In order to check the authenticity of a Debit Card, the card has specific features. Card verification value (CVV) is a combination of many features used in Debit Cards for the purpose of establishing your identity. This helps in minimising the risk of theft and fraud. You might also know CVV by other names, like card verification code (CVC) or card security code (CSC).
What is CVV in Debit Card?
You might observe that there are two components to the CVV. The first code is recorded by the card issuer in a magnetic stripe. The long black stripe at the back of your Debit Card contains a large amount of data. The code is recovered by sliding the card through amagnetic stripe reader that reads your data to establish your unique identity.
You can think of CVV as an essential security feature. This feature ensures that only the actual physical holder of the card can use it remotely and that someone who has gotten only the card number and some personal information cannot provide this value without the actual card.So, even if your confidential financial information is leaked,Debit Cardtransactions cannot take place without the physical presence of the card. The information on the card, stored in the form of a magnetic tape, contains your data that is essential to any Debit Card transaction.
CVV codes are generated by the issuer, i.e. the bank the following information on your card-
- Bank Card Number
- Service Code
- Expiration date
- Unique code: This is known only to the issuer, e. the bank. This is then converted to a decimal code to create a three or four-digit code to be printed at the back of your card.
Where can you find CVV on your Debit Card?
If you use a VISA or MasterCard, you will find that the CVV printed contains a three-digit code and is located on the back of the card, near the signature area.
How does CVV prevent you from being a victim of fraud?
If correctly used, the CVV is highly effective against some forms of fraud. For example, if your data in the magnetic stripe is changed, the stripe reader will indicate a "damaged card" error and will not go ahead with the transaction
In other words, your unique Card Verification Value (CVV), will help you to prevent fraud. Most often it is a three-digit code that is calculated from your data on the magnetic strip and cannot be forged by simply knowing your Debit Card number. This number is never transferred during card swipes and should be known by no one else other than you. However, CVV cannot protect you from cyber crimes like phishing etc., where you willingly give away your information to fraud schemes.
Looking to get an HDFC Bank Debit Card? New customers can get a new Debit Card through opening a new Savings Account while experiencing hassle-free banking with HDFC Bank. Existing HDFC Bank customers can get their Debit Card reissued within minutes here.
Read more on the steps to apply for aDebit Cardhere.
* Terms & conditions apply. Debit Card approvals are at sole discretion of HDFC Bank Ltd. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circ*mstances.
FAQs
CVV numbers are one of their built-in security features. A CVV code — AKA a card verification value — is the security code found on the back of your debit card that helps encode your banking information.
Where to find CVV on debit card? ›
Where can you find CVV on your Debit Card? If you use a VISA or MasterCard, you will find that the CVV printed contains a three-digit code and is located on the back of the card, near the signature area.
Where can I find the CVV number? ›
For Visa®, Mastercard® and Discover® cards, the CVV is a three-digit number, and it usually appears on the back of the card, typically next to the signature box. American Express cards have four-digit CVV numbers, and they appear on the front of the card.
How do I find my CVV and card number? ›
You can find your CVV or CVC number on your credit card. Visa - Signature strip on back of card: card number reprinted followed by your 3 digit CVV number. Mastercard - Signature strip on back of card: last 4 digits of card number reprinted, followed by 3 digit CVC number.
Where is the security code on a debit card? ›
The card security code is typically the last three or four digits printed, not embossed like the card number, on the signature strip on the back of the card. On American Express cards, however, the card security code is the four digits printed (not embossed) on the front towards the right.
Do all debit cards have a CVV number? ›
Some debit cards do not have a CVV which indicates online purchases are not approved for that card; however, if present, a debit card's CVV number is usually found on the back in the signature box following the last four digits or the total sixteen-digit card number.
Which cards have CVV number? ›
With most cards (Visa, MasterCard, bank cards, etc.) it is the final three digits of the number printed on the signature strip on the reverse of your card. On American Express (AMEX) cards, it is usually a four digit code on the front.
What is an example of CVV? ›
The CVV/CVC code (Card Verification Value/Code) is located on the back of your credit/debit card on the right side of the white signature strip; it is always the last 3 digits in case of VISA and MasterCard. Please copy your CVV/CVC code from the back of your card and continue with your payment.
How do I find my CVV number on my debit card without a debit card? ›
If you are searching for 'how to know CVV number on debit card online', there is no way to do so. You can access your CVV only from your physical card. But in case you have a virtual card, you can check your CVV by logging into your bank app.
How do I find my 3-digit CVV without a card? ›
One way to do this is to simply call up your credit card issuer and ask them for your CVV number. They will be able to look up your account information and give you the number. This is probably the easiest way to get your CVV number if you don't have your card with you.
CVV stands for Card Verification Value. This is a unique three or four-digit number on the back of your Credit or Debit Card. You will need it to complete online transactions done via your cards.
What is the 3 digit code on a debit card? ›
A debit card security code (CSC) is a three or four-digit number that appears on your debit card. It may also be referred to as a debit card CVV or CVC, which indicates card verification value and card verification code, respectively.
Where is the card number on a debit card? ›
Your 16-digit card number is typically located on the front of your debit card. It is embossed or printed flat along with your name, expiration date, and possibly a CVV (Card Verification Value) code on the back.
How to know your CVV number on debit card without card? ›
If you are searching for 'how to know CVV number on debit card online', there is no way to do so. You can access your CVV only from your physical card. But in case you have a virtual card, you can check your CVV by logging into your bank app.
Can I give my CVV number online? ›
It's generally safe to enter a debit card number and CVV online on reputable and trustworthy websites. However, it's good practice to exercise caution when online shopping — there's always a risk of financial information being compromised.
What if my debit card CVV number is erased? ›
If the CVV (Card Verification Value) number on your debit card has been erased, you should contact your bank or financial institution immediately. They will be able to provide you with the necessary assistance and guidance to resolve the issue.
