DIY
Bin Lists For Non Vbv Msc Bins Uk, Usa & Canada Visa Verified Every payment card carries a hidden code that identifies its issuing bank, network, and country — the Bank Identification Number (BIN), the first 6 to 8 digits of the card.
This guide explains how BINs work under the ISO/IEC 7812 standard, which prefixes belong to Visa, Mastercard, Amex, and others in 2026, and how to validate card numbers with real, working code. Unlike the outdated BIN lists copied across the web, this reference is built for developers, fraud analysts, and anyone who needs accurate payment data they can actually use.
Part 1: What Is a BIN (And What It Is Not)
A Bank Identification Number (BIN) — now officially called an Issuer Identification Number (IIN) under ISO/IEC 7812 — is the first 6 to 8 digits of a payment card number.
What a BIN Tells You
Attribute Reliable? Notes
Issuing network (Visa, MC, etc.) Yes Deterministic from prefix
Issuing bank / institution Usually Except co-branded and prepaid
Card type (credit/debit/prepaid) Sometimes Not encoded in BIN alone
Country of issuance Usually Based on issuer registration
Card product / tier Rarely Requires issuer-specific data
What a BIN Does NOT Tell You
· Whether the card is currently active
· The cardholder’s identity or location
· Whether the card will approve a transaction
· The credit limit or balance
Common misconception: A BIN lookup is not a fraud check. It is an identification tool. Fraud prevention requires velocity checks, CVV validation, AVS, 3DS, and behavioral signals — BIN data is only one input.
Part 2: The ISO/IEC 7812 Standard Explained
The BIN system is governed by ISO/IEC 7812, which defines:
Component Length Purpose
MII (Major Industry Identifier) 1 digit Industry category
IIN/BIN 6–8 digits Issuer identification
Account Number Variable Individual account
Check Digit 1 digit Luhn validation
Major Industry Identifier (MII) Reference
MII Industry
0 ISO/TC 68 and other industry assignments
1 Airlines
2 Airlines (future use)
3 Travel and entertainment
4 Banking and financial
5 Banking and financial
6 Merchandising and banking
7 Petroleum
8 Telecommunications
9 National assignment
The 6-to-8 Digit Migration (2017 to Present)
In 2017, ISO revised 7812 to expand BINs from 6 to 8 digits. Why?
· 6-digit space exhaustion: Only 1 million possible BINs per MII
· Explosive fintech growth: Neobanks, prepaid programs, and virtual cards multiplied issuers
· Co-branded proliferation: Airlines, retailers, and crypto platforms each need distinct BINs
What this means for developers: Your validation logic must accept both 6-digit and 8-digit BINs. Hardcoding 6 digits will break.
Part 3: Verified Network Specifications (2026)
Below are the confirmed, currently-active network specifications. Discontinued networks are listed separately.
Active Payment Networks
Network Prefix Range Card Length MII Notes
Visa 4 13, 16, 19 4 19-digit cards used for some prepaid
Mastercard 51–55, 2221–2720 16 5 New 2-series added 2016
American Express 34, 37 15 3 Always 15 digits
Discover 6011, 622126–622925, 644–649, 65 16 6 622126–622925 shared with UnionPay
JCB 3528–3589 16 3 Japan-origin, global now
Diners Club International 36, 300–305, 54–55 14, 16 3, 5 Acquired by Discover
China UnionPay 62 16–19 6 Dominant in PRC
Maestro 50, 56–58, 6 12–19 5, 6 Mastercard-owned debit
UATP 1 15 1 Airline-only network
InterPayment 636 16 6 Rare
InstaPayment 637–639 16 6 Rare
Discontinued Networks (Historical Reference)
Network Prefix Retired Reason
Bankcard 5610, 560221–560225 ~2006 Absorbed into Mastercard
Diners Club enRoute 2014, 2149 2008 Acquired by Diners
Laser 6304, 6706, 6771, 6709 2014 Irish market, replaced by Visa Debit
Solo 6334, 6767 2011 UK-only, merged into Maestro
Switch 4903, 4905, 4911, 4936, 564182, 633110, 6333, 6759 2002 Rebranded as Maestro
Why this matters: If you encounter these prefixes in production, you are likely dealing with legacy data, test cards, or potentially fraudulent numbers.
