How to identify a bank by account number

How to decode a bank account number

Any bank account (regardless of the organization) consists of 20 digits, each of which has a specific meaning. This information is useless to an ordinary user, as it is intended mainly for banks.

Nevertheless, let's break down the decoding:

• the first three digits indicate who owns the bank account and for what purpose it was opened;
• the next two digits indicate the specifics of the account holder's activity;
• another three digits indicate the currency in which the account was opened;
• the next digit acts as a verification code needed by banks to accept payments;
• the four-digit combination that follows contains information about the bank branch where the account was opened;
• the remaining digits are the customer's serial number within the credit organization.

How to find out the bank by BIC

BIC stands for Bank Identification Code. Knowing it, anyone can easily find out in which specific bank the account was opened. Just like the account number, it consists of a numerical combination:

• the first two digits indicate the country to which the organization belongs (the code for Russia is 04);
• the next two indicate the state's region;
• the next two digits are the branch number;
• the remaining ones are the credit institution number.

You can find out the bank's name by its BIC on your own: there are enough online services to identify credit institutions, such as BIC directories.

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How to find out the bank by INN

You can also find a bank by its INN. To do this, simply find a service similar to the previous one online and enter the organization's INN there. This number consists of ten digits, specifically:

• the first two indicate the constituent entity of the Russian Federation;
• the next two are the number of the tax office through whose branch the certificate was issued;
• the next five digits are the taxpayer number;
• the last digit is a check code.

How to find out the bank by KPP

KPP is the code of the reason for registration. It consists of nine digits:

• the first two, as in the previous case, indicate the constituent entity of the Russian Federation;
• the third and fourth are the Federal Tax Service inspectorate code;
• the fifth and sixth indicate the reason for registration;
• the remaining digits show how many times the organization has registered.

You can find out the bank by its KPP as follows:

1. Find a service for searching banks by KPP, for example, https://www.calc.ru/kpp-banka.html.
2. Enter the code in the search bar.
3. Click the "Find bank by KPP" button.

Frequently asked questions

Why do you need to know the bank?

For example, to make transactions.

Can you find out the bank by card number?

There is no online service that can reliably identify an organization by bank card number. However, you can use several tools at once to at least roughly determine which bank the card belongs to.

Can a third party find out my bank by account number?

There are no publicly available services that allow a user to find out which bank holds a particular account. The only way to do this is by sending inquiries to all known institutions.

Can fraudsters use an account number for their own purposes?

For an ordinary user, the information contained in the account number carries no useful data.