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97-594: The BSB identifier consists of six numerals, the first two or three of which is a bank identifier. Many banks only have one BSB for all branches and accounts. The BSB is used for processing of paper and electronic transactions, but not in payment card numbering . In Australia, the Australian Payments Network (AusPayNet) is now the regulatory body of cheque clearances and of the BSB codes in Australia. AusPayNet assigns

194-447: A card number , is the card identifier found on payment cards , such as credit cards and debit cards , as well as stored-value cards , gift cards and other similar cards. In some situations the card number is referred to as a bank card number . The card number is primarily a card identifier and may not directly identify the bank account number(s) to which the card is/are linked by the issuing entity. The card number prefix identifies

291-803: A fair trial . The English monarchs, through inheritance of substantial territories in France and claims to the French crown, were also heavily involved in conflicts in France, most notably the Hundred Years' War , while the Kings of Scots were in an alliance with the French during this period. Early modern Britain saw religious conflict resulting from the Reformation and the introduction of Protestant state churches in each country. The English Reformation ushered in political, constitutional, social and cultural change in

388-509: A subpolar oceanic climate . Higher elevations in Scotland experience a continental subarctic climate and the mountains experience a tundra climate . The prevailing wind is from the southwest and bears frequent spells of mild and wet weather from the Atlantic Ocean, although the eastern parts are mostly sheltered from this wind. Since the majority of the rain falls over the western regions,

485-587: A welfare state was established, and a comprehensive, publicly funded healthcare system, the National Health Service , was created. The rise of nationalism in the colonies coincided with Britain's much-diminished economic position, so that a policy of decolonisation was unavoidable. Independence was granted to India and Pakistan in 1947. Over the next three decades, most colonies of the British Empire gained their independence, and many became members of

582-643: A 'BIN sponsor', in which case the IIN/BIN number is effectively sub-licensed from a scheme regulated entity. This is known as BIN sponsorship, and is a popular way for financial institutions to fast-track access to market. In the United States, IINs are also used in NCPDP pharmacy claims to identify processors, and are printed on all pharmacy insurance cards. IINs are the primary routing mechanism for real-time claims. The ISO Register of Issuer Identification Numbers database

679-487: A bank account in the United States. Payment card numbers are composed of 8 to 19 digits, The leading six or eight digits are the issuer identification number (IIN) sometimes referred to as the bank identification number (BIN). The remaining numbers, except the last digit, are the individual account identification number. The last digit is the Luhn check digit. IINs and PANs have a certain level of internal structure and share

776-622: A building society in Victoria but now uses a single BSB nationally (633-000) while the Queensland-based Heritage Bank , also a former building society, uses 638xxx. Suncorp Bank uses 484-799 for all deposit accounts regardless of which branch or state the account was opened in. Furthermore, recent changes in Australia's financial system have allowed larger building societies and credit unions to establish their own BSBs, even if they are using an intermediary. Having their own BSB allows

873-439: A common numbering scheme set by ISO/IEC 7812. The parts of the number are as follows: The first six or eight digits of a card number (including the initial MII digit) are known as the issuer identification number (IIN). These identify the card issuing institution that issued the card to the card holder. The rest of the number is allocated by the card issuer. The card number's length is its number of digits. Many card issuers print

970-458: A comparable BSB identifier system was introduced in Australia in the early 1970s to streamline cheque clearance through the banking system in Australia . At the time the clearance systems were open only to financial institutions registered as banks. The BSB and account number was printed on cheques in MICR format to streamline the process of data capture as well as for mechanical sorting and bundling of

1067-411: A few account ranges (forty as of 11 December 2013) dedicated to 13 digit PANs and several (439 as of 11 December2013) account ranges where the issuer can mix 13 and 16 digit card numbers. Visa's VPay brand can specify PAN lengths from 13 to 19 digits and so card numbers of more than 16 digits are now being seen. Switch was re-branded as Maestro in mid-2007. In 2011, UK domestic Maestro (formerly Switch)

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1164-447: A financial institution to create new products and offer additional services. Historically, the major banks structured their BSB codes by states. This is largely historic and have only limited significance in electronic banking. For those that still maintain state codes, the state code is the first of the four digit branch field, as follows: Bank card number A payment card number , primary account number ( PAN ), or simply

1261-456: A leading role in the movement to abolish slavery worldwide through the blockade of Africa and pressing other nations to end their trade with a series of treaties. In 1800 the parliaments of Great Britain and Ireland each passed an Act of Union, uniting the two kingdoms and creating the United Kingdom of Great Britain and Ireland on 1 January 1801. After the defeat of France at the end of