Comprehensive BIN NON VBV MSC BINS LIST UK USA AND CANADA Directory by Issuer
American Express Card Portfolio
Latin American Products
· 377750 — Platinum LifeMiles Card (Banco Internacional del Perú)
· 377753 — Gold Credit Card (Banco Internacional del Perú)
· 370244 — BANESCO Gold Card (Venezuela)
Asia-Pacific Products
· 370246 — ICBC Peony Card (China)
· 3759** — Cathay Pacific Credit Card (Hong Kong)
· 376211 — Singapore Airlines Krisflyer Gold Card
· 376966 — China CITIC Bank Card
· 376968 — China CITIC Bank Gold Card
· 3777** — ANZ Frequent Flyer (Australia) / Saison Card (Japan)
· 377850 — Westpac Card (Australia)
· 377852 — Westpac Platinum Card (Australia)
· 379186 — Maybank Credit Card (Malaysia)
North American Products
· 370285 — Brooklyn Merchants Bank Green Card
· 370286 — China Merchants Bank Gold Card
· 3713** — Costco Wholesale Card
· 3715** — Centurion Card
· 3717** — Platinum Card
· 3723** — Costco Wholesale Platinum Card
· 372301 — Gift Card (Canada)
· 372395 — Blue Cash Card
· 372550 — Starwood Preferred Guest Card
· 372734 — Blue for Business Credit
· 372888 — Gold Card (USA)
· 374345 — Citi American Express Cards
· 374350 — Citibank American Airlines Credit Card
· 374660 — BMW Card
· 374661 — BMW Card
· 374671 — Blue Card
· 377481 — Macy’s Card
· 379464 — Corporate Card (US)
· 3797* — Delta Skymiles
European Products
· 3742** — Charge Card (UK)
· 374288 — Centurion Charge Card (UK)
· 374289 — Platinum Charge Card (UK)
· 3743** — International Euro Charge Card (UK)
· 3745** — International Dollar Charge Card (UK)
· 374614 — British Airways Premium Plus Card
· 374622 — Optima Credit Card (France)
· 374691 — Platinum Credit Card (UK)
· 374693 — Platinum Credit Card (UK)
· 374801 — Platinum Charge Card (Finland)
· 374970 — Air France KLM Flying Blue Gold Card (France)
· 374996 — Corporate Card (France)
· 3750** — Germany Products
· 3751** — Finland Products
· 3752** — Italy Products
· 3753** — Netherlands Products
· 3755490 — Blue Swedbank (Estonia)
· 3755492 — Gold Swedbank (Estonia)
· 375622 — Garanti Bank Green Card (Turkey)
· 375628 — Garanti Bank Shop&Miles Gold Card (Turkey)
· 375790 — Corporate Card (Sweden)
· 3758** — Corporate Card (Switzerland)
· 3770** — Lloyds TSB Airmiles Card (UK)
· 377064 — Lloyds TSB Airmiles Premier Card (UK)
· 377311 — MBNA Europe bmi plus Card (UK)
· 377311 — MBNA Europe Virgin Atlantic Card (UK)
· 377662 — Swiss International Airlines Miles & More Gold
· 377945 — Corporate (Hungary)
· 377946 — Corporate (Poland)
· 379108 — British Airways Credit Card (UK)
· 379196 — Blue Sky Credit Card (UK)
· 337941 — Bank Millennium Gold Card (Poland)
Oceania Products
· 3754150 — Commonwealth Bank Standard Card (Australia)
· 3754151 — Commonwealth Bank Gold Card (Australia)
· 3754155 — Commonwealth Bank Gold Card (Australia)
· 3754165 — Commonwealth Bank Platinum Card (Australia)
· 3760** — Card Australia
· 377441 — Black Card (New Zealand)
· 377445 — BMW Card (New Zealand)
Visa Card Portfolio
United States Issuers
Major National Banks
· 400344 — Capital One Platinum
· 4013** — Visa Debit Card
· 4018** — 1st Financial Bank USA
· 4019** — Wachovia Bank Visa
· 4037** — US Bank Visa
· 4060 — Chase Visa Debit/Credit
· 4117 — Bank of America VISA Debit Card
· 4124** — Chase Banking Debit Card
· 4128** — Citibank Platinum Select Dividends VISA Credit Card
· 4143** — Capital One Visa Card
· 4185** — Washington Mutual Visa Card
· 41900* — U.S. Bank WorldPerks VISA Credit Card
· 421764-66 — Bank of America VISA Debit Card
· 4256 — Bank of America GM Visa Check Card
