How to find the owner of a Sberbank card by number. Is it possible to find out the owner of the card by the card number. Chances of Success

Today, many Russian citizens have a plastic card from VTB Bank. Some keep their savings on it, others receive wages on it. Plastic can be used to pay in stores, pay for purchases via the Internet, transfer money to the account of another user.

It is worth noting that the VTB card is a very reliable payment instrument, so it makes no sense to worry about the safety of funds. Banking organizations and security personnel reliably protect 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. Is it 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 mandatory details. The main one is the number. In addition to it, 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.

Using these details, you can find out who the VTB card is issued to. Therefore, plastic cannot be shown to unauthorized persons.

If the card has been lost, then you can find out your details in the contract, which is issued by a bank employee when making plastic. You can also find out this information at a VTB branch, an ATM or an online bank through your personal account.

Card number

The main attribute of a plastic card is the number that is located 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 organization:

Digit number	Meaning
1	Specifies the payment system. For example, if the first digit is 4, then the card belongs to Visa, if 5 - MasterCard, if 3 - 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 by which the identity of the cardholder can be identified. However, all the user's personal data is protected by law, so it will not be possible to find out.
16	The last figure does not contain any data about the credit institution or the holder.

If the card is severely 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 online.

The legislative framework

The Law "On Bank Secrecy" contains information that the bank does not have the right to disclose information about its customers to third parties. Also, the bank, following the credit instructions, cannot transmit data on the movement of finances and the amount of funds. Only officials can receive 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 quite natural desire to find the data and details of its owner. However, it is quite difficult to do this, it is rare to find the owner of the plastic without outside help.

It’s worth mentioning right away that you won’t be able to find out the full name. The only thing is that you can break through his first name, patronymic and the first letter of his last name through the VTB-Online service, by initiating a transfer to his account. The required information will appear in the “Recipient” column (at the same time, it is not 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 are looking 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 by fraudulent means. Using this resource, you can find out not only the name of a person, but also the address of his residence and mobile phone number.

It is worth noting that in addition to plastic with a magnetic tape, plastic with a microchip began to appear. Such cards are highly functional, and their main feature is that they do not require user identification and verification of the holder's identity. Therefore, in principle, it is 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 look for the cardholder by all legal and illegal methods. It is best to call the bank and explain the situation. According to the transaction number, the bank will send a request to the recipient of funds 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 subject to the secrecy law, so they may request information from the bank during the course of the proceedings. In the future, the issue is resolved in court.

What to do in case of fraud?

Very often, VTB card holders fall for the bait of scammers: a fake seller creates a page where he sells a product or offers a service. A prerequisite is 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 writing a statement. You can add some documents to it, for example, a check or a printout of correspondence with the seller. After with a copy of the application, you can contact the bank branch. 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 organization. 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 third parties, as required by the law "On Bank Secrecy". 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 the 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 which they try to sell various kinds of goods or services in advance. Then they attract buyers, collect money from them and safely disappear, while deleting 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, except for the number of the card to which he successfully transferred his money. What to do in this case?

How to find the owner of the card?

All information provided by the client to the Bank upon 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, the first and last combinations of digits of the card number are usually displayed, as well as the owner's name and the first letter of his last name, or through ATMs/ terminals. But what will it give?

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 what happened, and then also turn to the bank for help.

Both the police and the bank will accept and consider the application, but they cannot give guarantees that the money will return to its owner. Also, you should be prepared in advance for the fact that the investigation may take more than one month.

Speed ​​and convenience - these are the main trends in the modern world. Those who develop tools that make our lives more comfortable are the first to see these trends. Getting money out of the wallet, counting the required amount, receiving and distributing the change - a rather large amount of time is spent on these operations. As a result, plastic bank cards appeared in our everyday life.

Since bank cards have become one of the most common means of making payments, fraudsters have begun to pay close attention to them. However, a set of measures aimed at protecting plastic cards and legislative norms allow bank card holders to be sure that information about them will not become the property of intruders. But sometimes there are situations when there is a need to establish who is the owner of the card.

The control of the activities of banking institutions is carried out in accordance with several laws. Among them and Federal Law No. 395-1. It establishes the procedure for conducting banking activities. Article 26 “On Bank Secrecy” states that institutions engaged in financial activities are prohibited from disclosing confidential information about their clients to anyone other than officials. From this it follows that the bank will not be able to find out who the owner of the card is.

Online services

There is an effective way to find out whose card is by its number. For this purpose, you should use the online services of banks. Using them, you should issue a money transfer to a card whose owner you want to know. You can perform this operation:

1. Go to online banking and create a request for a money transfer using a known card number. Before confirming the payment, the system will show information about who the money is being sent to. The next step is to cancel the transaction.
2. In a similar way, you can get information using a mobile bank. For this purpose, you should send the transfer amount to number 900 and the card number. The message received on the phone will contain information about the owner of the card to which you made the transfer.

Using this method, it is possible to find out the name and patronymic of the person who owns the card. From the surname, only the first letter will be known.

By the number that is on the card, you can determine which bank it is served by. In addition, it is possible to obtain information about which payment system the card is served by and its type - debit or credit.