1358-546: A new series of BIN ranges that begin with a "2" (222100–272099). The "2" series BINs will be processed the same as the "51–55" series BINs are today. They became active 14 October 2016. On 23 July 2014 JSC NSPK was established in the Russian Federation. The joint stock company National System of Payment Cards (NSPK) is the operator of the Mir National Payment System. The main initiatives of NSPK are to create

1455-663: A payee's PayID must be given for the payee account to be credited. Electronic direct entry transactions are processed under the Bulk Electronic Clearing System (BECS) (also known as CS2) drawn up by AusPayNet. NPP transactions are processed under the NPP Regulations administered by NPP Australia Limited. The requirement for two-sided BSBs is eased in transactions involving payment cards , such as credit cards or debit cards , and in BPAY transactions, in which one side of

1552-818: A policy of splendid isolation in Europe, and attempted to contain Russian influence in Afghanistan and Persia , in what came to be known as the Great Game . During this time, Canada , Australia and New Zealand were granted self-governing dominion status. At the turn of the century, Britain's industrial dominance became challenged by the German Empire and the United States . The Edwardian era saw social reform and home rule for Ireland become important domestic issues, while

1649-504: A result of a shortage of workers in the 1950s, the government encouraged immigration from Commonwealth countries . In the following decades, the UK became a more multi-ethnic society. Despite rising living standards in the late 1950s and 1960s, the UK's economic performance was less successful than many of its main competitors such as France, West Germany and Japan. The UK was the first democratic nation to lower its voting age to 18 in 1969. In

1746-777: A series of connected wars (including the English Civil War ) which led to the temporary overthrow of the monarchy, with the execution of King Charles I , and the establishment of the short-lived unitary republic of the Commonwealth of England , Scotland and Ireland. Although the monarchy was restored , the Interregnum along with the Glorious Revolution of 1688 and the subsequent Bill of Rights 1689 in England and Claim of Right Act 1689 in Scotland ensured that, unlike much of

1843-476: Is administered by Indue . In these situations, the building society or credit union is identified by the 'state' and 'branch' components of the BSB whereas the 'bank' refers to the intermediary. Depending on the intermediary used, building societies (both current and former) BSBs generally start with 63xxxx and most credit unions BSBs will use either 704xxx or 80xxxx. The state code structure is not always used in these situations. For example, Bendigo Bank started as

1940-673: Is managed by the American Bankers Association . ABA is the Registration Authority for this standard and is responsible for allocating IINs to issuers. Online merchants may use IIN lookups to help validate transactions. For example, if a card's IIN indicates a bank in one country, while the customer's billing address is in another, the transaction may call for extra scrutiny. On 8 November 2004, Mastercard and Diners Club formed an alliance. Diners Club cards issued in Canada and

2037-481: Is only the one specific nominal term 'Great Britain' which invariably excludes Northern Ireland". The BBC historically preferred to use "Britain" as shorthand only for Great Britain, though the present style guide does not take a position except that "Great Britain" excludes Northern Ireland. The adjective "British" is commonly used to refer to matters relating to the United Kingdom and is used in law to refer to United Kingdom citizenship and nationality . People of

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2134-525: Is ranked 2nd out of 180 countries in the Environmental Performance Index . A law has been passed that UK greenhouse gas emissions will be net zero by 2050. England accounts for 53 per cent of the UK, covering 50,350 square miles (130,395 km ). Most of the country consists of lowland terrain, with upland and mountainous terrain northwest of the Tees–Exe line which roughly divides

2231-592: Is sometimes used as a loose synonym for the United Kingdom as a whole. The word England is occasionally used incorrectly to refer to the United Kingdom as a whole, a mistake principally made by people from outside the UK. The term "Britain" is used as a synonym for Great Britain , but also sometimes for the United Kingdom. Usage is mixed: the UK Government prefers to use the term "UK" rather than "Britain" or "British" on its website (except when referring to embassies), while acknowledging that both terms refer to

2328-565: Is the Isle of Wight . Scotland accounts for 32 per cent of the UK, covering 30,410 square miles (78,772 km ). This includes nearly 800 islands , notably the Hebrides , Orkney Islands and Shetland Islands. Scotland is the most mountainous constituent country of the UK, the Highlands to the north and west are the more rugged region containing the majority of Scotland's mountainous land, including

