For opening a bank account, they apply for immediate access to the execution of actions with free cash: deposit and withdraw cash without limitation, transactions on necessary needs within the accumulated volume.
A similar method of manipulating money with people is usually called a “demand account”. A popular action of a Russian citizen is to open a current account with Sberbank.
On paper forms or in electronic format, a person encounters requisites regularly when:
- account opening;
- making utility bills;
- payment for educational and medical services;
- payment of property taxes;
- enforcement of penalties.
When filling out numerous forms, the consumer uses the example of a current account.
Design introduction
People at the time of issuing receipts and forms do not count how many numbers are in the current account. They simply rewrite the information from the sample laid out in the service room. There is a possibility of a technical error . A missing or oversubscribed digit turns the details into invalid information, and the form into a damaged sheet. Therefore, you should initially know that the subject under study consists of twenty digits.
To study the example of a current account, we take information from the website of any commercial enterprise, which:
- registered in the territory of the Russian Federation;
- is a client of Russian KFU;
- operates with the currency of payments - rubles.
The bulky sequence 407 02 810 3 7209 00 19522 provides the user with a set of interesting information about the payee. It is only necessary to study the structure of the structure. A breakdown into groups is shown here for ease of reference. Virtually all characters are written in forms without spaces.
Parameter Structure
For ease of explanation:
- we break the sequence into groups;
- number each cell;
- replace the existing values with the letters of the Latin alphabet.
1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | eleven | 12 | thirteen | 14 | fifteen | 16 | 17 | 18 | 19 | 20 |
N | N | N | M | M | V | V | V | K | F | F | F | F | S | S | Z | Z | Z | Z | Z |
| | | | | | |
So, the bank identifier has the form:
NNN * MM * VVV * K * FFFF * SS * ZZZZZ
Here between the groups are placed "stars" for ease of study. In contracts, forms, receipts and payments, the sequence is recorded without intermediate characters. Specify:
NNN - cells 1, 2, 3; balance account number I;
MM - characters 4, 5; balance account number II;
VVV - signs 6, 7, 8; currency code;
K - ordinal position 9; verification key;
FFFF - numbers 10, 11, 12, 13; branch or branch of KFU;
SS - signs in cells 14, 15; type of account;
XXXXX - characters from 16 to 20; front, internal banking reference.
It does not matter in which bank the payee or payer opened a bank account: there are always twenty digits.
Owner concept
The first three characters of NNN contain information about the owner. The combinations are located in the interval 102 - 705, where most of the codes are used inside the bank or for interbank operations:
- the accounting of equity capital, funds, profits and losses of a credit institution are kept in accounts beginning with combinations 102 - 109;
- operations with precious metals and stones of the bank and its customers apply triads 203 and 204;
- registers 301–329 are formed for interbank transactions; with these combinations the correspondent accounts begin, indicated in the documents by the abbreviation “c / s”;
- operations with securities are reflected in registers 501-526.
Fourth Office
Banks serve not only their own corporation, but also customers - individuals and legal entities. Opening an account is accompanied by a notice of assignment of a designation group by which the client is identified. For user operations, tools have been created starting with the number “4”:
- 401 - payments to the federal budget;
- 402 - replenishment of local and regional budgets;
- 403 - operations with other funds of the Ministry of Finance and loans of foreign countries received and issued;
- 404 - a sign of social funds - pension, medical, social insurance;
- 405 and 406 - the founders of enterprises are federal or local authorities;
- 407 - sign of commercial and non-profit organizations owned by private individuals and companies;
- 408 - other customers;
- 411-425 - for working with deposits of citizens and organizations placed in KFU;
- 430 onwards to account for internal operations of KFU.
The MM pair is used as an addition to the NNN, clarifies information about the owner.
The code 407 indicates that the client is a non-governmental institution, and then comes the clarification:
- 40701 - credit organizations;
- 40702 - commercial structures;
- 40703– non-profit structures;
- 40704 - Wallet for campaigning.
