Payment card number

A payment card number, primary account number (PAN), or simply a card number, is the card identifier found on payment cards, such as credit cards and debit cards, as well as stored-value cards, gift cards and other similar cards. In some situations the card number is referred to as a bank card number. The card number is primarily a card identifier and may not directly identify the bank account number/s to which the card is/are linked by the issuing entity. The card number prefix identifies the issuer of the card, and the digits that follow are used by the issuing entity to identify the cardholder as a customer and which is then associated by the issuing entity with the customer’s designated bank accounts. In the case of stored-value type cards, the association with a particular customer is only made if the prepaid card is reloadable. Card numbers are allocated in accordance with ISO/IEC 7812. The card number is typically embossed on the front of a payment card, and is encoded on the magnetic stripe and chip, but may also be imprinted on the back of the card.

The payment card number differs from the Business Identifier Code (BIC/ISO 9362, a normalized code—also known as Business Identifier Code, Bank International Code or SWIFT code). It also differs from Universal Payment Identification Code, another identifier for a bank account in the United States.

Structure

Payment card numbers are composed of 8 to 19 digits,^[1] The leading six or eight digits are the issuer identification number (IIN) sometimes referred to as the bank identification number (BIN).^[2]^: 33^[3] The remaining numbers, except the last digit, are the individual account identification number. The last digit is the Luhn check digit. IINs and PANs have a certain level of internal structure and share a common numbering scheme set by ISO/IEC 7812. The parts of the number are as follows:

a six or eight-digit Issuer Identification Number (IIN),^[a] the first digit of which is the major industry identifier (MII)
a variable length (up to 12 digits) individual account identifier
a single check digit calculated using the Luhn algorithm^[5]

^ IIN length has been extended to 8-digits in fifth edition of ISO/IEC 7812 published in 2017^[4] and PAN will continue to remain variable length, ranging from 10 to 19 digits.

Issuer identification number (IIN)

Bernard Aybouts - Blog - MiltonMarketing.com — Partial IIN on a credit card (both printed and embossed)

The first six or eight digits of a card number (including the initial MII digit) are known as the issuer identification number (IIN). These identify the card issuing institution that issued the card to the card holder. The rest of the number is allocated by the card issuer. The card number’s length is its number of digits. Many card issuers print the entire IIN and account number on their card.

In some circumstances, the issuer identification number (IIN) or bank identification number (BIN) may not be licensed directly from the issuing network (such as Mastercard or Visa). Obtaining an IIN/BIN number can be costly, time consuming and demand intensive operational burdens on in-house regulatory and compliance teams. For this reason, some new card programmes may use a ‘BIN sponsor’, in which case the IIN/BIN number is effectively sub-licensed from a scheme regulated entity. This is known as BIN sponsorship, and is a popular way for financial institutions to fast-track access to market.^[6]

In the United States, IINs are also used in NCPDP pharmacy claims to identify processors, and are printed on all pharmacy insurance cards. IINs are the primary routing mechanism for real-time claims.

The ISO Register of Issuer Identification Numbers database is managed by the American Bankers Association. ABA is the Registration Authority for this standard and is responsible for allocating IINs to issuers.

Online merchants may use IIN lookups to help validate transactions. For example, if a card’s IIN indicates a bank in one country, while the customer’s billing address is in another, the transaction may call for extra scrutiny.

