What is BIC Sberbank, and where it can be found

If you need to make any payment with a bank card without cashing out the funds available there, you will need its details. Many people think that all the necessary information can be found on its front or back side, but it is not. Important information 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 understand the transfer of funds, you will have to find out what the Sberbank BIC is . This is the name of the identification bank code, which is the mandatory requisite of any credit institution. Only on this number you can determine where a certain branch of the bank is located. Without it, it is impossible to make non-cash 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 editions, which are updated at least once a month. In addition, every person can identify the bank by the BIC directly on the Central Bank's website, where all the codes are collected.

Necessary requisites

When you try to make a non-cash payment using a bank card, you will need information on how to learn the Sberbank BIC. This code can be found in the envelope with the documents that was attached to the card. But if you do not have it, then do not panic. There are other ways to find out this number. For example, you can call the support hotline at 8 800 555 5550 and contact the employee. He can help you find out the information you need, though, be prepared to answer the security question. Do not be afraid of this, the data you will be asked about, you yourself indicated when filling out the documents. As a rule, this is a question about the girl's maiden name or the nickname of a pet.

Another way to find out which BIC Sberbank, is e-mail. You can send an appropriate request to the office and wait for a response. However, it will be much quicker to visit the nearest branch. Employees are sure to help you find out this information.

But if you have the Internet, then the problem disappears by itself. With its help it is quite easy to find out what the Sberbank BIC is, for this you just need to go to the official site of this credit institution. By the way, you can find out this number in the same place.

How to find out BIC through Internet banking

If you want to know the code of the branch of the bank without leaving your home, for this you will need to go to the official site of the Savings Bank. There you will see an opportunity to choose 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 on the desired department, you can click "Details" and find out all the necessary information. There is indicated not only the BIC of the branch, the correspondent account, but also the mode of operation, the list of services provided, even the numbers of contact phones.

Having chosen a certain street, you can see the list of nearest offices. But it is worth noting that the identification number of all of them will be the same.

Structure and decoding of BIC

It seems to many that different codes of a bank have different codes. But those who understand what the BIC (Sberbank or any other bank), and how it is formed, know that this is far from the case.

So, the identification code consists of nine digits. In this case, the first two denote the bank's ownership of a certain country. Russia has this code 04, so absolutely all banks that are registered in the territory of the Russian Federation, it will begin with these figures. The next pair means territorial affiliation. For example, the banks of the Moscow region have the first 4 digits of the code - 0446, Moscow branches - 0445, St. Petersburg - 0440.

Having looked through the code further, it is possible to understand which bank is in question. For example, for the Savings Bank of the capital of Russia, the first six digits of the BIC will look like this: 044525. For the designation, any variants between 00 and 99 are suitable. It is at number 25 that Sberbank enters the Central Bank's settlement network.

The last three digits of the code are a symbol of the commercial financial structure in which customers 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 BIC Sberbank - 044525225, then you can understand that this is a Moscow branch of this credit institution.

When 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 settlements. 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 to specify the BIC in the payment details, because one account number and the name of the bank will not be enough. And if the translation is meant for you, then we have just told you about the BIC of Sberbank, and where to find it.