2425-488: Is typically embossed on the front of a payment card, and is encoded on the magnetic stripe and chip, but may also be imprinted on the back of the card. The payment card number differs from the Business Identifier Code (BIC/ISO 9362, a normalized code—also known as Business Identifier Code, Bank International Code or SWIFT code). It also differs from Universal Payment Identification Code , another identifier for

2522-572: The 1884 Reform Act championed by William Gladstone granting suffrage to a majority of males for the first time. The British population increased at a dramatic rate, accompanied by rapid urbanisation , causing significant social and economic stresses. By the late 19th century, the Conservatives under Benjamin Disraeli and Lord Salisbury initiated a period of imperial expansion in Africa , maintained

2619-524: The Atlantic slave trade , mainly between 1662 and 1807 when British or British-colonial slave ships transported nearly 3.3 million slaves from Africa. The slaves were taken to work on plantations , principally in the Caribbean but also North America . However, with pressure from the abolitionism movement , Parliament banned the trade in 1807, banned slavery in the British Empire in 1833, and Britain took

2716-415: The Australian Payments Network (AusPayNet). BSB codes are used in a number of payment systems in Australia. To access the various clearance systems a financial institution must have its own BSB or use an intermediary with a BSB. Cheques are the least used form of non-cash payment in Australia, but the most by value. Financial institutions are required to include BSB and bank account numbers on cheques, at

2813-624: The Battle of Culloden in 1746, after which the Scottish Highlanders were forcibly assimilated into Scotland by revoking the feudal independence of clan chiefs . The British colonies in North America that broke away in the American War of Independence became the United States . British imperial ambition turned towards Asia, particularly to India . British merchants played a leading part in

2910-693: The Cairngorms , Loch Lomond and The Trossachs and Ben Nevis which at 1,345 metres (4,413 ft) is the highest point in the British Isles. Wales accounts for less than 9 per cent of the UK, covering 8,020 square miles (20,779 km ). Wales is mostly mountainous, though South Wales is less mountainous than North and mid Wales . The highest mountains in Wales are in Snowdonia and include Snowdon ( Welsh : Yr Wyddfa ) which, at 1,085 metres (3,560 ft),

3007-512: The Commonwealth of Nations . The UK was the third country to develop a nuclear weapons arsenal (with its first atomic bomb test, Operation Hurricane , in 1952), but the post-war limits of Britain's international role were illustrated by the Suez Crisis of 1956. The international spread of the English language ensured the continuing international influence of its literature and culture . As

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3104-675: The European Convention on Human Rights . The UK remained a great power with global diplomatic and military influence and a leading role in the United Nations and NATO . The UK broadly supported the United States' approach to the " war on terror " in the early 21st century. British troops fought in the War in Afghanistan , but controversy surrounded Britain's military deployment in Iraq , which saw

3201-568: The European Union (EU) in 1992, the UK was one of the 12 founding member states. From the late 1960s, Northern Ireland suffered communal and paramilitary violence (sometimes affecting other parts of the UK) conventionally known as the Troubles . It is usually considered to have ended with the 1998 Belfast "Good Friday" Agreement . Following a period of widespread economic slowdown and industrial strife in

3298-486: The Falkland Islands , leading to the 10-week Falklands War in which Argentine forces were defeated. The inhabitants of the islands are predominantly descendants of British settlers, and strongly favour British sovereignty, expressed in a 2013 referendum . From 1984, the UK economy was helped by the inflow of substantial North Sea oil revenues. Another British overseas territory, Gibraltar , ceded to Great Britain in

3395-527: The French Revolutionary Wars and Napoleonic Wars (1792–1815), the United Kingdom emerged as the principal naval and imperial power (with London the largest city in the world from about 1830). Unchallenged at sea , British dominance was later described as Pax Britannica ("British Peace"), a period of relative peace among the great powers (1815–1914) during which the British Empire became

3492-630: The Labour Party emerged from an alliance of trade unions and small socialist groups in 1900, and suffragettes campaigned for women's right to vote. Britain was one of the principal Allies that defeated the Central Powers in the First World War (1914–1918). Alongside their French, Russian and (after 1917) American counterparts, British armed forces were engaged across much of the British Empire and in several regions of Europe, particularly on

3589-622: The Representation of the People Act 1918 . After the war, Britain became a permanent member of the Executive Council of the League of Nations and received a mandate over a number of former German and Ottoman colonies. Under the leadership of David Lloyd George , the British Empire reached its greatest extent, covering a fifth of the world's land surface and a quarter of its population. By