Issuing network	IIN ranges	Active	Length	Validation
American Express	34, 37^[7]	Yes	15^[8]	Luhn algorithm
Bankcard^[9]	5610, 560221–560225	No	16
China T-Union	31	Yes	19
China UnionPay	62	Yes	16–19^[10]
Diners Club enRoute		Yes	15	No Validation
Diners Club International^[11]	36	Yes	14–19^[10]	Luhn algorithm
Diners Club United States & Canada^[12]	55	Yes	16
Discover Card	6011, 644-649, 65	Yes	16–19^[10]
Discover Card	622126–622925 (China UnionPay co-branded)	Yes	16–19^[10]
UkrCard	60400100–60420099	Yes	16–19
RuPay	60, 65, 81, 82, 508	Yes	16
RuPay	353, 356 (RuPay-JCB co-branded)	Yes	16
InterPayment	636	Yes	16–19
InstaPayment	637–639	Yes	16
JCB	3528–3589	Yes	16–19^[10]
Laser	6304, 6706, 6771, 6709	No	16–19
Maestro UK	6759, 676770, 676774^[13]	Yes	12–19
Maestro	5018, 5020, 5038, 5893, 6304, 6759, 6761, 6762, 6763	Yes	12–19
Dankort	5019	Yes	16
Dankort	4571 (Visa co-branded)^[14]	Yes	16
Mir	2200–2204	Yes	16–19
BORICA (Bulgarian national payment system)	2205	Yes	16
NPS Pridnestrovie	6054740–6054744	No^[15]	16
Mastercard	2221–2720^[16]	Yes (since 2017)^[17]	16
Mastercard	51–55^[16]	Yes	16
Solo	6334, 6767	No	16, 18, 19
Switch	4903, 4905, 4911, 4936, 564182, 633110, 6333, 6759	No	16, 18, 19
Troy	65 (Discover co-branded^[18])	Yes	16
Troy	9792^[19]	Yes	16
Visa	4	Yes	13, 16, 19
Visa Electron	4026, 417500, 4508, 4844, 4913, 4917	Yes	16
UATP	1	Yes	15
Verve	506099–506198, 650002–650027, 507865-507964	Yes	16, 18, 19
LankaPay	357111	Yes	16
UzCard	8600	Yes	16	Unknown
Humo	9860	Yes	16	Unknown
GPN	1946 (BNI cards)	Yes	16, 18, 19	Luhn algorithm
GPN	50, 56, 58, 60-63	Yes	16, 18, 19	Luhn algorithm
Napas	9704	Yes	16, 19	Unknown

On 8 November 2004, Mastercard and Diners Club formed an alliance. Diners Club cards issued in Canada and the United States start with 54 or 55 and are treated as Mastercards worldwide. International cards use the 36 prefix and are treated as Mastercards in Canada and the United States, but are treated as Diners Club cards elsewhere. Diners Club International’s website makes no reference to old 38 prefix numbers, and they can be presumed reissued under the 55 or 36 IIN prefix. Effective 16 October 2009, Diners Club cards beginning with 30, 36, 38 or 39 have been processed by Discover Card.^[20]

On 3 November 2014, Mastercard announced that they were introducing a new series of BIN ranges that begin with a “2” (222100–272099). The “2” series BINs will be processed the same as the “51–55” series BINs are today. They became active 14 October 2016.

On 23 July 2014 JSC NSPK was established in the Russian Federation. The joint stock company National System of Payment Cards (NSPK) is the operator of the Mir National Payment System. The main initiatives of NSPK are to create the national payment system infrastructure and to issue a national payment card Mir.

Effective 1 October 2006, Discover began using the entire 65 prefix, not just 650. Also, similar to the Mastercard/Diners agreement, China UnionPay cards are now treated as Discover cards and accepted on the Discover network.

While the vast majority of Visa’s account ranges describe 16 digit card numbers there are still a few account ranges (forty as of 11 December 2013) dedicated to 13 digit PANs and several (439 as of 11 Dec. 2013) account ranges where the issuer can mix 13 and 16 digit card numbers. Visa’s VPay brand can specify PAN lengths from 13 to 19 digits and so card numbers of more than 16 digits are now being seen.

Switch was re-branded as Maestro in mid-2007.^[21] In 2011, UK domestic Maestro (formerly Switch) was aligned with the standard international Maestro proposition with the retention of a few residual country specific rules.