· 426428-29 — Bank of America Platinum Visa Credit Card
· 426451-52, 65 — Bank of America Platinum Visa Credit Card
· 4308** — Macy’s Visa
· 4311** — National City Bank Visa Credit Card
· 4342** — Bank of America Classic Visa Credit Card
· 4356 — Bank of America Visa Debit Card
· 435680-90 — Bank of America Platinum Check Card
· 4388 — Capital One Visa Credit Card
· 4432 — U.S. Bank
· 4479 — TCF Bank Debit Card
· 4482 — TD Bank
· 4744 — Bank of America Visa Debit
· 474480 — Bank of America Visa Debit (Midwest)
· 4828 — Wachovia Bank Visa Debit Card
· 482870 — Wachovia Bank Visa Debit Card
· 4854 — Washington Mutual Visa Debit Card
· 4862 — Capital One Visa Credit Card
· 486236 — Capital One Visa Platinum Credit Card
· 4867 — JP Morgan Chase Bank Visa Card
· 4888** — Bank of America Visa Credit Card
Regional & Community Banks
· 401171 — Delta Community Credit Union Visa
· 401106 — McCoy Federal Credit Union VISA Debit Card
· 401180 — Suntrust Bank Debit Card
· 404137 — Greater Building Society Visa Debit Card
· 404527 — Cabela’s World’s Foremost Bank
· 409311 — Branch Banking & Trust Classic Credit Card
· 410894 — Branch Banking and Trust (BB&T)
· 410897 — Golden 1 Credit Union Visa Classic
· 412134 — Pennsylvania State Employees Credit Union Credit Card
· 414588 — Guaranty Bank Visa Debit Card
· 414983 — Plumas Bank Visa Check Card
· 415874 — TD Bank (USA)
· 416724 — Wells Fargo Bank Debit Visa
· 418221 — TD Bank in the United States
· 420719 — US Bank Debit Card
· 420767 — Chase VISA Debit Card
· 420984 — Bank of Lee’s Summit VISA Debit
· 423347 — Patelco Credit Union
· 4238** — Members Credit Union Visa Debit
· 423966 — Suffolk County National Bank Visa Debit
· 4251** — Fidelity Debit Card (PNC)
· 425435-36 — Washington Mutual VISA Debit Card
· 425522 — Columbus Bank and Trust
· 425800,02-04,08-09,34,38-39 — M&T Bank Visa Check Card
· 425907 — Wells Fargo Business Platinum Check Visa Card
· 425914 — Compass Bank Visa Business Platinum Check Card
· 426488 — Code Credit Union
· 426698 — First Command Financial Planning
· 428208 — Chase Debit Visa
· 429420 — Digital Federal Credit Union Visa Check Card
· 429475 — Regions Bank Visa Debit Card
· 429805,12 — First National Bank of Omaha Visa Debit Cards
· 430552 — Summit Federal Credit Union Visa Debit Card
· 430586 — Pennsylvania State Employees’ Credit Union Check Card
· 430605 — Affinity Plus Federal Credit Union Debit Card
· 431930 — Halifax Ireland VISA Debit Card
· 4323** — Wells Fargo Visa Check Card
· 432624-30 — Bank of America Visa Check Card
· 4327?? — North Carolina State Employees’ Credit Union VISA Check Card
· 432732 — Metabank Debit Card
· 432845 — Sovereign Bank Check Card
· 432995 — TCF Visa Debit Card
· 434254 — Best Bank
· 434256 — Wells Fargo Debit
· 434257 — Wells Fargo Debit
· 435225 — Nordea Bank Visa Electron Debit Card
· 436338 — Landesbank Berlin AG
· 436618 — U.S. Bank Visa Debit Card
· 438755 — San Diego County Credit Union Visa Card
· 442518 — Wells Fargo Platinum Visa
· 442790 — Citizens Bank Platinum Visa Debit Card
· 4428 — BECU Visa
· 4430 — PNC Bank Debit Card
· 4435 — Banner Bank VISA Debit Card
· 443233 — Shinhan Card
· 443464 — Five Star Bank
· 4436 — PNC Bank Visa Points
· 444400 — First US Bank
· 444512 — Fifth Third Bank
· 4451** — First Tennessee Bank VISA Debit Card
· 446053 — US Bank Visa Classic Debit Card
· 4465** — Wells Fargo Visa Credit Card
· 4470** — M&I Marshall & Ilsley Bank Visa Debit Card
· 447452 — Union Bank & Trust Company Visa Debit Card
· 447935 — National City Bank Visa Debit Card
