To find out the owner of the vtb card number. How to find out the owner by the Sberbank card number? Security of mobile and online services
Most citizens are used to purchasing goods or paying for services without leaving their homes. After all, it is extremely convenient, besides, on the Internet trading platform you can find many goods at a low cost. When making online transactions, the buyer does not see the seller personally and does not know any information about him. For this reason, there is a risk, and fraud in this area is not uncommon.
Often there is a need to find out the owner of the card due to unreceived purchases. That is, the goods were paid for, but never reached the addressee. A significant part of the population chooses Sberbank banking products and there are many reasons for this. It is a large banking organization in Russia. Card-to-card transactions are carried out instantly, which attracts new customers. And you can withdraw funds from the plastic account at any terminal of Sberbank, there are a large number of them anywhere in the Russian Federation.
The Sberbank card itself stores a lot of useful information about its owner. However, a banking institution cannot independently issue information about its holder without a corresponding resolution. If an employee of Sberbank informs an outside citizen information about a client, he is subject to administrative punishment. For this reason, it becomes unclear how to find a person using the Sberbank card number.
Obtaining information about the cardholder at the bank
A significant part of the population is mistaken that it is possible to find out the owner of the plastic at a bank branch. Then, how to find out the owner of the Sberbank card by its number. As mentioned earlier, the employee has no right to give anyone the customer data of the banking product. This is not due to the personal unwillingness of the bank, but there is a law that regulates the legal relationship between the banking structure and the citizen. There is an article 26 in the federal banking law, which says about banking secrecy.
Therefore, any accredited financial institution has no legal right to disclose information about its clients. In addition, it has no legal basis to transfer information about the movement of funds in a savings account to third parties.
Important. There is an exception, information is provided by Sberbank at the request of officials.
From this we can conclude that the banking structure is obliged to keep secrecy about the owners of savings accounts, not to disclose personal information to unfamiliar citizens, in particular, this concerns the first name, last name and patronymic. It turns out that it is impossible to find out the owner by the Sberbank card number. But what should the deceived party do, and what information can be found out on their own.
Why do you need to find out information about the owner of the Sberbank bank card
There are several reasons why it is necessary to identify the owner of the plastic. Such information may be needed to establish the identity of an incorrectly made transfer of funds. Very often the person himself is to blame, because when making a transaction through a terminal or a mobile application, a special window appears, in which the full name and patronymic are indicated, and the surname is reduced to one letter. If the person does not know the recipient, then it is better not to complete the procedure. If the initials are incorrect, it is advisable to re-enter the number of the Sberbank plastic product.
In addition, it is necessary to find out the owner of the card when it is lost. That is, a citizen has found plastic and wants to return it to its owner. You can read the data on the front side of the banking product. But if you find someone else's card, it is better to transfer it to the bank, and he will already contact the owner of the credit card. You do not need to look for the holder of the Sberbank plastic product yourself.
How to find out the owner by the Sberbank card number
As already mentioned, the bank does not provide any information to third parties. In fact, all personal data is contained in the number, which can be viewed on the front side of the plastic.
The first digit of the number indicates that the banking product belongs to the international payment system. So, for example, Visa starts with the number 4, and the Mastercard starts with 5. But American Express starts with the number 3. The following numbers on the plastic mean the bank, that is, they identify the division that issued the product to the owner. The bin is encrypted from the second to the sixth digit. The seventh and eighth digits indicate the belonging to the selected banking product. It is understood in what currency the savings account is opened, and it also refers to the credit or debit product of the bank. The information about the owner of the Sberbank card itself is encrypted from the ninth to the fifteenth. But this information is available only to employees of a banking organization, it is simply impossible to find out the initials by them. The last digit on the plastic indicates the period of its validity, with a certain mathematical calculation, the shelf life of a bank credit card is 16 digits on it.
It turns out that the answer to the question as to the number of the Sberbank plastic card, it is simply not possible to find out the owner of the card. But a citizen can, with the help of certain numbers, find out when it was issued and in which department.
How to find a person by Sberbank card number
If you know the bank card number, you can try to find out the name and patronymic of the citizen. For this, you can use the remote method. To find out some information about the owner, you need to make a transaction to his account.
There are two transfer options, the first is through Sberbank online. On the official website, you can send funds. After entering the number of a known card, the bank will issue a name and patronymic, as well as the first letter of the last name to whom the transfer is made. In the same way, you can find out the data if you make a transaction through the number 900. In the message, the bank will send certain data to the cardholder.
There is only one legal way to find a person by the number of a Sberbank plastic card.
Important. If funds were debited from the account in an illegal way, law enforcement officers will help to identify the person. In this case, you need to take a detailed statement of your account and write a statement to the local police.
