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You lose some digits as the bank identifier etc, so really you get 12 digits or so. The population of the world right now is a 10 digit number. It sounds like a lot of space at first glance, but it really isn't. "Just add more numbers" is what people thought when IPv4 started to run out and we all know how that is going.

> And when we do they could just add more numbers

That's an exceedingly optimistic use of "just," I suspect.

Probably you’d get 8 or 12 to play with ad a bank and I think 1 is error correcting. But that is still a lot!

Problem I have with gift cards is a lot of merchants and machines refuse them. I wonder if neobanks have this issue?

Quite a few websites don't accept my Revolut or Monzo cards at all, despite being VISA/Mastercard. So there is clearly some way for them to detect these neobank cards.

It's called the BIN (card number prefix) try e.g. https://binlist.net/