A long, secret number that every bank customer has. If you have a card, use online payments and pay with rectangular plastic, it is a sign that you also have an account number. Ever wonder if the numbers you see mean something or are they randomly allocated?
Can you check (and do you know where) the string of these digits? Why is knowing the account number important and does the mistake of entering it have negative consequences? If you don’t know the answer to any question, be sure to take a look at our article. Here are 5 frequently asked questions that we hurry to answer.
What is the account number?
It is a unique, i.e. unique, original sequence of numbers. This string is divided into several parts, and each of them means something different and is associated with something different. The specific function of each group of digits (and the entire division) was implemented in 2004.
The assigned, individual string of numbers is given when creating an account to which deposits and bank transfers reach. A mistake of one digit changes the recipient completely and can lead to problems. Therefore, it is worth paying special attention and be careful when entering it.
How many digits does the account number have?
Unified requirements and standards for creating bank accounts require the presence of 26 digits. They are built in the form of blocks, consisting of several digits, separated by spaces. Mainly to enable easier entering, rewriting and reading of such a long string of digits.
What do the individual numbers mean?
Contrary to appearances, the number snake given in this way has a meaning and each of them is associated with something specific. To accurately explain and present their relationship, let’s use a random example.
- bank account number example: 01 2345 6789 0000 1100 2200 3330
We have seven groups of numbers here. Their division is not accidental at all. Here are some key information about the markings.
- the first two digits that start the whole string are check counts on your bill. They are generated using the remaining, further numbers, and they are the first “informer” of whether the given account number is real and not entered incorrectly or with missing numbers.
- another 2 groups, 4 digits each, are the bank’s billing number. They determine the branch and type of bank that is the destination. GetinBank has different numbers, and Good Finance has different numbers.
- the last series of digits are individual numbers, selected at random, for each client. The numbers are randomly selected by the system (so you can’t choose them) when you set up your account.
- So we can say that the bank number is a twin brother of the GFI number. Also with its help you can specify the name of the owner and all contact details. While in the case of the GFI number we have included our date of birth, in the case of a bank account – the type of bank selected
How do I check the account number?
Have you ever asked yourself the question “Where is the bank account number?” If so, we are already in a hurry to answer. The easiest way to get and find out where your bank number is is to go to your bank outlet. There, with proof, they will give you the full number. You should also get it on the form when you decided to set up your bank number. The second way is to log into your online banking.
To do this, you need a unique PIN code, which you should also receive from the bank, and your own password chosen and created. The account number should be in several places – first of all in the transfers you made (be careful, do not confuse it with recipients!), In the account information and on the main page, which appears immediately after logging in.
Is the account number the same as GFI and GL?
No. These three numbers are often confused, treating them almost identically. The account number has already been explained, so let’s focus on the other numbers, which are called codes encrypted by the bank.
- GFI code – the code most often needed to make international transfers. With its help, bank accounts are marked, which helps identify transactions carried out outside the country. It consists in entering a prefix before the bank code digits. In the case of Poland, this abbreviation is – PL.
- GL code – a code also used for international communication. It consists of 8 characters, which are selected individually and constitute another, specific identification mark of the owner. Importantly – this code is assigned in all countries, not just Poland. Its task is similar to that of 2 groups of digits in a bank number. It recognizes the type of bank branch.
Credit for young people – what are the chances for credit for young people? Trade credit – how does it work, what benefits does it give and who can take it?