On the basis of the initiation of a criminal case, they have the right to demand from the banking organization to provide confidential information about the client. After the identification of the person, the search actions begin. In this case, there is a chance to get your money back.
Of course, you can resort to an illegal method of obtaining information on a plastic card. There are sites on the global web that promise to provide information about the client for a certain fee. Often, these Internet resources are scammers, they write off funds, but they do not provide information. Also, databases on the owners of banking products are sold on the black market. However, this is illegal extraction of data about the owner and there is a penalty for this.
What to do in case of incorrect translation
Man is not a computer and has the right to make mistakes. When translating, even one incorrectly written number leads to the fact that the money goes to another account and to an unknown person. You cannot find out who the translation was sent to on your own. But the problem can be solved. To do this, you need to come to a bank branch or call the Sberbank hotline. The employee of the bank branch must explain the whole situation, that there was an error in the transaction and there is a desire to return the funds to your account.
The bank employee clarifies the necessary information, looks at what can be found by the Sberbank card number, and then sends a message to the owner of the credit card. In it, the bank notifies the client that funds were mistakenly credited to his account and indicates the amount. The bank also notifies that it is necessary to return these funds to the rightful owner. However, not all citizens are ready to return money. Then there remains one method of returning them, to write a statement to the court. And already in court to try to return their own savings. Sberbank on its own cannot write off them from the client's account, only by a court order.
Security measures
Of course, the banking system monitors security, but no one can provide a complete guarantee of protection. This is due to the fact that technology is improving, and hackers are inventing new ways to cheat on cards.
To protect yourself, it is better to order several cards from Sberbank. For example, one can only be used to receive monthly pension or salary payments. Another card can only be used for purchases in online stores. And use the third plastic as a savings card and not make any transactions with it. After all, Internet resources store data on all transfers, and if a trading platform is hacked, all information can fall into the hands of intruders.
Important. When a bank client begins to notice the loss of insignificant amounts, it is necessary to request detailed details on the current account at the bank branch. Then there is an opportunity to find out where the funds are going and take protective measures.
If the card is lost or stolen, immediately contact the bank and block it. This is done by visiting Sberbank or by the contact number of the call center.
Just like that, bank employees will not allow you to find out who owns the card. For this reason, great care must be taken when working on it. And not to disclose your data to strangers, and also you cannot disclose the numbers that are located on the back of the Sberbank plastic card. To confirm the transaction, a one-time password is sent, it is also strictly forbidden to call it to anyone.
Many owners of plastic cards never think that their payment instrument is tied to an account. If a client uses debit plastic or credit card to pay for goods in a supermarket, services, fines, mobile communications and other services, then most likely he will not need an account number.
But sometimes money needs to be transferred not to the card, but to the account number. In this case, you cannot do with additional details.
First of all, a personal account is required to make a money transfer. It should not be confused with the set of numbers on the front side of the plastic, since the latter is No.
Why a client might need an account number. The fact is that direct transfers by number are not always available. In addition, the cost of a transaction between card accounts of different banks can be quite high.
Features of l / s client:
- consists of 20 digits;
- is not displayed on the payment instrument;
- does not change after the release of new plastic.
In turn, after the expiration of the validity period of the plastic carrier, the client receives a new payment instrument, which has a completely different No. That is, after the re-release, the l / s, in contrast to the plastic number, remains the same.
When making a payment or for other purposes, a person may need a payment instrument or account number.
Information about the details is confidential, so how to find out the Sberbank card number by last nameonly its owner can.
It should be noted that most often the sender needs the following data to receive money:
- No. of plastic;
- No. l / s;
- to / from the bank.
To obtain a personal card account, you can use the following methods:
- find a service agreement for a payment instrument;
- log into Sberbank-Online and get the data. The service is provided free of charge;
- use mobile banking;
- find out the number by telephone from the bank employees.
Customers who indicated their e-mail when receiving plastic can receive payment details for it. To do this, you need to send an appropriate request.
When contacting bank managers remotely, namely by telephone, the client will need to name the code word. Therefore, if a person is interested, is it possible to find out the card number by last name, you need to go through personal identification.
Sberbank and other financial institutions strictly approach the issue of preserving personal information. If the cardholder has forgotten the code word, then he can receive payment details in other ways.
After entering the pin code and going to the "Details" submenu, the plastic owner gets full access to payment details, including the bank identifier and bank account.
The easiest way to allow find out the card number by the owner's surname, for most Russians, it consists of visiting a bank branch.
To do this, you need to present your passport and ask to print the data. If the client uses international transfers, an additional code is required - SWIFT.