3686-651: The Roman departure was followed by Anglo-Saxon settlement . In 1066, the Normans conquered England . With the end of the Wars of the Roses the English state stabilised and began to grow in power, resulting by the 16th century in the annexation of Wales , the domination of Scotland , and the establishment of the British Empire . Over the course of the 17th century, the role of the British monarchy

3783-459: The Royal and Parliamentary Titles Act 1927 created the present United Kingdom. The UK became the first industrialised country and was the world's foremost power for the majority of the 19th and early 20th centuries, particularly during the " Pax Britannica " between 1815 and 1914. At its height in the 1920s, the British Empire encompassed almost a quarter of the world's landmass and population, and

3880-925: The Soviet Union formed in 1941, leading the Allies against the Axis powers . There were eventual hard-fought victories in the Battle of the Atlantic , the North Africa campaign and the Italian campaign . British forces played important roles in the Normandy landings of 1944 and the liberation of Europe . The British Army led the Burma campaign against Japan, and the British Pacific Fleet fought Japan at sea. British scientists contributed to

3977-504: The Western Front . The high fatalities of trench warfare caused the loss of much of a generation of men, with lasting social effects in the nation and a great disruption in the social order. Britain had suffered 2.5 million casualties and finished the war with a huge national debt. The consequences of the war persuaded the government to expand the right to vote in national and local elections to all adult men and most adult women with

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4074-464: The coastline paradox . It is connected to continental Europe by the Channel Tunnel , which at 31 miles (50 km) (24 miles (38 km) underwater) is the longest underwater tunnel in the world. The UK contains four terrestrial ecoregions: Celtic broadleaf forests , English Lowlands beech forests , North Atlantic moist mixed forests , and Caledonian conifer forests . The area of woodland in

4171-436: The largest protest in British history in opposition to the government led by Tony Blair . The Great Recession severely affected the UK economy. The Cameron–Clegg coalition government of 2010 introduced austerity measures intended to tackle the substantial public deficits. Studies have suggested that policy led to significant social disruption and suffering. A referendum on Scottish independence in 2014 resulted in

4268-610: The 16th century and established the Church of England . Moreover, it defined a national identity for England and slowly, but profoundly, changed people's religious beliefs. Wales was fully incorporated into the Kingdom of England , and Ireland was constituted as a kingdom in personal union with the English crown. In what was to become Northern Ireland, the lands of the independent Catholic Gaelic nobility were confiscated and given to Protestant settlers from England and Scotland. In 1603,

4365-401: The 1713 Treaty of Utrecht, is a key military base . A referendum in 2002 on shared sovereignty with Spain was rejected by 98.97% of voters in the territory. Around the end of the 20th century, there were major changes to the governance of the UK with the establishment of devolved administrations for Scotland, Wales and Northern Ireland. The statutory incorporation followed acceptance of

4462-510: The 1970s, the Conservative government of the 1980s led by Margaret Thatcher initiated a radical policy of monetarism , deregulation, particularly of the financial sector (for example, the Big Bang in 1986) and labour markets, the sale of state-owned companies (privatisation), and the withdrawal of subsidies to others. In 1982, Argentina invaded the British territories of South Georgia and

4559-476: The 5th century) united with the Picts to create the Kingdom of Scotland in the 9th century. In 1066, the Normans invaded England from northern France. After conquering England , they seized large parts of Wales , conquered much of Ireland and were invited to settle in Scotland, bringing to each country feudalism on the Northern French model and Norman-French culture. The Anglo-Norman ruling class greatly influenced, but eventually assimilated with,

4656-464: The Brittonic area mainly to what was to become Wales , Cornwall and, until the latter stages of the Anglo-Saxon settlement, the Hen Ogledd (northern England and parts of southern Scotland). Most of the region settled by the Anglo-Saxons became unified as the Kingdom of England in the 10th century. Meanwhile, Gaelic speakers in north-west Britain (with connections to the north-east of Ireland and traditionally supposed to have migrated from there in

4753-452: The Manhattan Project whose task was to build an atomic weapon. Once built, it was decided, with British consent, to use the weapon against Japan. The UK was one of the Big Three powers (along with the US and the Soviet Union) who met to plan the post-war world ; it drafted the Declaration by United Nations with the United States and became one of the five permanent members of the United Nations Security Council . It worked closely with

