If you have a need to make any payment using a bank card without cashing out the funds there, then you will need its details. It seems to many that all the necessary information can be found on its front or back, but this is not so. Important data is contained in the envelope in which you received your bank card. That is why it is desirable to preserve it.
Useful terminology
Before you deal with the transfer of funds, you will have to find out
what BIK of Sberbank is. This is the name of the bank identification code, which is a mandatory requisite of any credit institution. Only by this number can you determine where a particular branch of the bank is located. Without it, it is impossible to make cashless payments.
Assignment of BIC numbers occurs according to a certain procedure, which is approved by the Central Bank of the Russian Federation. This code has a clear structure that allows you to identify each bank and its territorial affiliation. All numbers are collected in special reference books, which are updated at least once a month. In addition, anyone can identify the bank by BIC directly on the website of the Central Bank, where all codes are collected.
Requisites
When you try to make a cashless payment using a bank card, you will need information on how to find out the Sberbank BIC. This code can be found in the envelope with the documents that came with the card. But if you have not survived it, then you should not panic. There are other ways to find out this number. For example, you can call the support service hotline at 8 800 555 5550 and contact an employee. He will be able to help find out the information you need, however, be prepared to answer the security question. Do not be afraid of this, the data that you will be asked about, you yourself indicated when filling out the documents. As a rule, this is a question about the mother's maiden name or the nickname of the beloved pet.
Another way to find out which BIK Sberbank has is e-mail. You can send a corresponding request to the department and wait for a response. True, it will be much faster to visit the nearest branch. The staff will help you find out this information.
But if you have the Internet, then the problem disappears by itself. With its help, it’s easy enough to find out what the BIK of Sberbank is, you just need to go to the official website of this credit institution. By the way, there you can find out this number.
How to know BIC through Internet banking
If you want to find out the bank branch code without leaving your home, for this you will need to go to the Sberbank official website. There you will see the possibility of choosing the region and the branches or ATMs you need. You can find the branch you need by entering the address in the appropriate field or by selecting it on the map. Pointing the cursor at the department you need, you can click "Details" and find out all the necessary information. It lists not only the BIC of the branch, the correspondent account, but also the mode of operation, the list of services provided, even contact telephone numbers.
By selecting a specific street, you can view a list of the nearest branches. But it is worth noting that the identification number for all of them will be the same.
BIC structure and decoding
It seems to many that different branches of the same bank should have different codes. But those who understand what a BIC (Sberbank or any other bank) is, and how it is formed, know that this is far from the case.
So, the identification code consists of nine digits. Moreover, the first two indicate the bank’s affiliation to a particular country. Russia has this code 04, therefore, for absolutely all banks that are registered in the Russian Federation, it will start with these numbers. The next pair means territorial affiliation. For example, the banks of the Moscow region have the first 4 digits of the code - 0446, the branches of Moscow - 0445, St. Petersburg - 0440.
After reviewing the code further, you can understand what kind of bank in question. For example, for the Sberbank of the capital of Russia, the first six digits of the BIC will look like this: 044525. Any options between 00 and 99 are suitable for designation. It is under number 25 that Sberbank is part of the Central Bank's settlement network.
The last three digits of the code are a symbol of a commercial financial structure in which clients can open accounts. They can be from 050 to 999. But note, they must necessarily coincide with the last three digits of the correspondent account.
For example, if you know that BIK of Sberbank is 044525225, then you can understand that we are talking about some kind of Moscow branch of this credit organization.
In what cases is it necessary to know the bank identification number
As a rule, information about the individual code of each financial structure is necessary only for non-cash payments. For example, if you try to transfer money from one bank to another, then you will need to specify this number. If you transfer money, then ask your correspondent in the payment details to indicate the BIC, because one account number and the name of the bank will not be enough. And if the transfer is intended for you, then we just told you what the BIC of Sberbank is and where to find it.