{"id":10302,"date":"2025-08-06T17:39:35","date_gmt":"2025-08-06T15:39:35","guid":{"rendered":"https:\/\/paynopain.com\/glosario\/pan\/"},"modified":"2026-01-27T13:36:08","modified_gmt":"2026-01-27T12:36:08","slug":"pan","status":"publish","type":"glosario","link":"https:\/\/paynopain.com\/pt-pt\/glossario\/pan\/","title":{"rendered":"PAN"},"content":{"rendered":"<h2 data-start=\"1509\" data-end=\"1550\"><span class=\"ez-toc-section\" id=\"O_que_e_o_PAN_ou_numero_do_cartao\"><\/span><strong data-start=\"1512\" data-end=\"1550\">O que \u00e9 o PAN ou n\u00famero do cart\u00e3o?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1552\" data-end=\"1932\">O <strong data-start=\"1554\" data-end=\"1587\">PAN (Personal Account Number)<\/strong> \u00e9 o n\u00famero que aparece no cart\u00e3o banc\u00e1rio \u2014 seja ele de cr\u00e9dito, d\u00e9bito, virtual ou pr\u00e9-pago. Normalmente, este n\u00famero tem <strong data-start=\"1711\" data-end=\"1725\">16 d\u00edgitos<\/strong>: os sete primeiros identificam o pa\u00eds e o emissor do cart\u00e3o (Visa, Mastercard) e os restantes s\u00e3o atribu\u00eddos pela entidade emissora, estando associados ao titular, aos dados banc\u00e1rios e ao tipo de cart\u00e3o.<\/p>\n<p data-start=\"1934\" data-end=\"2147\">Apesar de este ser o formato mais comum, marcas como a American Express utilizam uma numera\u00e7\u00e3o diferente. Este sistema permite identificar o cart\u00e3o, o titular e o banco emissor, garantindo assim um maior controlo.<\/p>\n<h2 data-start=\"2149\" data-end=\"2183\"><span class=\"ez-toc-section\" id=\"Diferencas_entre_PAN_e_IBAN\"><\/span><strong data-start=\"2152\" data-end=\"2183\">Diferen\u00e7as entre PAN e IBAN<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2185\" data-end=\"2337\">Cada c\u00f3digo corresponde a um produto banc\u00e1rio diferente.<br data-start=\"2241\" data-end=\"2244\" \/>O <strong data-start=\"2246\" data-end=\"2254\">IBAN<\/strong> identifica uma <strong data-start=\"2270\" data-end=\"2288\">conta banc\u00e1ria<\/strong>, enquanto o <strong data-start=\"2301\" data-end=\"2308\">PAN<\/strong> \u00e9 o <strong data-start=\"2313\" data-end=\"2336\">n\u00famero de um cart\u00e3o<\/strong>. Ambos funcionam como identificadores: podemos dizer que o IBAN \u00e9 o <em data-start=\"2406\" data-end=\"2410\">BI<\/em> de uma conta banc\u00e1ria, enquanto o PAN \u00e9 o <em data-start=\"2453\" data-end=\"2457\">BI<\/em> de um cart\u00e3o.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O que \u00e9 o PAN ou n\u00famero do cart\u00e3o?<\/p>\n<p>O PAN (Personal Account Number) refere-se ao n\u00famero presente num cart\u00e3o banc\u00e1rio de cr\u00e9dito, d\u00e9bito, virtual ou pr\u00e9-pago.<\/p>\n","protected":false},"featured_media":9094,"template":"","meta":{"_acf_changed":false},"class_list":["post-10302","glosario","type-glosario","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PAN - PaynoPain<\/title>\n<meta name=\"description\" content=\"Descobre o que \u00e9 um PAN, qual \u00e9 a sua fun\u00e7\u00e3o nas transa\u00e7\u00f5es financeiras e a sua import\u00e2ncia na identifica\u00e7\u00e3o de contas em sistemas de pagamento.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/paynopain.com\/pt-pt\/glossario\/pan\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PAN - 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