Why do you need to know the bank account number?:Where can I find my check routing number?

account number

Nowadays, we can access our bank accounts through the Internet and even link these to payment and collection systems, such as Paypal. Technology makes things easier for us when it comes to managing bank accounts. But what if we need to know our exact bank account number?

The bank account number (or bank account numbers ) is not randomly assigned. The bank account number is a code that is possible to deduce and precise to know. The composition of the account number is made based on each entity, branch, and client, with a control digit to avoid errors.

What is the bank account number?

Although it may seem easy to know the number of your bank account, many people once opened an account and who have never needed to give numbers other than their credit card numbers.

Bank account numbers are the numbers assigned to each of a bank’s customer accounts. In this way, if you need, for example, to make a money transfer, the first thing they will ask you is which is the original account (from which the money is going to be transferred) and which is the destination account.

When we open a bank account, the most common thing is that the bank provides us with a book known as a savings book or bank book, and on the first page the digits of the entire account that we have assigned appear. Today and although the notebooks continue to be given with each new account. Few of us still use them, the reason is that many of us operate with our bank from the computer and even from the mobile. And the truth is that sometimes it is difficult for us to find that account number that I am talking about.

In short, the bank account number is a way of establishing a mathematical code for the bank account. So that:

  1. Its easy and quick identification is possible.
  2. It cannot be confused with another account, either of the same owner or a different one.

To do this, a series of 20 digits has been established that form a structure. Next, we will discuss what these digits are and what they mean.

What are the digits of the bank account and what do they refer to?

Before seeing how to know the bank account numbers, I also have to point out that they have a total of 20 digits that have this structure:

  • The code of the bank to which the account belongs (4 digits). This code is assigned by the Bank of Spain to each of the entities that operate in our country.
  • The branch code where the account was opened (4 digits). Each office within the entity itself has an assigned code. The code of the branch where the account opening contract is signed appears in the number.
  • control number is called a check digit, which prevents keyboard errors (2 digits). It is a mathematical algorithm that guarantees not to make mistakes when offering the whole number. If even one of the numbers were wrong, the algorithm would no longer be the same.
  • And finally, the account number (10 digits) is unique for each client. This number is assigned by the branch itself to each itemized account.

This type of structure is called a SICA key. All the digits are quite easy to memorize when we have several accounts and all in the same bank since normally the code of the bank and the branch (if we have opened them all in the same bank and branch) and only the control digit will change which is calculated based on the bank code, the branch code and the account number through a mathematical formula. That control number is the one that you can verify later (in case we have problems in any transaction) if the account number is correct or not.

The bank account numbers plus some numbers at the beginning, make up the IBAN (International Bank Account Number). Specifically, they are the numbers seen plus 4 characters at the beginning of the number:

  • 2 characters that correspond to the country code (example: ES for Spain)
  • 2 digits that correspond to another control code (right next to the country code.

This number plus the bank account numbers are necessary to make transfers in any of the countries in the SEPA zone. The IBAN  is an identification number that, as can be verified, is born from the national identifier number (the same structure). Adding this series to the beginning (the two characters plus the two digits next to it) establishes a valid code for transfers within the European Union.

Adding all these numbers, according to the defined structure, we obtain the bank account number. In other words, the account number is a whole, an aggregate of all the codes described. In the same order (except the IBAN code, which is placed at the beginning of everything).

How to find bank account numbers

If you need to know what your bank account numbers are, we can follow a series of simple steps and you will see that in just a few minutes you will get your answer.

Why do I need to know the bank account numbers? You must wonder. Before I already mentioned the possibility that you have to make a transfer, but the truth is that the number will be necessary whenever you want to domicile a payment, when you want to collect your payroll or if you have to make some payments online, where numbers are usually given credit or debit cards, but they can also ask us for those 20 digits that we saw before.

The control number guarantees that there are no errors. This is because it is based on a mathematical calculation that takes the other numbers as its source. As long as one of the numbers is wrong, said calculation will be different and will return a different control number. Therefore the entire numerical set of bank accounts will be wrong. This is why it is impossible to make a mistake when entering the number. Either it is correct or it is incorrect, resulting in an error in the operation. There is no possibility of making a mistake and taking another client’s account as the destination.

If you don’t know your bank account number

If you do not know what your bank account number is, you can do the following:

Look for the account passbook they gave you when you opened this account. The full number with all the digits usually appears on the first page. You will see it because they are separated by bank code, branch code, control digit, and last account number. These numbers are the bank account numbers.

If you don’t have such a passbook but you do have checks provided by the bank, you can grab one of these and note that most have three sets of numbers at the bottom. The first is a nine-digit number that begins with a line and a colon and is the bank routing number. The second is a four-digit number which is the check number. The account number, 12 digits beginning with three zeros, is usually between the routing number and the check number.

If you don’t have a check either, your bank may send you monthly statements of your operations. Look for an extract and notice that it is usually at the top and arranged in the same way that I have explained to you with the number in the bank book.

Another option is to search for the number on the Internet and within the online account, you have through your bank. Enter your access code and password and access the “Accounts” section where we usually check the balance of our account. The 20-digit bank account number usually appears in the upper area.

Finally, you have the option of going to your bank (or calling by phone), where they will provide you with the account number without problems, although you must provide your ID so that they can verify that you are indeed a customer of that bank or you can also present your card credit or debit card linked to the account in question.

It is a good option to keep in mind a contact mechanism with the alternative bank, in case our Internet connection fails or there is a failure in the system or computer platform. We must always keep in mind a telephone number as an auxiliary mechanism.

You see that in the absence of some memory (it is difficult to learn so many digits at the same time) it is not complicated to find out the bank account numbers and as we have several options to find it.

Finally, you can open your bank’s application or online banking, either from your computer or from your bank’s mobile app. In any of the ways, you can locate your bank account number, as well as other numbers, such as those corresponding to the credit or debit card or cards that you have contracted.

By aamritri

Leave a Reply

Your email address will not be published.

Related Posts