12 December, 2023
With the growth of technology in the banking sector, you do not need to rely on cash transactions anymore. Today, a Debit Card allows you to access funds in your bank account. You can also purchase products and services, pay bills, and settle other payments easily with Debit Cards. Plus, you can use your Debit Card to withdraw cash from ATMs as needed. While using your Debit Card, you may have noticed a 16-digit number printed on it. Read on to understand what a Debit Card number signifies.
What is a Debit Card Number?
A Debit Card number is a set of unique digits serving as identifiers of your Debit Card. The number is essential as it is used to ensure that the transactions carried out through your Debit Card are legitimate. When you use your Debit Card, the connecting server, whether the recipient’s network or the ATM, reads the card number on the Debit Card to connect with your bank. It acts as a code that helps your money move safely from your account.
Structure of the ATM-cum-Debit Card Number
The 16-digit bank card number on a Debit Card reflects your linked bank account. It is also important from a security point of view. Each digit serves a specific purpose. The first 6 digits represent the Bank Identification Number, and the remaining 10 digits are known as the Unique Account Number. Here’s a detailed breakdown of the structure of a typical card number on an ATM Card:
The First DigitThe first digit of a Debit Card is known as the Major Industry Identifier (MII). It is used to identify the network that issues the MII code, which could be banking and finance, petroleum, airlines, telecommunication, and other industries.
The First 6 Digits
The first 6 digits are collectively known as the Issuer Identification Number (IIN). They are used to highlight the card issuing bank. The company’s IIN for a MasterCard-enabled Debit Card will be – 5XXXXX, and for a Visa-enabled Debit Card, it is 4XXXXX.
The Next 9 Numbers from the 7th to the 15th Digit
The numbers displayed on the Debit Card from the 7th to the 15th digit are linked to your bank account number. They are not the same as your account number but are rather linked to your bank account. These numbers are issued by the card provider to identify your account.
The Last Digit
The last digit on your Debit Card is referred to as the check digit. It indicates the validity of your Debit Card. The sole purpose of this digit is to validate the remaining digits displayed on your Debit Card.
How to Find the 16-digit Debit Card Number Online?
To find your Debit Card number online, you can use these two methods:
Visit your Bank’s Website
You can find your Debit Card details through Net Banking. Simply log in to your bank’s official website with your customer ID and password. Once you have logged in, you must navigate to ‘Cards’, ‘Manage Cards’, or a similar option under the menu. You can then click on the option indicating your card details, which include the card no on the Debit Card, expiry date, and other relevant information.
Log into Your Mobile Banking App
Your mobile banking app is also a convenient means to find your ATM card number details. You can simply log into the app with your biometrics, navigate to the ‘Cards’ section and enter your secure PIN to reveal your Debit Card number.
Get Your Debit Card Effortlessly from HDFC Bank
The 16 digits displayed on a Debit Card are unique to each card and are a means to identify the account holder, bank account, and the card issuing company. If you suspect someone of accessing your Debit Card number without your authorisation, you can contact your bank and have the card blocked immediately. You can then apply for a duplicate Debit Card. With HDFC Bank, this process is simplified and can be conveniently completed online. You can apply for Debit Card on HDFC Bank’s website in a few simple steps and enjoy the perks it offers.
Access the convenience of banking with ATM cum Debit Cards from HDFC Bank.
*Terms and conditions apply. 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
You must have noticed a 16-digit number on the front side of your Debit Card. This is known as the Debit Card number. This number is unique and primarily represents and identifies your Debit Card.
How do I find my bank debit card number? ›
Your debit card number is often included in your bank account statements, whether in paper or electronic form. To find your debit card number in your account statements: Access your most recent account statement, either online or from a paper statement. Look for the section that details your debit card transactions.
Can you tell what bank by debit card number? ›
Bank Identification Numbers (BINs) are the first 6 to 8 digits of a card number. These numbers are used to identify the issuing bank or financial institution of the card.
How can I know my bank account number debit card? ›
Debit and credit cards typically don't display the user's account number for security reasons. You can locate this piece of info by: Checking your bank statement—Your bank account number may appear on bank statements (including e-statements) under an appropriate label (like Account Number, Customer ID, or similar).
Where is debit card number located? ›
You can usually find your debit card number printed or embossed on the front of the card, commonly around the center. Other essential card info is the: Expiration date—includes a month and a year, usually printed below the card number.
How do I find my 16-digit debit card number? ›
Where Can I Find My 16-digit Debit Card Number? Debit Card Number is printed on the front or back of your debit card. You can also find your number using net banking, mobile banking, bank statements, and by calling your bank.
What is the bank number on a debit card? ›
The institution number - three digits - identifies your bank. The account number - seven to twelve digits - identifies your individual account.
Is my debit card number the same as my account number? ›
No. The number shown on the debit card is the card number, not the checking account number. The checking account number can be found along the bottom of a check, on a bank statement, or through an online banking platform.
Does my debit card have a bank account? ›
A debit card is not a checking account but a card issued by a bank or credit union that is attached to a deposit account. You can use debit cards to pay for purchases and services in person or online, make ATM withdrawals or transfer money. Checking accounts are deposit accounts intended for everyday use.
What is the format of a debit card number? ›
The card number on financial cards are usually 16 or 19 digit long. The first 6 or 8 digits of a payment card number (credit cards, debit cards, etc.) are known as the Issuer Identification Numbers (IIN), previously known as Bank Identification Number (BIN).
To recap, when looking at the full bank card number, the first digit identifies the card issuer's industry, while the first six digits collectively identify the specific institution which issued the card.
How to know debit card number without card? ›
Visiting your bank: Visit your bank branch and speak with a bank representative to request assistance in retrieving your debit card number. They may require you to provide identification to confirm your identity before disclosing the information.
How to know which bank by account number? ›
The account number does not identify the bank. However, the bank also issues a routing number for its clients. This number includes a few digits that denote the financial institution, i.e., the bank, that holds the account in question. They are usually the first digits in the routing number.
How can I find my bank debit card number? ›
Your 16-digit card number is usually printed on the front of your debit card. It is a long number that can be found embossed or printed on the card, usually in the middle. You can also find your card number on your bank account statements or transaction history if you have access to those documents online.
Where is the identification number on a debit card? ›
What is a Card Identification Number (CIN)? Discover® credit and debit cards have a 3-digit code called the "CID" (card identification number). It is not embossed like the card number and is always the final group of numbers printed on the back signature panel of the card.
How do I find out where my debit card is? ›
Contact Your Bank: Contact your bank's customer service through their hotline or visit their website. Provide your account details, and the tracking number and request the status of your ATM card delivery.
Is your debit card number the same as your bank account number? ›
No. The number shown on the debit card is the card number, not the checking account number. The checking account number can be found along the bottom of a check, on a bank statement, or through an online banking platform.
How to find your CVV number without card? ›
If you need your CVV code but can't locate your physical card, call your card issuer. They can look up your CVV code after verifying your identity.
How to find 16 digit debit card number online Santander? ›
View your card details in the app by tapping 'See card details'. You can see your card number, CVV number and PIN, and instantly freeze or unfreeze your cards.
Can I get my account number from ATM? ›
In case you do not use internet or mobile banking facilities, you can visit your nearest bank ATM and conduct a cash transaction or check account balances with a mini statement. You will find your account number on the transaction receipt, along with the balance funds in your account.
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