Bin - yintoni na? Yintoni amakhadi bin?

Ukudlulisela imali kwi-akhawunti enye ukuya kwenye usebenzisa iinkcukacha ezimbalwa: inombolo yekhadi, igama umamkeli kunye umthumeli, igama ebhankini, njalo njalo. d. Iindaba ezimnandi kukuba ukuba yonke idatha kufuneka uyazi ukuba kuninzi imicimbi. Umzekelo, ukuba ukutshintshela iimali ukusuka ikhadi enye ukuya kwenye ngaphakathi ibhanki efanayo kwanele ukuba ukhankanye kuphela inani zeplastiki. Enye into, xa isivumelwano senziwe phakathi kwamaziko ngetyala. Emva koko kufuneka ukhankanye i bin. Yintoni na yaye apho ungajonga khona, zifundwe kweli nqaku.

definition

Bank Identification Number (bin) - oku imivo zokuqala 9 ikhadi lakho. Isetyenziswa ukugqiba iziko lamatyala kwinkqubo yentlawulo isekelwe phezu imimiselo Central Bank. ingafunyanwa ngokusebenzisa Bin:

• uhlobo inkqubo yentlawulo (ICS);
• ikhadi-ukukhupha yebhanki;
• ukuchwetheza: credit okanye debit;
• iimbono: Maestro, Electron, Classic, Gold, Standard, Platinum.

Nantso into bin. Kubafundi ekuchongweni ukuprosesa idata evela umvumbo Imagnethi yomhlaba kunye chip. Zisetyenziswa ukuba nokudlulisela ulwazi kuwo iinkcukacha zentlawulo, enye yazo bin. Kubalulekile Yintoni unakho ukufumana izibonelelo zokuthenga? Bafumane ulwazi ukusuka ikhadi ukugcina umkhondo intengiselwano ngokohlobo izixhobo yentlawulo kunye neentlobo zabo, abanini. Le ndlela yokufunda kakhulu ibalekisa inkqubo ulwazi processing, lunciphisa ubungozi izenzo ezingalunganga. Nantso into ikhadi bin "Oschadbank."

ukuhambisana Information

ulwazi Code inokufumaneka imithombo karhulumente. Kodwa kukho nto luhlaziywe kungafane, kwaye usoloko ebonakalisa iinkcukacha ezingachanekanga. Ukongeza, iibhanki musani ukukholwa bin nezixhaso ebalulekileyo. Ngoko ke musa ukugcina umkhondo ukuchaneka nokusetyenziswa kwayo. ERashiya, kukho umahluko omkhulu phakathi debit kunye credit cards lingekhoyo khona. Kodwa kumazwe US okanye EU, ipesenti lo msebenzi, nto leyo ihlawulwe ngumamkeli, yahluke gqitha. Ngenxa ezinye iivenkile babeka iimfuno engqongqo kuhlobo yesixhobo sentlawulo.

kuqondwe bin

Yintoni umvo wokuqala ikhowudi? She is uhlobo kwinkqubo yentlawulo:

• 3 - American Express;
• 4 - Visa;
• 5 - MasterCard;
• 6 - Maestro;
• 7 - UEC.

Kodwa kuphela theory. Kuba MasterCard Iikhowudi yesazisi zisetyenziswa ku ezahlukene 50-55. In Australia kunye nenkqubo New Zealand Bankcard isebenza ukususela ngo-2006, inombolo 5610, 56021-56022. Omnye umzekelo: American Express Japan Credit Bureau for iikhowudi ezabelwe 34, 35 no 37 Nangona kwezentlalo ikhadi Maestro, ekhutshwe yi Sberbank of Russia, eqala ngo 6390, kunye Visa yegolide - ukususela 4276.

Imivo yesithathu neyesine zibonisa indawo ngaphakathi kurhulumente. Kuba Russia, oluhlobo kuthatha indawo OKATO. Ikhadi ekhutshwe kwisebe i-Savings Bank kwikomkhulu, izakuqulatha ikhowudi 45, kunye nokusekwa kwe St Petersburg - 40. imivo yesihlanu yesithandathu uya kwazisa inombolo yekhowudi ukuba iyunithi ethile izibalo Central Bank. It ekungabonini ukusuka 00 ukuya 99. Amanani emithathu yokugqibela Bikeev ungqamane data olungqamelanayo kwi -akhawunti correspondent (it ibandakanya amabini amanani). Isukela 050 ukuya 099. Kuba CSC, oluqhutywa yi-Bank of Russia, eli xabiso buphuma ifom "000". Ngokuba intloko iziko ayindawo - "001". Kuba amasebe Central Bank of the Russian Federation, iiyunithi noshowo i-Bank of Russia -. "002" Nantso into lekhadi bin.

