Bank account reference data that is redacted should be stored as a serialised array
It would be an improvement to store the redacted bank account data as a serialised array.
So change the delimited string:
My Building Society, Mr J Doe. 1234** 12-*-*
to a serialised array:
a:1:{i:0;a:4:{i:0;s:19:"My Building Society";i:1;s:8:"Mr J Doe";i:2;s:6:"1234**";i:3;s:6:"12-*-*";}}