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The standard defines:
ISO/IEC 7813 specifies the following physical characteristics of the card, mostly by reference to other standards:
The Track 1 structure is specified as:
The maximum record length is 79 alphanumeric characters.
%B4815881002861896^YATES/EUGENE JOHN ^37829821000123456789?
%B4815881002861896^YATES/EUGENE L ^^^0000000 00998000000?
The Track 2 structure is specified as:
The maximum record length is 40 numeric digits (e.g., 5095700000000).
Track 3 is virtually unused by the major worldwide networks and often isn't even physically present on the card by virtue of a narrower magnetic stripe.
A notable exception to this is Germany, where Track 3 content was used nationally as the primary source of authorization and clearing information for debit card processing prior to the adoption of the "SECCOS" ICC standards. Track 3 is standardized nationally to contain both the cardholder's bank account number and branch sort code (BLZ).