EMV Certification requires acceptance of a 19-digit Visa card (ADVT 6.1.1 Test Case 2) and Discover Card (E2E Test Plan v1.3, Test Case 06).

Canadian bank card numbering

Bank card numbers issued by Canadian banks also follow a pattern for their systems:

Issuing network	Ranges	Length
Canadian Imperial Bank of Commerce Advantage Debit Card	4506 (Interac and Visa Debit)	16 digits
Royal Bank of Canada Client Card	45	16 digits
TD Canada Trust Access Card	4724 (Interac and Visa Debit)	16 digits
Scotiabank Scotia Card	4536	16 digits
BMO ABM Card	500, 5510	16 digits
HSBC Bank Canada Card	56	16 digits
Conexus Credit Union Member Card	629449	16 digits

Security measures

To reduce the risk of credit card fraud, various techniques are used to prevent the dissemination of bank card numbers. These include:

Format-preserving encryption: in which the account number is replaced with a strongly encrypted version which retains the format of the card data including non sensitive parts of the field such as first six and last four digits. This permits data field protection without changing payment IT systems and applications. A common use is for protecting card data from the point of capture in a secure reader to the payment processing host end-to-end to mitigate risk of data compromise in systems such as the Point of Sale (POS). AES-FF1 Format-Preserving Encryption is defined in NIST Specification SP800-38G.
PAN truncation: in which only some of the digits on a card are displayed or printed on receipts. The PCI DSS standard dictates that only the first six and last four digits of the PAN may be printed on a receipt or displayed in cases other than where a business need requires the full PAN. US federal law (FACTA) allows only the display of the last 5 digits. In order to comply with both PCI DSS requirements and US federal law, generally only the last four digits are provided elsewhere to allow an individual to identify the card used.
Tokenization: in which an artificial account number (token) is printed, stored or transmitted in place of the true account number.

References

^ “Announcing Major Changes to the Issuer Identification Number (IIN) Standard”. www.ansi.org.
^ R. Shirey (August 2007). Internet Security Glossary, Version 2. Network Working Group. doi:10.17487/RFC4949. RFC 4949. Informational.
^ “ISO/IEC 7812-1:2017 Identification cards – Identification of issuers – Part 1: Numbering system”. ISO.org. January 2017. Retrieved 12 June 2017.
^ “ISO/IEC 7812-1:2017”.
^ “ISO/IEC 7812-1:2006”. ISO.
^ “What is issuing BIN sponsorship?”. Monavate.com. 29 March 2021. Retrieved 2 July 2021.
^ “Card Security Features” (PDF). American Express. January 2001. Archived from the original (PDF) on 5 March 2006. Retrieved 5 April 2006.
^ “American Express Card security features” (PDF). Archived from the original (PDF) on 4 May 2021. Retrieved 25 October 2021.
^ “Bankcard Association of Australia”. Archived from the original on 6 April 2006. Retrieved 3 February 2017.
^ Jump up to:^a ^b ^c ^d ^e “February 2017 Compliance Update” (PDF). Archived from the original (PDF) on 22 August 2017. Retrieved 22 August 2017.
^ “Mastercard Diners Club Alliance”. Archived from the original on 4 December 2008. Retrieved 11 August 2022.
^ “Diners Club – Fraud Management”. Archived from the original on 29 December 2007. Retrieved 11 August 2022.
^ “Barclaycard BIN Ranges and Rules – UK” (PDF). Archived from the original on 17 February 2019. Retrieved 11 August 2022.
^ “Nets Technical Reference Guide” (PDF). 1-14.3.2 Building the MSC Selection Table.
^ “Об отмене Указа Президента Приднестровской Молдавской Республики от 22 мая 2015 года № 202 «Об общих условиях организации и функционирования в Приднестровской Молдавской Республике Национальной платежной системы»” [On the cancellation of the Decree of the President of the Pridnestrovian Moldavian Republic dated 22 May 2015 No. 202 “On the general conditions for the organization and functioning of the National Payment System in the Pridnestrovian Moldavian Republic”].
^ Jump up to:^a ^b “Mastercard Rules” (PDF). Mastercard. 21 December 2017. Archived from the original (PDF) on 14 May 2018.
^ “Mastercard 2-Series BIN Implementation for Merchants” (PDF). www.mastercard.us.
^ “Turkey’s Troy moves overseas with Discover deal”. No. 9 November 2017. 9 November 2017. Retrieved 19 February 2022.
^ Elçiboğa, Ibrahim Kudret. “TROY Bin Listesi”. Fraud and Chargeback (in Turkish). Retrieved 31 August 2020.
^ “Diners Club International Ranges Available for Development Purposes Only” (PDF). October 2008. Archived from the original on 6 October 2011. Retrieved 27 August 2023.
^ “Switch to Maestro”. Archived from the original on 8 August 2010. Retrieved 20 August 2010.