· 448156 — Chase Bank Sprint Wireless Rebate Debit Card
· 4488 — Suntrust Bank Visa Credit Card
· 4489 — National City Bank Visa Debit Card
· 4490 — Community Trust Bank Visa Debit Card
· 4492 — Vista Federal Credit Union Visa Debit Card
· 449364 — Valley Bank
· 449533 — Bank of America Classic Debit Visa
· 461983 — Best Buy Reward Zone/Chase (Canada)
· 470758 — US Bank Visa Debit
· 4715 — Wachovia VISA
· 4718 — Target Corporation VISA Gift Card
· 473099 — Wells Fargo Bank Visa Debit (Iowa)
· 4736 — GE Money Bank Walmart Prepaid Visa Debit Card
· 473702 — Wells Fargo Visa Card
· 475050 — JPMorgan Chase Visa Credit Card
· 475423 — MetaBank VISA TravelMoney Debit
· 475427 — MetaBank Rebate Visa Card
· 475637 — Wells Fargo Bank National Association Visa Debit
· 4760** — Bank Niaga Visa Debit Card
· 4761-64 — TCF Bank Visa Debit Card
· 476515 — Venezolano de Credito Superefectiva Gold Visa Check Card
· 476559 — South Florida Educational Federal Credit Union Visa Debit Card
· 477361 — Big Sky Credit Union Visa
· 477517 — JPMorgan Chase Bank N.A.
· 478200 — Bank One VISA Classic Debit
· 478825 — JPMorgan Chase Corporate Card
· 478880 — Umpqua Bank of Oregon Visa Debit Card
· 478992 — Heartland Credit Union
· 479144 — Georgia Federal Credit Union
· 479213 — TD Banknorth Visa Debit Card
· 4798** — US Bank Visa Select Rewards Business Platinum
· 479884 — E*Trade Visa Debit Card
· 480183 — Community Business Bank
· 480213 — Capital One FSB Business
· 480641 — Commonwealth Credit Union Visa Debit Card
· 4807 — M&I Visa Credit Card
· 480801 — WellsOne Commercial Card
· 4809 — Charles Schwab Bank Visa Platinum Check Card
· 4820 — Wings Financial FCU Credit Card
· 4841 — Old National Bank Commercial Debit Card
· 4843 — Digital FCU Visa Gold Credit Card
· 4861 — Wings Financial FCU Check Card
· 4868 — Wells Fargo Bank N.A. Check Card
· 486990 — Plumas Bank Visa Business Check Card
· 486993 — Umpqua Bank of Oregon Visa Business Check Card
Prepaid & Specialty Cards
· 400610 — META Bank Rewards 660 Visa (Credit Limit 2000)
· 407444 — CSL Plasma and Other Plasma Donation Centers
· 412266 — TD Bank Gift Card
· 418307 — Green Dot Prepaid Visa Debit Card
· 420796 — Banque Invik Everywhere Money Prepaid Debit Visa Electron Card
· 421402 — Citizens Bank of Canada/Vancouver City Savings Credit Union Visa Gift Card
· 422050 — SAMBIL MALL Servitebca Visa Prepaid Card
· 422793 — o2 money card Prepay Card
· 4241** — Silverton Bank Gift Card
· 428333 — Prezzy Card (New Zealand Post)
· 428434 — Citizens Bank of Canada Prepaid Visa Gift Card
· 4321** — Citizens Bank of Canada/Vancouver City Savings Credit Union Visa Gift Card
· 441669 — MetaBank Visa Gift Card
· 456453 — ANZ Bank VISA Gift Card
· 4587 — Peoples Trust Visa Gift Card
· 472926 — Peoples Trust Vanilla Prepaid Visa Card
· 475423 — MetaBank VISA TravelMoney Debit
· 483588 — Canada Post Visa Reloadable Prepaid Card
· 4890 — QIWI Bank Visa Virtual/Prepaid
· 4892** — Columbus Bank and Trust Green Dot NASCAR Debit Visa Prepaid Card
Virtual & Online Cards
· 406742 — Entropay Virtual Visa Card USD
· 4890 — QIWI Bank Visa Virtual
Canadian Issuers
· 4500 — Canadian Imperial Bank of Commerce (CIBC) Visa & MBNA Quantum Visa Credit Cards
· 450003 — CIBC Infinite Aerogold
· 450060 — CIBC Aerogold
· 450065 — CIBC Platinum
· 4502-4505 — CIBC VISA
· 4506 — CIBC VISA Debit
· 4510 — Royal Bank of Canada Visa
· 4512 — Royal Bank of Canada Visa
· 451291 — Bank of China Visa Credit Card
· 4514 — Royal Bank of Canada RBC AVION Visa
· 451503 — Royal Bank of Canada VISA
· 4516 — RBC Banque Royale VISA BUSINESS