4850-425: The Name of Great Britain". The term "United Kingdom" has occasionally been used as a description for the former Kingdom of Great Britain , although its official name from 1707 to 1800 was simply "Great Britain". The Acts of Union 1800 formed the United Kingdom of Great Britain and Ireland . Following the partition of Ireland and the independence of the Irish Free State in 1922, which left Northern Ireland as

4947-495: The Scottish electorate voting by 55.3 to 44.7% to remain part of the United Kingdom. In 2016, 51.9 per cent of voters in the United Kingdom voted to leave the European Union . The UK left the EU in 2020. On 1 May 2021, the EU–UK Trade and Cooperation Agreement came into force. The COVID-19 pandemic had a severe impact on the UK's economy , caused major disruptions to education and had far-reaching impacts on society and politics in 2020 and 2021. The United Kingdom

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5044-430: The UK has the world's sixth-largest economy by nominal gross domestic product (GDP). It is a nuclear state , and is ranked fifth globally in military expenditure . The UK has been a permanent member of the UN Security Council since its first session in 1946. It is a member of the Commonwealth of Nations , Council of Europe , G7 , OECD , NATO , Five Eyes , AUKUS and CPTPP . British influence can be observed in

5141-484: The UK in 2023 is estimated to be 3.25 million hectares, which represents 13% of the total land area in the UK. Most of the United Kingdom has a temperate climate, with generally cool temperatures and plentiful rainfall all year round. The temperature varies with the seasons seldom dropping below 0  °C (32  °F ) or rising above 30 °C (86 °F). Some parts, away from the coast, of upland England, Wales, Northern Ireland and most of Scotland, experience

5238-433: The UK into lowland and upland areas. Lowland areas include Cornwall , the New Forest , the South Downs and the Norfolk Broads . Upland areas include the Lake District , the Pennines , the Yorkshire Dales , Exmoor , and Dartmoor . The main rivers and estuaries are the Thames , Severn , and the Humber . England's highest mountain is Scafell Pike , at 978 metres (3,209 ft) in the Lake District; its largest island

5335-402: The United Kingdom and that elsewhere "British government" is used at least as frequently as "United Kingdom government". The UK Permanent Committee on Geographical Names recognises "United Kingdom", "UK" and "U.K." as shortened and abbreviated geopolitical terms for the United Kingdom of Great Britain and Northern Ireland in its toponymic guidelines; it does not list "Britain" but notes that "it

5432-405: The United Kingdom is London , whose wider metropolitan area is the largest in Western Europe , with a population of 14.9 million. The cities of Edinburgh , Cardiff , and Belfast are the national capitals of Scotland, Wales, and Northern Ireland, respectively. The lands of the UK have been inhabited continuously since the Neolithic . In AD 43 the Roman conquest of Britain began;

5529-411: The United Kingdom is 1339.7 hours, which is just under 30% of the maximum possible. The hours of sunshine vary from 1200 to about 1580 hours per year, and since 1996 the UK has been and still is receiving above the 1981 to 2010 average hours of sunshine. Climate change has a serious impact on the country. A third of food price rise in 2023 is attributed to climate change. As of 2022, the United Kingdom

5626-436: The United Kingdom use several different terms to describe their national identity and may identify themselves as being British , English , Scottish , Welsh , Northern Irish , or Irish ; or as having a combination of different national identities. Settlement by Cro-Magnons of what was to become the United Kingdom occurred in waves beginning by about 30,000 years ago. The island has been continuously inhabited only since

5723-491: The United Kingdom. The 1928 Equal Franchise Act gave women electoral equality with men in national elections. Strikes in the mid-1920s culminated in the General Strike of 1926 . Britain had still not recovered from the effects of the First World War when the Great Depression (1929–1932) led to considerable unemployment and hardship in the old industrial areas, as well as political and social unrest with rising membership in communist and socialist parties. A coalition government

5820-561: The United States start with 54 or 55 and are treated as Mastercards worldwide. International cards use the 36 prefix and are treated as Mastercards in Canada and the United States, but are treated as Diners Club cards elsewhere. Diners Club International's website makes no reference to old 38 prefix numbers, and they can be presumed reissued under the 55 or 36 IIN prefix. Effective 16 October 2009, Diners Club cards beginning with 30, 36, 38 or 39 have been processed by Discover Card. On 3 November 2014, Mastercard announced that they were introducing