[5] IIN length has been extended to 8-digits in fifth edition of ISO/IEC 7812 published in 2017^[4] and PAN will continue to remain variable length, ranging from 10 to 19 digits.

[1] “Announcing Major Changes to the Issuer Identification Number (IIN) Standard”. www.ansi.org.

[rfc4949-2] R. Shirey (August 2007). Internet Security Glossary, Version 2. Network Working Group. doi:10.17487/RFC4949. RFC 4949. Informational.

[3] “ISO/IEC 7812-1:2017 Identification cards – Identification of issuers – Part 1: Numbering system”. ISO.org. January 2017. Retrieved 12 June 2017.

[4] “ISO/IEC 7812-1:2017”.

[6] “ISO/IEC 7812-1:2006”. ISO.

[7] “What is issuing BIN sponsorship?”. Monavate.com. 29 March 2021. Retrieved 2 July 2021.

[GenCardFeatures-8] “Card Security Features” (PDF). American Express. January 2001. Archived from the original (PDF) on 5 March 2006. Retrieved 5 April 2006.

[AmExSecFeatures-9] “American Express Card security features” (PDF). Archived from the original (PDF) on 4 May 2021. Retrieved 25 October 2021.

[NoMoreBankCard-10] “Bankcard Association of Australia”. Archived from the original on 6 April 2006. Retrieved 3 February 2017.

[Discover_2017_Compliance-11] Jump up to:^a ^b ^c ^d ^e “February 2017 Compliance Update” (PDF). Archived from the original (PDF) on 22 August 2017. Retrieved 22 August 2017.

[MC_DC_Ref-12] “Mastercard Diners Club Alliance”. Archived from the original on 4 December 2008. Retrieved 11 August 2022.

[DinerUS-13] “Diners Club – Fraud Management”. Archived from the original on 29 December 2007. Retrieved 11 August 2022.

[Barclaycard-14] “Barclaycard BIN Ranges and Rules – UK” (PDF). Archived from the original on 17 February 2019. Retrieved 11 August 2022.

[:0-15] “Nets Technical Reference Guide” (PDF). 1-14.3.2 Building the MSC Selection Table.

[16] “Об отмене Указа Президента Приднестровской Молдавской Республики от 22 мая 2015 года № 202 «Об общих условиях организации и функционирования в Приднестровской Молдавской Республике Национальной платежной системы»” [On the cancellation of the Decree of the President of the Pridnestrovian Moldavian Republic dated 22 May 2015 No. 202 “On the general conditions for the organization and functioning of the National Payment System in the Pridnestrovian Moldavian Republic”].

[mastercard-rules-17] Jump up to:^a ^b “Mastercard Rules” (PDF). Mastercard. 21 December 2017. Archived from the original (PDF) on 14 May 2018.

[18] “Mastercard 2-Series BIN Implementation for Merchants” (PDF). www.mastercard.us.

[19] “Turkey’s Troy moves overseas with Discover deal”. No. 9 November 2017. 9 November 2017. Retrieved 19 February 2022.