Conclusion 1. In the example considered at the beginning of the article, the settlement account begins with a combination of 40702, which means a commercial structure owned by private individuals and companies.
Currency interest
VVV - currency code in accordance with the all-Russian classifier of currencies. The Bank of Russia works with dozens of currencies. Codes most requested:
- 392 yen;
- 792 - Turkish lira;
- 810 - Soviet (Russian) ruble;
- 826 - pound sterling;
- 840 - dollar;
- 978 - Euro.
Individual accounts in different currencies look like this:
- in rubles - 40817 810 500000012345.
- in dollars - 40817 840 601500067890.
- in euros - 40817 978 001250000014.
Conclusion 2. An example of a current account contains a combination of 810 - an indication of the ruble currency.
Check sum
“K” is a checksum, a verification key. The parameter is calculated according to the mathematical rules set forth in the regulatory document of the Central Bank of the Russian Federation on the key calculation procedure.
If all designations are entered correctly, then the result of processing will coincide with the control key.
Mismatch means that a typo or inaccuracy are allowed when filling in the details.
Fans of mathematical charades are recommended for training document No. 515 of September 08, 1997.
There are no branches
The combination FFFF means a branch of KFU or its branch, where the client opened an account. In the country, there are no recorded cases of banks without branches. KFU can be registered in Austria, and work on the basis of branches and offices in Russian cities. But if such a situation had developed, then zeros would have stood in the place of the tenth to thirteenth character.
FFFF sequence formation rules are known only to authorized employees of the respective credit financial institution and the Bank of Russia. Because these rules reflect a trade secret - the KFU Construction System.
Conclusion 3. In this example, the FFFF group has a value of 7209. But it is known from the full bank details of the company that it is a branch of Sberbank.
Internal set
The reader now knows how many digits are in the current account (twenty). It remains to consider the last seven digits of the set.
SS - ZZZZZ is the personal number inside the bank.
What is a personal account in the appendix to the decoding of the studied concept? This is a seven-digit group in categories 14 - 20. It is used to account for mutual payment transactions with citizens and institutions. It reflects credit and cash transactions with a specific client.
Two SS characters encrypt the type of personal account: on demand - ruble, currency, accumulative.
ZZZZZ is the defining sequence. The combination does not carry characterizing information. This is an intra-system serial number.
In 2017, the Central Bank of the Russian Federation issued Regulation No. 579-P such that the personal account differs in numbering for budgetary, transit, reporting financial results and all other financial products.
In the structure of the budget bank account, the symbol of budget reporting takes cells from 14 to 16. The index consists of four characters in cells from the seventeenth to the twentieth.
The transit account is marked with the number “1” in box fourteen; characters from 15 to 20 - serial number.
Symbols about OFR occupy categories 14 - 18, and for local accounting cells 19 - 20 are provided.
Single picking rule
A unified approach to identification of a personal number does not exist. Each KFU has its own layout for the SS and ZZZZ groups.
The current account in Sberbank contains twenty digits, and digits 13 and 14 for the ruble object are assigned the value 00.
Conclusion 4. In example 13 and 14 given at the beginning of the article, the cells have the value 00, which means that the account is in rubles on demand, not deposit and not accumulative.
The current account at VTB consists of twenty characters. It is formed according to the same rules and instructions as other Russian banks. The only difference is the front number, digits from 14 to 20. Each KFU tries to protect the information and comes up with its own encoding scheme.
Bank and card
To avoid confusion with the map, the information should be clarified:
- 20 characters - the length of the cashless wallet number.
- 16 characters - the length of the bank card number.
These are not matching combinations and concepts. To work with a card with an assumed designation of 1234 5678 9012 3456, the bank must open a twenty-digit account.
When filling in, the client should carefully and carefully study the forms that are required (card details or accounts).
The share of non-cash wallets for one citizen is not standardized. A person can operate several objects in a single bank or start one in the first top twenty. It can be ruble, dollar or pound accounts.