· 4519 — Royal Bank of Canada Client Card
· 4520 — TD Bank CAD VISA
· 452088 — TD Bank CAD VISA Infinite
· 4530 — VISA Desjardins Group
· 4535 — Scotiabank Visa Card
· 4536 — Scotiabank Interac Debit Card
· 4537-4538 — Scotiabank Visa Card
· 453801 — Scotiabank Visa Gold
· 453826 — Scotiabank Visa Infinite
· 4540 — Carte d’accès Desjardins / VISA Desjardins
· 4544 — Banque Laurentienne du Canada
· 4551 — TD Bank/General Motors GM CAD VISA
· 455121 — GM-Visa Card (CAD)
· 461983 — Best Buy Reward Zone/Chase
· 472926 — Peoples Trust Vanilla Prepaid Visa Card
· 478901 — Vancity Visa Credit Card
· 478907 — Vancity Visa Credit Card
· 478986 — CIBC US Dollar Visa
· 483588 — Canada Post Visa Reloadable Prepaid Card
United Kingdom & Ireland Issuers
· 400115 — Visa Electron Barclays
· 400121 — Electron IRL
· 401343 — Tesco Bank Bonus Visa
· 401344 — Tesco Bank Clubcard Visa
· 401773 — Electron IRL
· 411298 — Lloyds TSB Visa Credit Card
· 411636 — Irish Life & Permanent PLC Visa Debit Classic
· 412983 — MBNA Europe University of Cambridge VISA Credit Card
· 415929 — Cahoot Visa Credit Card
· 426501 — HHonors Platinum Visa Credit Card (Barclaycard)
· 426510 — Solutions Finance Credit Card (Barclaycard)
· 427342 — Lloyds TSB Business Debit Card
· 4304** — Barclays Bank Plc
· 430567 — Tesco Bank Classic Visa
· 431931-32 — Ulster Bank VISA Debit Card
· 431935 — Permanent TSB VISA Debit Card
· 440260 — Allied Irish Banks “Click” Visa Card
· 442162 — MBNA Europe Bank Limited Classic Visa Credit Card
· 4458 — Nationwide Building Society Plus Cash Card
· 446261 — Lloyds TSB Visa Debit Card
· 446268 — Cahoot Visa Debit
· 446272 — Lloyds TSB Platinum Account Visa Debit Card
· 446274 — Lloyds TSB Premier Visa Debit Card
· 446277 — Abbey Business Banking Visa Debit Card
· 446278 — Halifax Visa Debit Card
· 446279 — Bank of Scotland Visa Debit Card
· 446291 — Halifax Visa Gold Debit Card
· 448445 — Lloyds Bank Visa Credit Card
· 449352 — Nationwide Building Society Visa Credit Card
· 450823 — Lloyds TSB VISA
· 450875 — Co-operative Bank Visa Debit Card
· 453978 — Barclays Bank Connect Visa Debit Card
· 453979 — Barclays Bank Connect Visa Debit Card
· 453980 — Permanent TSB Visa Credit Card
· 4543 — Visa Debit UK
· 454305 — RBS Visa Credit Card
· 454312 — First Direct Visa Credit Card
· 454313 — Nationwide Building Society Visa Debit Card
· 454361 — First Direct Visa Debit Card
· 454434 — First Trust Bank Visa Debit Card
· 454495 — Co-operative Bank Visa Credit Card
· 454742 — Santander Visa Debit Card
· 455025 — Cooperative Bank Visa
· 4552 — Cooperative Bank
· 4555 — Cooperative Bank Platinum VISA
· 4555 — Bank of Ceylon VISA Credit Card
· 456735 — Alliance and Leicester VISA Debit Card
· 456738 — Citibank Visa Debit Card
· 465859 — Barclays Visa Debit
· 465904 — Santander Visa Debit
· 465921 — Barclays Visa Debit
· 465942 — HSBC Visa Debit Card
· 475110 — Ulster Bank Visa Debit
· 475116-475118 — RBS Royal Bank of Scotland Visa Debit
· 475127-475130 — Natwest Visa Debit
· 475131 — Nat West Visa Debit Card
· 475132 — Nat West Private Banking Visa Debit
· 475714 — Santander UK Visa Debit Card
· 475743 — O2 Money Card (Ireland)
· 477596 — Sainsbury’s Bank Visa Debit Card
· 4779 — Sainsbury’s Bank Visa Debit Card
· 479293 — Abbey International Visa Debit Card
· 484427 — Paypal Top-up Card (managed by RBS)
· 484432 — Bank of Scotland Visa Electron Card
· 486430 — Lloyds TSB Visa Card
· 486483 — HSBC Commercial Visa Credit Card
· 4893** — Nationwide Building Society Visa Select Credit Card
European Issuers