Will the card number help identify its owner?

There is one method that does not contradict the law to establish the telephone number of the owner of a bank card by its number. However, it can also be used only when someone conducts transactions with funds in your account. In such a situation, you should first take an extract from the bank. This is necessary to find out where the money was transferred from your account. With this certificate, you need to contact the police and write a statement about the theft of funds. Police officers will ask the bank for information about the data of the citizen to whose account your money went.

At the present time, it is not possible to establish the phone number of a bank card owner by its identifier.

What information does the card number provide?

Despite the fact that the card number contains information about its owner, only a specialist can decipher it. In the case when you have found a bank card, it is advisable to give it to the bank. They'll track down the owner of the card.

At the same time, by card number, you can set information that is not confidential:

• The first digit indicates which payment system the card belongs to. The most popular: 5 - MasterCard; 4 - Visa; 3 - American Express;
• the first six digits make it possible to determine which bank services the card. They are also called BIN bank identifiers;
• 7 and 8 numbers indicate the banking program in accordance with which the cards were issued;
• 9 - 15 digits in which information about the owner of the card is encrypted. However, this information is encoded;
• the sixteenth digit is not associated with information about who uses the card. It is used when checking the card number match.

Therefore, the bank card number does not allow you to determine who is its owner. However, it makes it possible to determine which bank is served.

Despite the fact that there are no legal methods to determine who owns the card by its number, there are illegal ones. Underground sites can host databases of bank cards with all the information about their owners.

From the above, we can conclude that without good reasons it is not possible to establish by number who owns a bank card. Those options that exist and allow you to find out data about the owner of the card are illegal. Their use is punishable by law.

Each of us can unexpectedly face the situation of an incorrectly sent money transfer. If the funds went to the wrong place, the question arises of how to find out the owner by the Sberbank card number.

Cases of making mistakes when dialing the recipient's plastic number are observed quite often. When making a purchase on the Internet or through ads, buyers rarely meet sellers in person - most often transactions take place remotely. We transfer the amount to the seller's card and wait for the purchased goods to be sent to us.

However, troubles also happen - this number may be indicated incorrectly, or the seller turns out to be a scammer. And the only way out that the deceived client sees is to find a person by the Sberbank card number and demand a refund from him.

Is it possible to recognize the owner of the card by its number: what information is encrypted in the numbers on the plastic

At first glance, the solution seems simple and easy to implement - after all, you can contact the employees of the bank branch and ask for information about the owner of the specified card. In fact, everything is different. No matter what reasons you give in your request to provide you with data on the owner of the card account, it is impossible to obtain them legally.

Information about the personal data of card account holders is confidential. And according to the law on bank secrecy, no employee of a financial institution will give out such information to third parties.

Having been refused by the bank, many are wondering if it is possible to recognize the owner by the Sberbank card number. In reality, the data encrypted in numbers is not secret, but they will not provide information about the last name and first name of a person.

The numbers in the card number contain the following information:

• the first digit indicates the payment system. The number starting from the number 4 refers to the VISA payment system, from the number 5 - to the Mastercard;
• the first six numbers are the bank identifier by which you can calculate the bank that issued this card;
• the seventh and eighth digit on the plastic - determine the program under which it was issued;
• numbers from the ninth to the fifteenth - refer to the personal data of the owner. It is from them that you can find out who is the holder of this card, but this is only available to bank employees;
• the sixteenth digit in the number serves only to verify the authenticity of the payment instrument.

Encrypted data will not give an outsider an answer to the question of how to find a person by Sberbank card number. However, having only written numbers on hand, you can find out the name and patronymic of its owner. The Sberbank Online system will help with this.

To do this, you need to go to the application and initiate the transfer of funds from your card to the specified one. By entering the number of the card you are interested in, you can see on the screen in the "Recipient" column the full name, patronymic and the first letter of the surname of its holder. The transfer itself is not required - the operation can be canceled after finding out the data of interest.

Real ways to find out the identity of the owner of a Sberbank card by its number

If a certain amount was mistakenly transferred to an unknown plastic card number, the sender has the right to contact the bank - in person or by calling the hotline. In a conversation with a consultant, you should describe the situation, as well as provide the number of the completed transaction. It is indicated on the receipt printed at an ATM or sent to your e-mail when paying through a mobile application.

In this case, a person does not need to figure out how to find the owner of a Sberbank card by card number. Bank employees themselves will send him a message with a request to return the erroneously transferred amount indicating the sender's account. If the holder of this card does not return the money, you can contact law enforcement agencies and write a statement. Then collect the transferred funds from this person through the court.

There is another way to find a person using a Sberbank card. Sites that provide such information can help with this. It is enough just to enter the number of the account of interest in the search line, and the user will be provided with information about its owner, containing his last name, first name and patronymic. However, this method is illegal.

Finding out whether it is possible to find a person by the Sberbank card number is best at the financial institution itself or the police. Illegal methods can be useful only in extreme cases. Therefore, in order to save yourself from long explanations and the hassle of returning money, try to be attentive to any transactions on the Internet. And never place your payment details on Internet resources where they can be stolen by intruders.