How to find out the owner by the card number

[Father]

Sometimes situations may arise when it is necessary to find out information about the cardholder, having only the number of the payment instrument itself. Most often, this is justified by fraudulent actions on the part of the recipient or incorrectly entered details by the sender. It is possible to find out the owner by the card number, and there are several ways for this.

How to find a fraudster by card number?

Through the bank online system​

Using only the bank card number, some information can be found using the Internet bank. Some, because the system will only report the first name, patronymic and the first letter of the last name. This can be done as follows:

1. find in the bank online service the menu section dedicated to transfers and payments
2. enter the required details
3. without making a transfer, look at the information about the recipient of funds - it should be indicated next to his card number

The system automatically issues the name and patronymic of the recipient of the card already upon entering its number. The rest of the information is not issued, since this would be a violation of bank secrecy about the preservation of personal data. Be careful not to re-make a real money transfer to the same card.

Obtaining information from the bank​

Contact the bank branch (both with a visit and by phone). You will not receive the cardholder's surname under any circumstances. The bank employee will be able to voice only the name and patronymic, and instead of the surname, name its first letter.

This is possible if you wish to make a money transfer to an existing card number. Next, the bank employee will announce the permissible information about the recipient, after which you can refuse to carry out the operation.

How to get money back in case of an erroneous payment​

Act quickly!
If you find an erroneous transfer, immediately call the bank's hotline! If the funds have not yet been credited to the recipient, the transaction will be canceled instantly.

In the vast majority of cases, the refund of the transferred funds is made only with the consent of the recipient. If it is not possible to get his approval, then there is only one way out - to contact the police. But you must be sure that this translation carries a criminal meaning, because the further course of the case may take to become a criminal proceeding.

When carrying out manipulations with accounts of any kind, which are carried out with confirmation in the form of entering a PIN code or a one-time security code received from an SMS message, bank acts only as an intermediary. Therefore, a refund to the sender's card without the addressee's participation is impossible.

This means that you should be more careful when filling out the fields with the details for the transfer, and also more selective about prepaid purchases without any guarantees.

In the event that you stumbled upon a person on the Internet who requires the introduction of at least some part of the cost of the goods, it is better not to make a deal and study the offers of more reliable stores. Or you can ask the seller to pay and ship by cash on delivery:

• the seller sends the ordered goods as a parcel via Russian post
• to the address that was informed in advance, a notification is received that a shipment has arrived in your name
• with this notice and your identity document, go to the post office
• pay the cost of the cargo (will be indicated in the notification) and receive the parcel

There are also risks here, since you will only find out about the contents of the shipment after you have made a payment. However, this way you will have the seller's personal data (must be indicated when sending).