The data remains valid until the l / s is closed. The service is provided free of charge.
Today, many Russian citizens have a plastic card from VTB Bank. Some keep their savings on it, others receive their wages on it. With plastic, you can pay in stores, pay for purchases via the Internet, transfer money to another user's account.
It should be noted that the VTB card is a very reliable payment instrument, so there is no point in worrying about the safety of funds. Banking organizations and security personnel reliably protect the owners' data from VKontakte scammers and thieves. However, sometimes it becomes necessary to find out who owns the card, for example, when a VTB card is found. Whether it is possible to do this, and how to find out the owner by the VTB card number, we will analyze in this article.
Requisites
Each plastic card has several required details. The main one is the number. In addition to him, the map also shows:
- surname and name of the owner in Latin letters;
- month and year for which the card is valid;
- three-digit code (CVV2 or CVC2) on the back.
By these details, you can find out who the VTB card is issued to. Therefore, plastic should not be shown to unauthorized persons.
If the card was lost, then you can find out your details in the contract, which is issued by the bank employee when processing plastic. You can also find out this information at a VTB branch, ATM or online bank through your personal account.
Card number
The main requisite of a plastic card is the number on its front side. It has a multi-digit look and is unique to each plastic. Using this number, the card is linked to the VTB bank account. In addition, the digits of the number are carriers of information about the holder of the plastic and the financial institution:
Digit number | Value |
---|---|
1 | Defines the payment system. For example, if the first digit is 4, then the card belongs to Visa, if 5 is MasterCard, if 3 is American Express. |
01.06.2018 | These numbers allow you to find out the bank in which the card is registered. Therefore, they are also called bank identifiers. |
07.08.2018 | They carry information about the banking program under which the plastic was issued. |
01.09.2015 | These are unique numbers that can be used to identify the cardholder. However, all the user's personal data is protected by law, so it will not be possible to find out them. |
16 | The last figure does not contain any information about the credit institution or holder. |
If the card is badly deformed and the unique number is damaged, you should contact the VTB branch to replace the card. They will issue a temporary number so that the user can pay on the Internet.
The legislative framework
The Banking Secrecy Law contains information that the bank does not have the right to disclose information about its customers to third parties. Also, the bank, observing the credit instructions, cannot transfer data on the movement of finance and the amount of funds. Only officials can get them. Therefore, it is impossible to find out who owns the card from a VTB employee.
Ways to find out the identity of the owner of the name card
Very often there are situations when, with a non-cash payment, money was transferred to the wrong account or someone else's card was found. There is a natural desire to find the data and details of its owner. However, it is quite difficult to do this, they rarely find the owner of the plastic without outside help.
Immediately it is worth stipulating that you cannot find out the full name. The only thing is that you can punch his name, patronymic and the first letter of the last name through the VTB-Online service, by initiating a transfer to his account. The required information will appear in the "Recipient" column (it is not at all necessary to confirm the transaction, after the data has been received, it can be canceled). After that, you can try to find a person through social networks, and then contact him and explain the situation.
Today, there are also various services that search for people. To find a person in this way is to cross the line of the law. The fact is that they contain information obtained in a fraudulent way. Using this resource, you can find out not only the full name of a person, but also his residence address and mobile phone number.
It should be noted that in addition to plastic with a magnetic tape, plastic with a microchip began to appear. Such cards are distinguished by high functionality, and their main feature is that they do not require user identification and verification of the holder's identity. Therefore, it is basically impossible to find out its owner on your own.
What to do when transferring funds to the wrong place?
If you made an erroneous payment, you should not search for the cardholder by all legal and illegal methods. It is best to call the bank and explain the situation. Using the transaction number, the bank will send the recipient of the funds a request to transfer them to the sender's account.
In the event that the recipient refused to comply with the request, and we are talking about a fairly large amount, the only way out is to contact the police and write a statement. Law enforcement agencies are not covered by the secrecy law, so they may request information from the bank during the proceedings. In the future, the issue is resolved in court.
What to do in case of fraud?
Very often VTB cardholders fall for the bait of scammers: a fake seller creates a page where he sells a product or offers a service. A prerequisite is making an advance payment. Then he attracts buyers, takes money from them, and then disappears. In this case, it is also worth contacting law enforcement agencies and write a statement. You can add some documents to it, for example, a receipt or a printout of correspondence with the seller. Afterwards, you can contact the bank branch with a copy of the application. Both the police and the financial institution will take all necessary measures, but they will not give a guarantee.
