Where is the CVV2 and CVC2 code on the Sberbank card

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Most modern Sberbank cards indicate a special code with which payment systems verify the authenticity of the card. About where the CVV2 and CVC2 codes are located on the Sberbank card, how to use it correctly and hide it from scammers - in this article.

CVV2 /CVC2 - what is it?

All plastic card holders know what a PIN code is, the task of which is to prevent unauthorized actions during operations at ATMs and terminals. In order to protect bank cards on the network, a different type of verification is used, which is abbreviated as CVC2, CVV2, sometimes there is a different abbreviation, but it is not used for Sberbank cards.

A feature of security codes is that they are used to transfer money, purchases, when you need to enter card details to confirm your actions. That is, such a set of numbers indicates the authenticity of the card and that the details did not fall into the hands of scammers.

If there is no CVV2, CVC2 code on the card, then it is impossible to buy goods or services online. Although they have different names, their essence is the same, the differences are due to the fact that each payment system has the right to assign its own abbreviation to cards. So, code:

  • CVV2 - indicated on Visa cards;
  • CVC2 - indicated on MasterCard cards.

Where is he located?

Almost always, the CVV2 / CVC2 code is located on the back of the card on the signature strip. There will be a seven-digit set of numbers, the first 4 of them belong to the number of the card itself. And the last 3 are CVV2, CVC2. It is not difficult to distinguish the security code from the last 4 digits of the card number, they are always separated by a space.

When ordering a virtual card, Sberbank sends this code via SMS. If the code is lost, then you can restore it by calling the support service.

Entry-level cards are not designed for Internet transactions, so they do not have a security code on the surface of a plastic card. It must be requested when issuing a card or, if necessary, by calling the Contact Center.

But, even knowing this code, not all online stores accept entry-level cards for payment.

How to use the CVV2/CVC2 code

So, knowing where the CVV2 and CVC2 code is located on the Sberbank card, you need to consider how to use it correctly. Seeing the requirement to enter the code, you need to register the three numbers indicated on the card. Usually, such information is requested along with the full name, card number, card expiration date.

After filling out the application, you should send it, and then wait for the system to respond that it has been accepted, since payment systems often refuse to conduct transactions.

The reason for this may be the following:

  1. Required details entered incorrectly.
  2. The card is not intended for such operations.
  3. There is no money on the Sberbank card or there is not enough money to complete the operation.
  4. The card has a limit on debiting funds.

Fraud protection and common mistakes when using cards

The bank card itself may not be physically present during the purchase - only information from it is needed. If the fraudster knows the owner's full name, card number, expiration date and the security code CVV2, CVC2 itself, then he will be able to commit fraudulent actions. In the event that the owner of the card does not notice the unauthorized operation, then with a high degree of probability it can be assumed that the money on the card will be irretrievably lost.

Therefore, security codes should be protected from strangers, and they should not be given to little-known, dubious sellers in stores. In addition, cardholders need to be careful, often scammers use tricks. For example, under the guise of well-known online stores, they send advertising letters to e-mail. Then they ask you to leave an application and all the necessary information, including CVV2, CVC2, fall into the hands of scammers. After that, fraudsters can steal all the funds in the account of the cardholder.

Security Recommendations

To avoid trouble when making online payments, remember the following:

  1. You can make purchases, order some services only on large, time-tested Internet resources.
  2. You should indicate personal information, your bank card details only in a special form intended for drawing up an application.
  3. Regularly monitor the balance of your card, you should also use the notification service about the performance of any transactions with money. Moreover, in Sberbank this service is not expensive.
  4. Applying 3D Secure is a modern security technology that allows you to identify the owner of the card in any situation, which eliminates fraudulent activities. Reason: the cardholder must confirm any operation with a one-time password that the system sends to the mobile phone.

You can effectively protect your money by using a separate card for all Internet payments. That is, when you need to make a payment, you should transfer the required amount from the main card to the card for purchases and make a transfer from it. The rest of the time the balance should be zero - this significantly reduces the possibility of fraud. In Sberbank, you can use a virtual card linked to the main one for this purpose.

Also, any cardholder can simply but effectively protect the code by painting it with a marker and periodically updating the “painting”. This will not give an attacker the opportunity to quietly get CVV2, CVC2, and if the owner needs them, then the protective layer can be removed.

This data cannot be read fraudulently from a magnetic tape, as is often the case with a PIN code. Therefore, a frequent reason for the codes to fall into the hands of criminals is precisely the wrong actions of the cardholder himself.  

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