· 402360 — Visa Electron Poste Italiane “PostePay” (Italy)
· 400837-39 — Electron GWK Bank NV
· 402802 — Handelsbanken Visa Credit/Debit Card
· 403897 — Avangard Bank Visa Credit/Debit Card
· 405670 — BRE Bank mBank Visa Electron Debit Card (Poland)
· 409617 — First Czech-Russian Bank Visa Gold Czech Airlines
· 410654 — Ithala Limited VISA Electron (South Africa)
· 411945 — Masterbank Visa Infinite (Russia)
· 414049 — Banca Transilvania Visa Electron
· 414051 — Bank of Georgia Visa Orange Debit Card
· 414099 — Budapest Bank Visa Electron (Hungary)
· 415045 — Kredyt Bank Visa Business Electron (Poland)
· 415055 — Le Crédit Lyonnais Visa Cleo (France)
· 415461 — Raiffeisen Bank Visa Debit (Czech Republic)
· 416039 — ING Bank Śląski Visa Electron (Poland)
· 416451 — Fortis Bank Visa Electron (Poland)
· 416896 — Inteligo Visa Electron (Poland)
· 4172** — Crédit Populaire d’Algérie Visa Gold Card
· 4177** — BC Moldindconbank Visa Electron (Moldova)
· 4188500** — Italy Visa Card
· 420567 — Volkswagen Bank Direct VISA Credit Card (Germany)
· 420571 — Forex Bank Visa Credit Card (Sweden)
· 420796 — Banque Invik Everywhere Money Prepaid Debit Visa Electron Card (Luxembourg/Sweden)
· 4213** — China Minsheng Bank VISA Debit Card; Landesbank Berlin Xbox Live VISA Prepaid Card (Germany)
· 422189 — GE Money Visa Credit Card (Poland)
· 422287 — Raiffeisen Bank Visa Classic (Russia)
· 42383701 — Sampopank Visa Premier (Estonia)
· 42383702 — Sampopank Visa Gold (Estonia)
· 424201 — Landesbank Baden-Württemberg Payback Premium
· 424327 — Skandiabanken Visa Credit Card (Norway)
· 424339 — Skandiabanken Betal & Kreditkort Visa Credit Card (Sweden)
· 424671 — Ing Bank Slaski SA (Poland)
· 426354 — Comdirect Bank Visa Credit Card (Germany)
· 427010, 19-20, 28-30, 38-39, 62, 64, 85 — Industrial and Commercial Bank of China Visa
· 427208 — Mercedes Benz Bank
· 427229 — VTB24 Visa Classic (Russia)
· 4276** — Sberbank of Russia
· 427760 — Citibank Russia
· 4279** — Sberbank of Russia Visa Gold
· 4282** — Landesbank Berlin Visa Credit Card (Germany)
· 4289150 — BRE Bank MultiBank Visa Platinum Credit Card (Poland)
· 4289151 — BRE Bank MultiBank Visa Aquarius Black Credit Card (Poland)
· 429158 — Bank of Moscow Visa Electron Social Security Card
· 430252 — Bank of Cyprus Greece Prepaid Visa
· 431261 — IWBank Visa
· 431262 — IWBank Visa Electron
· 4318** — S-Bank Visa
· 432158 — BA Finance/Credit Europe Bank Visa Classic “Auchan” Card (Russia)
· 432919 — Cartasi Eura Visa Electron (Italy)
· 432901 — BRE Bank MultiBank Visa Classic Aquarius PayWawe Debit Card (Poland)
· 432937 — BRE Bank MultiBank Visa Electron Aquarius Debit Card (Poland)
· 4329386 — BRE Bank MultiBank Visa Classic Aquarius Debit Card (Poland)
· 4329387 — BRE Bank MultiBank Visa Classic Debit Card (Poland)
· 4344 — Landesbank Berlin Holding Visa Credit Card (Amazon.de Credit Card)
· 436338 — Landesbank Berlin AG ADAC VISA Gold
· 440210 — Citibank Handlowy Visa Silver (Poland)
· 440211 — Citibank Handlowy Visa Gold (Poland)
· 4405 — Latvijas Krājbanka (Latvia)
· 440626 — Slovenská sporiteľňa Visa Electron
· 440752 — ČSOB Visa Classic (Czech Republic)
· 440753 — ČSOB Visa Electron (Czech Republic)
· 4412 — Deutsche Bank Gold Credit Card (Germany)
· 444238 — SMP Bank Visa Classic (Russia)
· 445479 — Keytrade Bank Visa Classic Credit Card
· 445480 — Keytrade Bank Visa Gold Credit Card
· 446155 — BRE Bank mBank Visa Electron (Czech Republic)
Part 4: BIN Validation Code (Production-Ready)
Here is working JavaScript you can deploy immediately. It validates network, length, and Luhn checksum.