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The digital card number contains encrypted information about its owner and credit institution. However, it will not be possible to find out the data about the holder in a legal way. VTB employees do not have the right to disclose confidential information to unauthorized persons, as prescribed by the Bank Secrecy Law. Therefore, in the event that the funds were transferred to the wrong place or you became a victim of a fraudster, it is better to immediately contact the police, and not look for whose card it is. The first thing to do if you find someone else's VTB card is to take it to a bank branch.
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It happens that the owners of bank cards transfer funds to strangers, not suspecting them of fraud. Unfortunately, this happens quite often: unscrupulous sellers create a website or publish an ad, with the help of which they are trying to sell various kinds of goods or services on a prepaid basis. Then they attract buyers, collect money from them and safely disappear, while removing 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, with the exception of the card number to which he successfully transferred his money. What to do in this case?
How do I find the cardholder?
All information provided by the client to the Bank when 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, usually the first and last four combinations of digits of the card number are displayed, as well as the owner's identity and the first letter of his last name, or through ATMs / terminals. But what will it do?
Therefore, in this situation, it would be most correct to immediately contact the police (with checks confirming the transfer of money, correspondence with scammers, etc.), write a statement about the incident, and then also turn to the bank for help.
Both the police and the bank will accept and consider the application, but they will not be able to give guarantees that the money will return to its owner. You should also be prepared in advance that the investigation may take more than one month.
If you transferred money to the wrong number, then there is a natural desire to figure out how to recognize the owner by the card number in order to contact him and return the money. But it's not that simple. Let's consider the situation using the example of Sberbank.
How to find out the full name of the cardholder?
In fact, you will not be able to find out the full name, surname and patronymic of the Sberbank card to which you unsuccessfully transferred money. You can only find out the name and patronymic of the cardholder, as well as the letter with which his surname begins.
This is done using the Sberbank Online system. It is enough to initiate a transfer from your card to another bank card of Sberbank, then what will be displayed in the “recipient” column is the name and patronymic of its owner. In this case, it is not necessary to complete the transfer of funds, you can view the necessary data and cancel the operation.
You will have at least some real data of the card holder, as well as the first letter of his last name, based on which you can find or pick up the real name of the card holder through social networks (if any other information is known).
Getting information from the bank
Some Sberbank clients think that you can find out the details of the recipient of funds on the card at the bank branch. But this is fundamentally incorrect information, since in the Russian Federation there is a law on bank secrecy and the personal data of clients cannot be disclosed to employees of financial institutions.
Therefore, no matter how you ask to name the name of the person to whose card the money was transferred, the Sberbank employee will not do this.
Only the police can request information about the cardholder, if required during the proceedings. Therefore, we recommend that you, in the event of falling into the hands of scammers, do not search for a criminal, but seek help from law enforcement agencies.
What can be found by the number?
Although you cannot find out your full name by the number, you can find out other information about the owner by the card number, which is not secret and is encrypted in the number.
- The first digit identifies the payment system. If it is 4, then the card belongs to the Visa payment system, if 5 - to the Mastercard system. There are other systems, for example, 3 is American Express.
- The numbers from the first to the sixth allow you to identify the bank and are called the bank identifier or BIN.
- The seventh and eighth digits are the bank's program, according to which the card was issued.
- The numbers from the ninth to the fifteenth are already the numbers related to the user's personal data. They are unique and allow you to identify the owner of the card. But they do not give out information about his name or surname, so they are not a method to find out the owner by the card number
- The sixteenth digit does not carry any information at all related to whose card it is. It is only used to check if the plastic number is correct.
As a result, it is impossible to find out the owner by the card number in this way, but it is really possible to find out information about the bank in which the plastic was issued, which can be useful.
How can you find out your full name?
Although there are no legitimate ways to find out the owner by card number, there are always illegal ones. For example, if the site where you store your payment card information is hacked, attackers can, among other things, steal your payment information and cardholder data.
On illegal sites, databases of such cards can be distributed, which can be used to break through any information about their holder, including address and full name. This is the only real way to find out a phone number on a Sberbank card, but it is outside the scope of the law.
Therefore, it is strongly recommended to register a separate payment card for online payments (for example, you can issue a virtual one) in order to secure your payments. It may be problematic to find a person by Sberbank card number, but in some cases it is quite easy for fraudsters to make payments from his account.
What to do in case of incorrect translation?
If the reason is precisely that you transferred money to the wrong number, then you do not need to figure out how to find out the cardholder by the Sberbank card number. You just need to call the Sberbank hotline, explain the situation and indicate the transaction number indicated by the ATM or Internet bank during the transfer. After that, the recipient will be sent a request to transfer the money to the one who sent it. If a person does not want to commit it, then you can later claim money in court, having previously written a statement to the police.