Credit card numbers explained
You probably think you should know what all the numbers mean on a credit card, but why would you if you’ve never had one before? Our guide breaks it down for you.
Key takeaways
The long credit card number uniquely identifies your card. It comprises the bank identification number (BIN), your account number, and a check digit at the end for verifying authenticity
Common uses for a credit card number include online shopping, booking flights and hotels, and setting up automatic payments for recurring charges
Additional numbers on a credit card, such as the security code (CVV), expiration date, and issue number, enhance transaction security and help manage card validity and replacement
What is a credit card number?
A credit card number serves as a unique identifier for your card. It is not merely a random sequence of digits. Each number is structured to include information about the card issuer and your account.
When you make a purchase, this number verifies available funds and processes the transaction securely.
The structure includes a bank identification number (BIN) that identifies the issuing institution. It is followed by an account number and a check digit. The check digit is used to verify the card’s authenticity.
Find out more with our 'what is a credit card' guide page.
When will I need to use my credit card number?
Your credit card number is essential in several everyday situations. Here are the most common scenarios where you'll need it:
Online shopping
You're buying books, clothes, or electronics, for example. You’ll need to enter your credit card number at the online checkout to complete your purchase.
Booking flights or hotels
Planning a holiday or business trip? You'll usually need your credit card number to secure hotel bookings, hire cars and other reservations, even if you don't pay until later.
Setting up automatic payments
Your credit card number can be used to set up recurring payments for bills such as utilities and subscriptions. Once authorised, payments are taken automatically, helping you avoid missed payments.
What is the difference between my credit card number and my account number?
Understanding the distinctions between your credit card number and your account number is crucial.
A credit card number specifically identifies your card. This number is the long series of digits on the front or back of your card.
Conversely, an account number is tied directly to your bank account. It is used primarily for direct debits, bank transfers, or receiving money.
Each number plays a pivotal role in banking. The credit card number facilitates daily purchases and online shopping.
Meanwhile, the account number is essential for broader financial management and receiving funds.
Will my credit card number change when I get a new card?
When you receive a new credit card, the number may change based on several factors. If your card has expired or is reported lost or stolen, a new number is typically issued.
This step helps protect your financial security by preventing potential fraudulent use of the old number. Learn more about credit card security.
However, if you're receiving a new card due to the expiration of your old one, the issuer might keep the same card number.
It's crucial to activate the new card as per the provided instructions. Activation usually involves calling a secure phone number or registering the card through your bank's online system.
Whenever you get a new card number, remember to update your details with any services where your card is used for automatic payments.
This includes subscriptions, utility providers, and online shopping sites. Updating ensures continuous service and prevents payment disruptions.
What are the other numbers that are found on a credit card?
Security code (CVV)
The Card Verification Value (CVV) is a three or four-digit security code printed on your credit card. On most cards it appears on the back, while on American Express cards it is on the front. The CVV provides an extra layer of security by helping verify that the person making a purchase has the physical card.
Expiration date
The expiration date is usually printed on the front of your card, although some cards display it on the back. It shows when the card expires and helps your card issuer know when to send a replacement. It is also used as an additional security check when making purchases online or over the phone.
Issue number
An issue number was once used on some UK payment cards to distinguish between different versions of the same card account after a replacement or renewal. It helped identify the most recent card if an earlier one had been lost or replaced. Issue numbers are now uncommon and most modern credit cards do not include one.
Compare credit cards with MoneySuperMarket
If you’re looking for a credit card, it’s quick and easy to compare with MoneySuperMarket.
Our eligibility checker tool shows you the cards you’re most likely to be approved for by doing a ‘soft’ credit search, which won’t affect your credit score.
You'll be shown a range of credit cards, which you'll be able to sort according to features such as interest rate, length of interest-free period and your chances of being approved, before making a final decision. That way you can apply with greater confidence.
MoneySuperMarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead, we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.
Author
Tim Heming
Personal Finance Expert
Tim Heming is a journalist and editor who has written about personal finance for national newspapers and consumer websites for 15 years. Tim enjoys providing no-nonsense information to help consumers...
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Collette Shackleton
Content Writer
Collette is an experienced Content Writer at MoneySuperMarket, helping people make sense of money and insurance topics without the jargon. She shares her experience as a first-time Mum and top...
