account number on debit card

What Is the Account Number on a Debit Card?

Modern-day banking has made transactions smoother than ever! All thanks to debit cards, now you can avoid carrying heaps of cash in your wallet. The debit card is used for regular transactions. The debit card can make your banking transactions easy. At the heart of every debit card lies an important piece of information – your card number. This card number has multiple uses, like bank transfers or accessing your funds. It even ensures the safety of your finances. 

Everything you need to know about the account number in ATM card:

What is the account number on a debit card?

The account number in an ATM card is a unique identifier that can link your card to your bank account. It is a series of digits assigned by your bank. It typically ranges from 10 to 12 digits in length. This card number serves to bridge you and your bank account. It allows you to make withdrawals, deposits, payments etc. Keeping your card number to yourself is important to protect your financial security.

Understanding the ATM card: more than just a plastic card

Most of us use the terms "debit card" and "ATM card" as one. While you may find some similarities, they have different purposes. An ATM card helps you to withdraw/deposit cash and check your account balance from the ATMs. It links your bank account and the account number, ensuring a secure connection between your card and your funds. On the other hand, a debit can be used to make payments for your purchase on online and offline stores. 

How to access ATM card details with just an account number 

Sometimes, you might not have your ATM card on hand but need to access its details. You can securely use your account number if you've misplaced your card or need to make online transactions. Here's how you can retrieve your ATM card details by account number:

  1. Online Banking: Most banks provide online banking services that allow you to log in to your account and view your card number along with other account details.
  2. Mobile Banking Apps: Banking apps provided by your bank also offer the convenience of accessing your account on the go.
  3. Bank Statements: Regularly reviewing your bank statements, either online or in physical form, can provide your account number.
  4. Contacting Customer Service: If all else fails, contacting your bank's customer service can help you retrieve your account number. There might be a requirement for you to complete KYC before disclosing this sensitive information.

The importance of the account number

Your account number is a critical piece of information that ensures the smooth functioning of your financial transactions. Here are some key aspects of its importance:

1. Withdrawals

When you use an ATM to withdraw cash, your account number is used to link your card to your account, allowing you to access your funds securely.

2. Deposits

When you deposit money into your account through an ATM, in-branch or through a mobile banking app, your account number helps the bank identify the correct account to credit the funds.

3. Online and Point of Sale (POS) Transactions

For online purchases and POS transactions, your account number is used to authorise payments and deduct the necessary funds from your account.

4. Account Verification

When you set up direct deposits or link your account to various financial services, your account number is crucial for verification.

Where can you find your bank account number on an ATM card?

Your bank account number is a crucial piece of information when it comes to financial transactions and managing your funds. But where exactly can you locate your account number on your ATM card, and how can you easily access it when needed?

The card number on an ATM card is typically found on the front side of your card, embossed or printed on it. It's usually a multi-digit number unique to your account. To know how to know the bank account number from an ATM card, follow these steps:

1. Front of the Card

Look at the front side of your ATM card, where your card number is often displayed. It's usually placed beneath or above your name and the card's expiration date.

2. Check your Statements

If you can't find it on your card or want to verify, you can refer to your bank statements. Bank statements provide a detailed summary of your account activity, including your account number.

3. Use Online Banking

If you have access to online banking, log in to your account to easily find your account number along with other account details.

4. Contact Customer Service

If you're unable to locate your account number through the methods above, consider reaching out to your bank's customer service. They can guide you through the process and might require you to complete the necessary security checks to disclose this sensitive information.

Being aware of where to find your bank account number on your ATM card is essential for secure and convenient banking. It allows you to make transactions, set up direct deposits, and manage your finances with ease.

Enhancing savings through debit card account numbers

Savings accounts are closely linked to your debit cards, serving as a means to save money and accrue substantial interest on your deposits. The account number on debit card is intricately associated with your savings account, granting you convenient access and management of your savings.
In recent years, banks such as Kotak811 have introduced innovative digital Savings Accounts, simplifying banking transactions. This eliminates the need to maintain a minimum balance, making it an appealing option for those who may not have substantial savings or prefer to keep their funds accessible.

Kotak811's Zero Balance Savings Account offers a range of attractive features, revolutionising your banking experience with seamless digital access. Notably, it provides FD-like interest rates, allowing your savings to grow. Moreover, it includes a free virtual debit card with complimentary insurance coverage. Your 811 debit card offers Card Protection Liability Cover up to Rs. 2.5 Lakhs and Purchase Protection Cover up to Rs. 50,000, ensuring the security of your financial assets while maximising your savings.


In summary, the number placed on a debit card can help us in many ways. It connects our card to our bank account. It also makes our transactions smooth and easy. The card ensures that your funds are safe and secure while simplifying your banking experience. While the terms "debit card" and "ATM card" are often used as one, it's important to understand their differences. Whether you have a traditional savings account or a zero balance savings account, your account number remains the key to managing your finances.