JavaScript
/**
* BIN Validator — identifies network and validates card number
* Supports 6-digit and 8-digit BINs per ISO/IEC 7812:2017
*/
const NETWORKS = [
{ name: 'Visa', pattern: /^4/, lengths: [13, 16, 19] },
{ name: 'Mastercard', pattern: /^(5[1-5]|222[1-9]|22[3-9]|2[3-6]|27[01]|2720)/, lengths: [16] },
{ name: 'American Express', pattern: /^3[47]/, lengths: [15] },
{ name: 'Discover', pattern: /^(6011|65|64[4-9]|622(12[6-9]|1[3-9]|[2-8]|9[01]|92[0-5]))/, lengths: [16] },
{ name: 'JCB', pattern: /^35(2[89]|[3-8])/, lengths: [16] },
{ name: 'Diners Club', pattern: /^(36|30[0-5]|5[45])/, lengths: [14, 16] },
{ name: 'China UnionPay', pattern: /^62/, lengths: [16, 17, 18, 19] },
{ name: 'Maestro', pattern: /^(50|5[6-8]|6)/, lengths: [12, 13, 14, 15, 16, 17, 18, 19] },
{ name: 'UATP', pattern: /^1/, lengths: [15] },
];
function luhnCheck(cardNumber) {
let sum = 0;
let shouldDouble = false;
for (let i = cardNumber.length - 1; i >= 0; i--) {
let digit = parseInt(cardNumber[i], 10);
if (shouldDouble) {
digit *= 2;
if (digit > 9) digit -= 9;
}
sum += digit;
shouldDouble = !shouldDouble;
}
return sum % 10 === 0;
}
function identifyNetwork(cardNumber) {
const clean = cardNumber.replace(/\D/g, '');
for (const net of NETWORKS) {
if (net.pattern.test(clean) && net.lengths.includes(clean.length)) {
return net.name;
}
}
return 'Unknown';
}
function validateCard(cardNumber) {
const clean = cardNumber.replace(/\D/g, '');
const network = identifyNetwork(clean);
const lengthValid = network !== 'Unknown';
const luhnValid = luhnCheck(clean);
const bin8 = clean.substring(0, 8);
const bin6 = clean.substring(0, 6);
return {
network,
bin8: bin8,
bin6: bin6,
length: clean.length,
lengthValid: lengthValid,
luhnValid: luhnValid,
overall: lengthValid && luhnValid,
};
}
console.log(validateCard('4111111111111111'));Python
import re
NETWORKS = [
("Visa", r"^4", [13, 16, 19]),
("Mastercard", r"^(5[1-5]|222[1-9]|22[3-9]|2[3-6]|27[01]|2720)", [16]),
("American Express", r"^3[47]", [15]),
("Discover", r"^(6011|65|64[4-9]|622(12[6-9]|1[3-9]|[2-8]|9[01]|92[0-5]))", [16]),
("JCB", r"^35(2[89]|[3-8])", [16]),
("Diners Club", r"^(36|30[0-5]|5[45])", [14, 16]),
("China UnionPay", r"^62", [16, 17, 18, 19]),
("Maestro", r"^(50|5[6-8]|6)", list(range(12, 20))),
("UATP", r"^1", [15]),
]
def luhn_check(number: str) -> bool:
digits = [int(d) for d in number]
for i in range(len(digits) - 2, -1, -2):
digits[i] *= 2
if digits[i] > 9:
digits[i] -= 9
return sum(digits) % 10 == 0
def validate_card(number: str) -> dict:
clean = re.sub(r"\D", "", number)
network = "Unknown"
for name, pattern, lengths in NETWORKS:
if re.match(pattern, clean) and len(clean) in lengths:
network = name
break
return {
"network": network,
"bin8": clean[:8],
"bin6": clean[:6],
"length": len(clean),
"length_valid": network != "Unknown",
"luhn_valid": luhn_check(clean),
"overall": network != "Unknown" and luhn_check(clean),
}Part 5: BIN Lookup — A Better Approach
Static BIN lists go stale within months. Here is a sustainable lookup strategy.