5917-478: The United States to establish the IMF , World Bank and NATO . The war left the UK severely weakened and financially dependent on the Marshall Plan , but it was spared the total war that devastated eastern Europe. In the immediate post-war years, the Labour government under Clement Attlee initiated a radical programme of reforms, which significantly impacted British society in the following decades . Major industries and public utilities were nationalised ,

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6014-401: The acquisition and settlement of overseas colonies , particularly in North America and the Caribbean. Though previous attempts at uniting the two kingdoms within Great Britain in 1606, 1667, and 1689 had proved unsuccessful, the attempt initiated in 1705 led to the Treaty of Union of 1706 being agreed and ratified by both parliaments. On 1 May 1707, the Kingdom of Great Britain was formed,

6111-451: The bank code to a financial institution and the financial institution allocates the other digits to its branches, in line with guidelines set by AusPayNet. Some financial institutions have more than one bank identifier, arising from mergers of financial institutions or consolidating by banks of their trading and savings banks operations. As of March 2012, almost 14,300 unique BSB code values were in use. In Australia, BSB codes are allocated by

6208-400: The bank code was either 0 (for trading bank accounts) or 1 (for savings bank accounts), with a common second digit. For example, 03 was for Westpac's trading accounts, while 73 was for Westpac's savings accounts. Some banks continue to use two bank codes, which today are of only historic and legacy significance. Following the introduction in the United Kingdom in the 1960s of a " sort code ",

6305-412: The bottom of the cheque in MICR form, which identify the specific bank account number to be debited. BSB codes are also used on pre-printed deposit and other vouchers. Paper transactions are processed under the Australian Paper Clearing System (APCS) (also known as CS1) drawn up by AusPayNet. Account instructions which do not have a BSB code are processed manually. Electronic fund transfers (EFT) are

6402-405: The clearing systems, and the structure of the BSB has had to be modified. While banks generally still follow the traditional state branch structure, building societies and credit unions often do not. This is because many of these institutions use an intermediary; for example, BSBs such as 80xxxx are administered by Cuscal , 579xxx are administered by Australian Settlements Limited, whereas 704xxx

6499-405: The decades-long process of European integration , the UK was a founding member of the Western European Union , established with the London and Paris Conferences in 1954. In 1960 the UK was one of the seven founding members of the European Free Trade Association (EFTA), but in 1973 it left to join the European Communities (EC). In a 1975 referendum 67% voted to stay in it. When the EC became

6596-408: The dissemination of bank card numbers. These include: United Kingdom The United Kingdom of Great Britain and Northern Ireland , commonly known as the United Kingdom ( UK ) or Britain , is a country in Northwestern Europe , off the coast of the continental mainland . It comprises England , Scotland , Wales , and Northern Ireland . The UK includes the island of Great Britain ,

6693-424: The eastern parts are the driest. Atlantic currents, warmed by the Gulf Stream , bring mild winters, especially in the west where winters are wet and even more so over high ground. Summers are warmest in the southeast of England and coolest in the north. Heavy snowfall can occur in winter and early spring on high ground, and occasionally settles to great depth away from the hills. The average total annual sunshine in

6790-426: The entire IIN and account number on their card. In some circumstances, the issuer identification number (IIN) or bank identification number (BIN) may not be licensed directly from the issuing network (such as Mastercard or Visa). Obtaining an IIN/BIN number can be costly, time consuming and demand intensive operational burdens on in-house regulatory and compliance teams. For this reason, some new card programmes may use

6887-411: The first year, Britain and its Empire continued the war against Germany. Churchill engaged industry, scientists and engineers to support the government and the military in the prosecution of the war effort. In 1940, the Royal Air Force defeated the German Luftwaffe in the Battle of Britain . Urban areas suffered heavy bombing during the Blitz . The Grand Alliance of Britain, the United States and

6984-569: The formal control it exerted over its own colonies, British dominance of much of world trade meant that it effectively controlled the economies of regions such as East Asia and Latin America . Throughout the Victorian era , political attitudes favoured free trade and laissez-faire policies. Beginning with the Great Reform Act in 1832, Parliament gradually widened the voting franchise , with

7081-731: The global hegemon and adopted the role of global policeman. From 1853 to 1856, Britain took part in the Crimean War , allied with the Ottoman Empire against Tsarist Russia , participating in the naval battles of the Baltic Sea known as the Åland War in the Gulf of Bothnia and the Gulf of Finland , among others. Following the Indian Rebellion in 1857 , the British government led by Lord Palmerston assumed direct rule over India . Alongside

