What Can People Do With Your Bank Account Number

I know if someone knows your 16 digit credit card number, your name and your 3 digit security code then they tin hack into it and take money out but what if they simply know the name, sort code and 8 digit account number? Tin they do anything with information technology?

(Original mail by h4mza)
I know if someone knows your 16 digit credit card number, your name and your 3 digit security code then they tin hack into it and have money out but what if they only know the name, sort code and viii digit account number? Tin can they do anything with it?

the sort code and account number are the two most valuable pieces of data they tin get, and if they too have your name, they can very easily empty out said person's account, not sure how they exercise it, but i know that those three bits of info are the one y'all HAVE TO KEEP Safe

if y'all think some third political party has them and you don't desire them to (ie you think your business relationship or card may have been cloned) get on the phone to your banking company Immediately! and tell them, they can freeze your business relationship etc.

(Original post past Tcrumpen)
the sort code and account number are the ii near valuable pieces of information they tin can get, and if they too have your name, they can very easily empty out said person's account, not sure how they do it, merely i know that those three bits of info are the one you Take TO Go along SAFE

if you think some third party has them and y'all don't want them to (ie y'all think your account or carte may have been cloned) get on the phone to your depository financial institution Immediately! and tell them, they can freeze your business relationship etc.

Well I actually sold something and wanted them to pay bank transfer, so I gave them my account number and sort code. I've heard they tin can merely make payment into it and nothing more. They too gave me their address where I could post the item to. Is there anything to worry about or am I safe? Many people do BT only this was my offset time always, and then I'm slightly worried lol

(Original postal service past Tcrumpen)
the sort code and account number are the two most valuable pieces of information they can become, and if they likewise have your name, they can very hands empty out said person's account, not sure how they exercise it, but i know that those iii $.25 of info are the one you HAVE TO Keep Condom

if you think some third party has them and you don't want them to (ie you call back your account or carte du jour may have been cloned) get on the telephone to your bank Immediately! and tell them, they can freeze your account etc.

That is incorrect. People give out their banking concern account number and sort code all the time. I'm watching some fundraising clemency plan on idiot box right now and they've got their account number and sort code clearly disaplyed on the screen. With an a/c no and sort lawmaking, you can just make a payment to the account.

(Original post by Hustler-1337)
That is incorrect. People give out their depository financial institution account number and sort code all the time. I'm watching some fundraising charity programme on tv right at present and they've got their account number and sort lawmaking conspicuously disaplyed on the screen. With an a/c no and sort code, you can only make a payment to the account.

That information can be used to make a directly debit payment equally well, although the address might also be required. See http://news.bbc.co.britain/1/hi/7174760.stm

(Original mail by h4mza)
Well I actually sold something and wanted them to pay bank transfer, and so I gave them my account number and sort code. I've heard they can only brand payment into it and nothing more than. They besides gave me their address where I could postal service the item to. Is at that place anything to worry nigh or am I rubber? Many people do BT but this was my offset time e'er, then I'chiliad slightly worried lol

Can't you lot ask them to send the coin via PayPal?

(Original post by CapoDiTuttiCapi)
Can't you ask them to transport the money via PayPal?

Paypal is less safe

Posted from TSR Mobile

How so? All they need is your email address to ship you money

Beloved the idiots on here lol. They tin't do with much the account number and sort lawmaking. Jeremy clarkson gave his out the other year to prove information technology, all that happened is one person managed to ready up a direct debit to a charity.

Also they tin can't really hack into your account and do annihilation with the front number and iii digits. They can however order stuff online with it, so they tin can steal it this mode.

Posted from TSR Mobile

(Original mail by kumori)
Beloved the idiots on here lol. They can't do with much the account number and sort lawmaking. Jeremy clarkson gave his out the other twelvemonth to prove it, all that happened is 1 person managed to set up a direct debit to a clemency.

If multiple people fix direct debits on my account then plain that would be pretty bad, just surely even i person being able to do this is unacceptable too?

Card number + Security Number + Name + Expiry = Make clean Out time on Amazon.com

No one can get into your business relationship though, depository financial institution accounts are protected online by 256 bit AES. No physical commercial calculator currently has the computing power to hack 256 bit AES, not saying the military don't though.