Tier 1: Open-Source Databases (Free)
· binlist.net — Free API, community-maintained, roughly 350,000 BINs
· binlist-data (GitHub) — Raw CSV, updated regularly
· Open Source BIN DB — Multiple community forks
Tier 2: Commercial Providers (Paid)
· BINDB — Comprehensive, real-time updates
· Neutrino — Fraud-focused, includes risk signals
· Mastercard BIN Lookup — Official, but limited access
Tier 3: Build Your Own
For high-volume processors, maintaining an internal BIN database is often worth it:
- Ingest from binlist-data weekly
- Enrich with issuer metadata (country, card type) from official sources
- Cache aggressively (BINs change rarely)
- Monitor for new 8-digit BINs entering circulation
Part 6: Common BIN Questions Answered
Why does my BIN lookup give different results across tools?
Because most free tools pull from the same stale Wikipedia dataset (circa 2010). Commercial providers update more frequently. Always cross-reference two or three sources.
Can a BIN identify fraud?
No. BIN lookup identifies the issuer, not the cardholder. Fraud detection requires transaction-level signals.
Why do some cards have 19 digits?
Visa introduced 19-digit cards in 2022 for select prepaid programs. UnionPay has used 16 to 19 digits for years. Your validator must handle these.
What happened to Switch, Solo, and Laser?
They were absorbed into Maestro (Switch, Solo) or discontinued (Laser). If you see these prefixes today, treat with suspicion.
Is BIN data GDPR-regulated?
BIN data itself is not personal data — it identifies an institution, not a person. However, combining BIN with transaction data may trigger GDPR or CCPA obligations. Consult legal counsel.
Part 7: The 8-Digit BIN Transition — Developer Checklist
Action Priority Effort
Update regex patterns to accept 6–8 digit BINs Critical Low
Audit database columns storing BIN (ensure at least 8 chars) Critical Low
Update BIN lookup API calls to request 8-digit results High Medium
Re-validate historical transaction data Medium High
Monitor network bulletins for new prefixes Medium Ongoing
Part 8: Quick Reference Table
Network Prefix Length Active
Visa 4 13, 16, 19 Yes
Mastercard 51–55, 2221–2720 16 Yes
American Express 34, 37 15 Yes
Discover 6011, 65, 644–649, 622126–622925 16 Yes
JCB 3528–3589 16 Yes
Diners Club 36, 300–305, 54, 55 14, 16 Yes
China UnionPay 62 16–19 Yes
Maestro 50, 56–58, 6 12–19 Yes
UATP 1 15 Yes
InterPayment 636 16 Yes
InstaPayment 637–639 16 Yes
Bankcard 5610, 560221–560225 16 Retired
enRoute 2014, 2149 15 Retired
Laser 6304, 6706, 6771, 6709 16–19 Retired
Solo 6334, 6767 16, 18, 19 Retired
Switch 4903, 4905, 4911, 4936, 564182, 633110, 6333, 6759 16, 18, 19 Retired
Part 9: Further Reading and Sources
· ISO/IEC 7812-1:2017 — Official standard (paid)
· PCI DSS v4.0 — Requirements for storing card data
· binlist.net — Free BIN lookup API
· GitHub: binlist-data — Open BIN dataset
· EMVCo — Chip card specifications
· Visa and Mastercard public BIN bulletins — Network announcements
Disclaimer: This content is for educational and technical purposes. It does not constitute financial, legal, or compliance advice. Consult qualified professionals for your specific use case.