520607
Consists of Chita, Buryat and Yakutsk branches
BIK Volgo Vyatskiy Bank PJSC Sberbank of Russia: 042202603
Consists of Vladimirskiy, Kirovskiy, Mordovskiy, Chuvashskiy branches, as well as branches of Mari El and Bank of Tatarstan
BIK of the Far Eastern Bank of PJSC Sberbank of Russia: 040813608
This includes Primorskoye, Blagoveshchenskoye, Yuzhno-Sakhalinskoye, Birobidzhanskoye, North-Eastern, Kamchatka and Chukotka branches
BIK of the West Siberian Bank of PJSC Sberbank of the Russian Federation: 047102651
This includes the Salekhard, Omsk, Khanty-Mansiysk branches
BIK West Ural Bank of PJSC Sberbank of the Russian Federation: 045773603
There are two branches - Komi and Udmurtskoe
BIK of Povolzhsky Bank of PJSC Sberbank of the Russian Federation: 043601607
In the Volga region there are six branches of Sberbank, namely - Astrakhan, Saratov, Ulyanovsk, Volgograd, Orenburg, Penza
BIK of the Northern Bank of PJSC Sberbank of the Russian Federation: 047888670
There are five branches in the north - Arkhangelskoe, Kostromskoe, Vologda, Nenets, Ivanovskoe
BIK of the North-West Bank of PJSC Sberbank of the Russian Federation: 044030653
There are also five structural divisions here - Kaliningrad, Novgorod, Murmansk, Pskov and Karelskoe
BIK of Siberian Bank of PJSC Sberbank of the Russian Federation: 045004641
Sberbank has such branches in Siberia - Krasnoyarskoye, Abakanskoye, Altayskoye, Tomskoye, Kyzylskoye, Gorno-Altayskoye, Kemerovo
BIK of the Central Russian Bank of Sberbank of Russia: 044525225
There are six branches of Sberbank - Tula, Bryanskoe, Tverskoe, Ryazanskoe, Smolenskoe, Kaluga
BIK of the Ural Bank of Sberbank of Russia: 046577674
There are several branches in the Urals - Bashkir, Kurgan, Chelyabinsk
BIK of the Central Black Earth Bank of Sberbank of Russia: 042007681
There are five branches in the central region - Belgorodskoye, Lipetsk, Tambov, Kursk, Orlovskoe
BIK of the South-West Bank of Sberbank of Russia: 046015602
There are as many as 10 branches in the South-West region, namely - Adyghe, Ingush, Kabardino-Balkarian, Cherkess, Chechen, Kalmyk, Dagestan, North Ossetian, Stavropol, Krasnodar
BIK, or bank identification code, is assigned to each regional branch of the bank and the main representative office. Thus, the classification of all credit institutions is carried out, of which there are more than 600 in the general register. The BIC is necessary in order to make the details unique and to facilitate the process of interbank transfers.
In everyday use, the BIK of the bank is not necessary for the client and it is not necessary to memorize it. It will only be required to transfer a transfer to your account from a client of another bank or from an organization.
What is a BIK of a bank?
Sberbank, as a participant in the Russian credit market with a huge network of branches, receives a unique code for each regional office.
BIK is one of the main details that you need to transfer funds to an account from another bank. The nine-digit number is unique to each department.
How to find out the bank's BIK?
You cannot find out the BIK of Sberbank by the account number, as well as by the card number. Because these numbers serve to identify the customer, not the financial institution. The classification of accounts is carried out by the bank itself within its structural system - they do not depend in any way on the code of the credit institution.
But you can easily find out the BIK of Sberbank by the branch number. To do this, just go to the official website of the bank, click on the link "Branches and ATMs".
You can choose the address of the office where you received the card or enter the branch number (Sberbank writes the office number in the lower left corner of the card).
Sberbank branch number on a plastic card:
Do not try to look for where the BIK is located on the Sberbank card - you will not find such information.
Find BIC in "Sberbank Online"
There is another way where to find the BIC of a Sberbank card is. For registered users of the system, all information on accounts and cards is available, including details.
Go to the "Cards" menu, click the "Card Information" tab, the "Transfer details" link:
In a pop-up window, a card of details will appear, among which the BIC is mandatory.
Currently, any agreement between companies contains bank details, the main of which is the bank identification code. Why is it so necessary for a non-bank specialist to know what it is? First of all, this information is needed by the representatives of the companies for the correct execution of payments. After all, any mistake in the details can lead to the fact that the payment will go to the wrong credit institution, "hanging" as unclear. This will lengthen the time of the operation.
BIC on account details
What is BIC
What is a BIK of a bank? This requisite for a credit institution is like a passport for a person. it number, which contains 9 digits and is intended to identify the bank. It always begins with the number 04, which symbolizes its belonging to the Russian Federation. And then the numbers differ from each other. BIK of the bank - what is it in the details:
- Symbols 3-4 indicate the region of the bank's presence. It is defined by the OKTMO directory.
- Numbers 5-6 indicate the number of a subdivision of the settlement network or a territorial subdivision of the Bank of Russia. By these numbers, it is possible to determine who the credit institution was registered by.
- Symbols 7-9 are similar to the last digits of the credit institution's correspondent account number. At the same time, the numbers 000-002 indicate that the code belongs to the structures of the settlement network of the Central Bank of the Russian Federation. This number directly identifies the credit institution itself.
How many digits in the BIC do you need to know in order to notice if the details are incorrect.
What is BIK for?
It will help determine:
- the territorial location of the bank;
- the division of the Central Bank of the Russian Federation, which registered it and serves;
- the approximate date of registration of the branch.
In addition to the fact that the code is prescribed in contracts between counterparties, it is present directly in payment documents: payment orders, claims, letters of credit, etc. In particular, it is necessary to fill in such fields of documents as the recipient's bank and the sender's bank.
The bank's BIK is a necessary requisite when working with the 1C program, and banking programs: bank-client, Internet client. They also contain a built-in code guide that automatically checks the entered value, eliminating the possibility of error. Therefore, the specialist is advised to bring documents not on paper, but to send them in electronic form. This will speed up the payment process and eliminate the possibility of errors in the details.
Checking the identification code
The importance of what a BIK is in details is evidenced by the fact that it is established by the Central Bank of the Russian Federation. The process of its appropriation and use is regulated Bank of Russia Regulation No. 225-P, which was last revised in 2014. If you doubt the correctness of specifying the bank code in the details of the agreement, then use the online directory, which can be found on the official website of the Central Bank of the Russian Federation. When making international payments, a SWIFT code is used instead of a BIC.