7178-428: The issuer of the card, and the digits that follow are used by the issuing entity to identify the cardholder as a customer and which is then associated by the issuing entity with the customer's designated bank accounts. In the case of stored-value type cards, the association with a particular customer is only made if the prepaid card is reloadable. Card numbers are allocated in accordance with ISO/IEC 7812 . The card number

7275-403: The kingdoms of England, Scotland and Ireland were united in a personal union when James VI, King of Scots , inherited the crowns of England and Ireland and moved his court from Edinburgh to London; each country nevertheless remained a separate political entity and retained its separate political, legal, and religious institutions. In the mid-17th century, all three kingdoms were involved in

7372-408: The last retreat of the ice around 11,500 years ago. By the end of the region's prehistoric period , the population is thought to have belonged largely to a culture termed Insular Celtic , comprising Brittonic Britain and Gaelic Ireland . The Roman conquest , beginning in 43 AD, and the 400-year rule of southern Britain , was followed by an invasion by Germanic Anglo-Saxon settlers, reducing

7469-458: The legal and political systems of many of its former colonies , and British culture remains globally influential, particularly in language , literature , music and sport . English is the world's most widely spoken language and the third-most spoken native language . The Acts of Union 1707 declared that the Kingdom of England and Kingdom of Scotland were "United into One Kingdom by

7566-524: The local cultures. Subsequent medieval English kings completed the conquest of Wales and tried unsuccessfully to annex Scotland . Asserting its independence in the 1320 Declaration of Arbroath , Scotland maintained its independence thereafter, albeit in near-constant conflict with England . In 1215 the Magna Carta was the first document to state that no government was above the law, that citizens have rights protecting them and that they were entitled to

7663-712: The major part of the British Isles archipelago and includes the island of Great Britain, the north-eastern one-sixth of the island of Ireland and some smaller surrounding islands. It lies between the North Atlantic Ocean and the North Sea with the southeast coast coming within 22 miles (35 km) of the coast of northern France, from which it is separated by the English Channel . The Royal Greenwich Observatory in London

7760-669: The mid-1920s, most of the British population could listen to BBC radio programmes. Experimental television broadcasts began in 1929 and the first scheduled BBC Television Service commenced in 1936. The rise of Irish nationalism , and disputes within Ireland over the terms of Irish Home Rule , led eventually to the partition of the island in 1921. A period of conflict in what is now Northern Ireland occurred from June 1920 until June 1922. The Irish Free State became independent, initially with Dominion status in 1922, and unambiguously independent in 1931 . Northern Ireland remained part of

7857-620: The most common method of non-cash payment in Australia. EFT transactions between bank accounts use the Direct Entry system or the New Payments Platform (NPP). For transfers using the Direct Entry system, BSB and bank account numbers must be given for the accounts to be debited as well as for the account to which funds are to be transferred. For transfers using the NPP, BSB and account numbers or

7954-522: The national payment system infrastructure and to issue a national payment card, Mir. Effective 1 October 2006, Discover began using the entire 65 prefix, not just 650. Also, similar to the Mastercard/Diners agreement, China UnionPay cards are now treated as Discover cards and accepted on the Discover network. While the vast majority of Visa's account ranges describe 16 digit card numbers there are still

8051-800: The north-eastern part of the island of Ireland , and most of the smaller islands within the British Isles , making up a total area of 94,354 square miles (244,376 km ). Northern Ireland shares a land border with the Republic of Ireland ; otherwise, the United Kingdom is surrounded by the Atlantic Ocean , the North Sea , the English Channel , the Celtic Sea , and the Irish Sea . The United Kingdom had an estimated population of over 68.2 million people in 2023. The capital and largest city of both England and

8148-463: The only part of the island of Ireland within the United Kingdom, the name was changed in 1927 to the "United Kingdom of Great Britain and Northern Ireland". Although the United Kingdom is a sovereign country, England, Scotland, Wales and Northern Ireland are also widely referred to as countries . The UK Prime Minister's website has used the phrase "countries within a country" to describe the United Kingdom. Some statistical summaries, such as those for

8245-481: The other four digits specified the "branch" of that financial institution, the first digit of which was the state code indicating the state where the branch was located. Some banks may use only one BSB for all branches. For example, the Australian BSB code "033088" breaks down to: Some of the larger banks had two bank codes, with separate codes for their trading (cheque) and savings bank entities. The first digit of

