5F54
Bank Identifier Code (BIC)Bank Identifier Code is the ISO 9362 code naming a specific bank - the same BIC/SWIFT code used throughout conventional banking to route international transfers, carried on an EMV card as an optional data element related to the IBAN (5F53, covered alongside it here) it typically accompanies, and to the Issuer Identification Number (42, covered earlier), which is the card-network equivalent of naming an issuer, just via a different identification scheme entirely. A card carrying both 5F54 and 42 is stating the same underlying fact, which bank or issuer this account belongs to, through two different identification systems that serve two different downstream purposes: 42 for card-network processing, 5F54 for conventional bank-to-bank transfers. Like 5F53, its presence on a card is optional and its consumption is entirely out-of-band from the payment transaction itself - a terminal that doesn't read 5F54 hasn't missed anything the transaction needs, since nothing in EMV's authorization or cryptogram logic depends on it. See EMV 4.4 Book 3.
Interactive decoder
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Text (ASCII): TESTBIC1
This tag is not a bitmap; the decoder shows a format-based interpretation.
Decoded example
Example value: 5445535442494331
Properties
| Tag | 5F54 |
|---|---|
| Name | Bank Identifier Code (BIC) |
| Format | Alphanumeric |
| Length | 8–11 bytes |
| Source | Card (ICC) |
| Templates | BF0C |
| Books | EMV 4.4 Book 3 |
Frequently asked questions
- What is EMV tag 5F54?
- Bank Identifier Code is the ISO 9362 code naming a specific bank - the same BIC/SWIFT code used throughout conventional banking to route international transfers, carried on an EMV card as an optional data element related to the IBAN (5F53, covered alongside it here) it typically accompanies, and to the Issuer Identification Number (42, covered earlier), which is the card-network equivalent of naming an issuer, just via a different identification scheme entirely. A card carrying both 5F54 and 42 is stating the same underlying fact, which bank or issuer this account belongs to, through two different identification systems that serve two different downstream purposes: 42 for card-network processing, 5F54 for conventional bank-to-bank transfers. Like 5F53, its presence on a card is optional and its consumption is entirely out-of-band from the payment transaction itself - a terminal that doesn't read 5F54 hasn't missed anything the transaction needs, since nothing in EMV's authorization or cryptogram logic depends on it. See EMV 4.4 Book 3.
- What format and length does EMV tag 5F54 use?
- Tag 5F54 uses the Alphanumeric format and is normally 8–11 bytes long.
- Is tag 5F54 provided by the card or the terminal?
- Tag 5F54 (Bank Identifier Code (BIC)) is provided by the Card (ICC).
Sources
- EMV_v4.4_Book_3_Application_Specification, p. 140
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