(Original postal service by ttoby)
If multiple people fix direct debits on my account so obviously that would be pretty bad, but surely even one person being able to do this is unacceptable as well?

Direct debit guarantee. Yous're guaranteed a total immediate refund.

(Original mail by Juno)
Straight debit guarantee. You lot're guaranteed a full firsthand refund.

That gives some reassurance. But fifty-fifty then, it's a big inconvenience to have a sizeable chunk of money missing from the account for a short flow of fourth dimension - y'all might take needed to make a large hire payment for instance, and you lot'd take to have fourth dimension investigating it and request for the money dorsum. Likewise as a general matter of principle, criminals should not be able to take money from my bank business relationship at all, fifty-fifty if it'southward only for a brusk period of time.

(Original post by ttoby)
That gives some reassurance. Only fifty-fifty so, it's a large inconvenience to have a sizeable chunk of money missing from the account for a short period of time - you might have needed to make a large rent payment for instance, and you lot'd have to take fourth dimension investigating it and asking for the money back. Besides as a full general affair of principle, criminals should non exist able to take coin from my bank account at all, even if information technology's but for a short period of time.

Aye but it'southward nevertheless safe. Much safer than fraud protection on plastic.

With simply your name, the card number and your sort code, money can only exist put into your account so you are ok

Do non requite out the iii digit security code though or they tin purchase things online with your card!

(Original post past ttoby)
That gives some reassurance. Only withal, information technology'southward a big inconvenience to accept a sizeable chunk of money missing from the account for a short period of time - you might have needed to make a large hire payment for example, and you'd have to take time investigating information technology and asking for the money dorsum. Also equally a general matter of principle, criminals should not be able to take money from my banking concern business relationship at all, even if it'due south only for a short catamenia of time.

But at that place'south e'er going to exist some level of risk. Companies won't know if something is fraud or real unless they have so much security and ask hundreds of questions - and fifty-fifty then it could be a existent transaction just the account holder forgot the password.

Y'all wouldn't want to be queuing in Tesco for ages but because they had to check each transaction thoroughly - because that's what you're suggesting.

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(Original post by advice_guru)
Card number + Security Number + Name + Decease = Clean Out time on Amazon.com

No one can get into your account though, bank accounts are protected online past 256 bit AES. No physical commercial estimator currently has the computing ability to hack 256 flake AES, not saying the military don't though.

e'er heard of cloud computing genius?
either way a dead card is exactly that deadthe numbers are of little help, especially seeing every bit you cant go online shopping with one without the billing address and most banks have an online verifiaction system in place anyhow so no they cant exercise much.

(Original mail past Juno)
Simply there'south always going to be some level of risk. Companies won't know if something is fraud or existent unless they have and then much security and enquire hundreds of questions - and even then information technology could be a real transaction but the account holder forgot the password.

You wouldn't want to be queuing in Tesco for ages just considering they had to check each transaction thoroughly - because that's what y'all're suggesting.

Posted from TSR Mobile

But there are checks in Tesco - you take to blazon in your Pivot, and as well it works the other manner equally when you get to enter your PIN you have the total corporeality displayed and then you can see if something is wrong. I'm not suggesting adding to this process - my view is that the procedure of signing upwards to a direct debit should be changed to use debit carte du jour details instead of bank account details.

(Original post past ttoby)
But in that location are checks in Tesco - you lot have to blazon in your Pin, and also it works the other mode as when you go to enter your Pin you lot take the full amount displayed so you can see if something is incorrect. I'm not suggesting adding to this procedure - my view is that the procedure of signing up to a direct debit should exist changed to use debit card details instead of banking company business relationship details.

There is a check - the banking company writes to you lot.

Too, just companies can set up straight debits. If i have your details, i can't do good - i tin club something similar a mag but it'due south set upward for the future so likely you'll flag it up earlier i become anything. If i have your card details at that place's a take a chance i get stuff before you realise.

And also, y'all rarely give out account details so nobody can become them by blow. Y'all give out your card details more often - buying online or over the phone is common, or they're on your menu (some cards have account details on but not all) - so there'south more chance for them to go astray.

Posted from TSR Mobile

I don't experience that's sufficient. But then, as you say, naught is 100% secure so I'm happy to disagree on which exact measures are acceptable.

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Source: https://www.thestudentroom.co.uk/showthread.php?t=2414010