8342-487: The physical cheques for forwarding to the payer bank branch for final cheque clearance. Other financial institutions had to use banks as intermediaries to access the clearance of their "payment orders", which were the non-banking equivalents of cheques. Since then, the use of BSBs has been extended to electronic transactions, but not in payment card numbering. With the restructuring of the financial system in Australia , other financial institutions were given direct access to

8439-452: The requirement for financial institutions to adopt defined length account numbers. Outgoing international transfers must use either the SWIFT or IBAN system in use in the destination country, which would incorporate that country's format for BBAN. The BSB is a six-digit code, usually presented as nnn-nnn. Originally, the format of the BSB code was for the first two digits to indicate the "bank" and

8536-497: The rest of Europe, royal absolutism would not prevail, and a professed Catholic could never accede to the throne. The British constitution would develop on the basis of constitutional monarchy and the parliamentary system . With the founding of the Royal Society in 1660, science was greatly encouraged. During this period, particularly in England, the development of naval power and the interest in voyages of discovery led to

8633-568: The result of the Acts of Union 1707 between the Kingdom of England and Kingdom of Scotland . In the 18th century, cabinet government developed under Robert Walpole , in practice the first prime minister (1721–1742). A series of Jacobite uprisings sought to remove the Protestant House of Hanover from the throne and restore the Catholic House of Stuart . The Jacobites were finally defeated at

8730-544: The transfer is an account which includes the BSB electronically linked to the card and BPAY biller. For incoming international transfers, SWIFT codes are used in addition to the Basic Bank Account Number (BBAN), which comprises a BSB and bank account number. There is no public discussion of the adoption of IBAN identifiers for incoming international transactions. Any process towards IBAN would involve considerable changes to bank software and computer systems, and

8827-436: The twelve NUTS 1 regions , refer to Scotland, Wales and Northern Ireland as "regions". Northern Ireland is also referred to as a "province". With regard to Northern Ireland, the descriptive name used "can be controversial, with the choice often revealing one's political preferences". The term "Great Britain" conventionally refers to the island of Great Britain, or politically to England, Scotland and Wales in combination. It

8924-437: Was aligned with the standard international Maestro proposition with the retention of a few residual country specific rules. EMV Certification requires acceptance of a 19-digit Visa card (ADVT 6.1.1 Test Case 2) and Discover Card (E2E Test Plan v1.3, Test Case 06). Bank card numbers issued by Canadian banks also follow a pattern for their systems: To reduce the risk of credit card fraud , various techniques are used to prevent

9021-598: Was chosen as the defining point of the Prime Meridian at the International Meridian Conference in 1884. The United Kingdom lies between latitudes 49° and 61° N , and longitudes 9° W and 2° E . Northern Ireland shares a 224-mile (360 km) land boundary with the Republic of Ireland. The coastline of Great Britain is 11,073 miles (17,820 km) long, though measurements can vary greatly due to

9118-462: Was formed in 1931. Nonetheless, "Britain was a very wealthy country, formidable in arms, ruthless in pursuit of its interests and sitting at the heart of a global production system." After Nazi Germany invaded Poland in 1939, Britain entered the Second World War . Winston Churchill became prime minister and head of a coalition government in 1940. Despite the defeat of its European allies in

9215-577: Was reduced, particularly as a result of the English Civil War . In 1707, the Kingdom of England and the Kingdom of Scotland united under the Treaty of Union to create the Kingdom of Great Britain . The Acts of Union 1800 incorporated the Kingdom of Ireland to create the United Kingdom of Great Britain and Ireland in 1801. Most of Ireland seceded from the UK in 1922 as the Irish Free State , and

9312-698: Was the largest empire in history . However, its involvement in the First World War and the Second World War damaged Britain's economic power and a global wave of decolonisation led to the independence of most British colonies. The United Kingdom is a constitutional monarchy and parliamentary democracy . The UK has three distinct jurisdictions: England and Wales , Scotland , and Northern Ireland . Since 1999, Scotland, Wales and Northern Ireland have their own governments and parliaments which control various devolved matters. A developed country ,

9409-432: Was the first country in the world to use an approved COVID-19 vaccine , developing its own vaccine through a collaboration between Oxford University and AstraZeneca , which allowed the UK's vaccine rollout to be among the fastest in the world. The total area of the United Kingdom is approximately 94,354 square miles (244,376 km ), with a land area of 93,723 square miles (242,741 km ). The country occupies

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