Kutheni yonke le nkcazelo isilinganiso umsebenzisi? Akukho mfuneko. Xa uninzi lweemeko. Kodwa ke ukuba umntu uza kuzihlawula zonke izinto kwi-intanethi evenkileni okanye incwadi iinkonzo (igumbi ehotele, amatikiti, irenti njalo njalo. D.) A website kwamanye amazwe, kungcono ukuba wazi kwangaphambili into amakhadi bin nalapho ukuyifumana.

Option omnye: kwicala phambi kweplastiki

Ekubeni bin iyinxenye inombolo yekhadi, ningawufumana khona ngokujonga ngesixhobo yentlawulo. Kwicala ngaphambili amanani apho 15-19 apho isicelo ngepeyinti okanye extrusion. Eli linani. Lidla iqulethe digits 16 (iibhloko 4 ezinamanani ama-4), 19 kusetyenziswa izixhobo intlawulo eyongeziweyo ezimana zikhutshwa njengenxalenye ye-akhawunti zabathengi, 15 - i-American Express. Yintoni amakhadi bin? Lo imivo zokuqala 9. Abanye eziqulathe ulwazi malunga uhlobo, lwemali, ngoko khupha mmandla. D. ophelileyo, elinesithandathu, inani yokuqinisekisa, echaza i "nokuchaneka" ye inombolo yekhadi.

Option ezimbini: uqhagamshelane isebe lebhanki

Ngamanye amaxesha le mephu ibonisa akukho 16 kanharhu, kodwa yokugqibela emine kuphela lokuqala okanye. Kulo mzekelo, ukufunda bin, nceda utsalele umnxeba, ukuze zilawule inombolo negama, ikhadi, igama ikhowudi. Uzocela ulwazi olufanayo xa utyelela isebe lebhanki. Kodwa ke kufuneka ume emgqeni kunye nokuchonga nomqeshwa. Ukuba usenalo isiqwenga bephepha PIN-ikhowudi okanye isivumelwano kwimaphu, ikhowudi zinokujongwa apho.

Option ezintathu: ngenxa zebhanki mobile okanye Internet

Le ndlela efanelekileyo kuphela abanini amakhadi Sberbank. Kwi i "Akhawunti Personal" arhente intanethi kufuneka ukhethe isixhobo sentlawulo, yiya kwicandelo "Iinkcukacha." Apho uya zicaciswe-akhawunti zakho kunye nekhowudi isebe (NNN / nn). Ukuze ufumane ulwazi lwamva kufuneka ekukhupheleni kuyicola kwibhokisi yokukhangela kwi-home page. Imephu wabonisa Iyunithi ye-ukusekwa kunye iinkcukacha ezipheleleyo. Ngoko unako ukufumana phandle ikhadi BIC yomamkeli. Kodwa le ndlela iye kuneengxaki zako. traffic Internet aphesheya nge mobile phone iza kuba ziindleko. Ngoko ke, ukuze ukuba bangachithi ixesha ukufuna kwikhefi ye-intanethi, funda okungakumbi malunga ikhadi BIC kwangaphambili. Umzekelo ...

nge ATM

Le ndlela likwafumaneka abanini amakhadi Sberbank. Kufuneka ukuba ufake yeplastiki ukuya ATM "lweenkobe", faka iPIN, yiya kwicandelo "iintlawulo zam" - "Iinkcukacha" kwaye ubone yonke idatha yemephu.

emazantsi

Omnye iinkcukacha esetyenziswa imali phakathi amakhadi, inombolo ebhankini. Yintoni bin ikhadi umamkeli? Esi ikhowudi eneedijithi ezingama-ezisithoba olwahlula iziko lamatyala ekhuphe isixhobo sentlawulo zeplastiki. Oku ifumaneka ekuqaleni inombolo yekhadi. Ngokuba imisebenzi eqhelekileyo iyafuneka. Kodwa xa ufuna ukuba okuhlawulela iimpahla nge-internet, okanye ukutshintshela iimali ngumamkeli kwenye ibhanki, kufuneka wazi kwangaphambili inani bin. Yintoni ebalulekileyo iqulathe le khowudi? uhlobo card, uhlobo inkqubo yentlawulo, igama nokukhutshwa kwiziko zebhanki. Funda oko ngokutsalela umnxeba okanye uqhagamshelane isebe lebhanki. Sebenzisa iinkcukacha ezikhoyo esidlangalaleni akunconywa, kuba ulwazi kuzo kunqabile kuhlaziywa.