[20] Elçiboğa, Ibrahim Kudret. “TROY Bin Listesi”. Fraud and Chargeback (in Turkish). Retrieved 31 August 2020.

[DisCard9.1-21] “Diners Club International Ranges Available for Development Purposes Only” (PDF). October 2008. Archived from the original on 6 October 2011. Retrieved 27 August 2023.

[22] “Switch to Maestro”. Archived from the original on 8 August 2010. Retrieved 20 August 2010.

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Card Number	Issuing Country	Issuing Authority	Notes
354269	JP	West Japan Railway Company	J-WEST JCB Credit Card
3560**	KR	BC Card	JCB Credit Card (Silver)
356210	HK	HSBC	JCB Credit Card
356239	HK	Bank of East Asia	JCB Credit Card
356296	KR	Shinhan Card	JCB Debit Card
356297	KR	Shinhan Card	JCB URS Credit Card (Local)
3563**	KR	BC Card	JCB Credit Card (Gold)
356316	KR	NH Card	JCB Credit Card (Silver)
356317	KR	NH Card	JCB Credit Card (Gold)
3565**	KR	BC Card	JCB Credit Card (Corporate)
356800	KR	Korea Exchange Bank	JCB Credit Card (Silver)
356801	KR	Korea Exchange Bank	JCB Credit Card (Gold)
356803	KR	Korea Exchange Bank	JCB Credit Card (Corporate, Silver)
356804	KR	Korea Exchange Bank	JCB Credit Card (Corporate, Gold)
356820	KR	Woori Bank BC Card	JCB Credit Card (Silver)
356835	CN	Bank of China	JCB Credit Card
356895	CN	China Construction Bank	China UnionPay/JCB Credit Card
356900	KR	Shinhan Card	JCB Credit Card (Silver)
356901	KR	Shinhan Card	JCB Credit Card (Gold)
356902	KR	Shinhan Card	JCB Credit Card (Corporate)
356910	KR	Kookmin Bank	JCB Credit Card (Corporate)
356911	KR	Kookmin Bank	JCB Credit Card (Silver)
356912	KR	Kookmin Bank	JCB Credit Card (Gold)
356914	KR	Lotte Card	JCB Credit Card (Silver)
356915	KR	Lotte Card	JCB Credit Card (Gold)
356916	KR	Lotte Card	JCB Credit Card (Corporate)
358413	JP	AEON Credit Service	AEON JCB Credit Card
358419	JP	AEON Credit Service	AEON View Suica JCB Credit Card
358761	JP	Famima Credit Corporation	Famima T Card

Card Number	Issuing Country	Issuing Authority	Notes
3600**	EC	Diners Club International Credit Card
3614**	FI	Diners Club International Credit Card
3616**	KR	Diners Club International Credit Card	Issued by Hyundai Card
3617**	AU	Diners Club International Credit Card
3633**	CA	Diners Club International Credit Card	Defunct
3634**	CA	Diners Club International Credit Card	Issued by IBM. Defunct.
3635**	SG	Diners Club International Credit Card
3640**	IL	Diners Club International Credit Card	Issued by Israel Credit Cards (ICC).
3641**	VE	Diners Club International Credit Card
3643**	UK	Diners Club International Credit Card
3648**	AT	Diners Club International Credit Card
3670**	IN	Diners Club International Credit Card

Card Number	Issuing Country	Issuing Authority	Notes
337941	PL	Bank Millennium	American Express Gold Credit Card
370266	US	American Express	Prepaid Card
3712**		American Express	Costco Wholesale Executive Card
3713**		American Express	Delta SkyMiles Platinum Card
3715**		American Express	Centurion Card
3717**		American Express	Platinum Card
3723**		American Express	Costco Wholesale Platinum Card
372301	CA	American Express	Gift Card
372395		American Express	Blue Cash Express Card
372550		American Express	Starwood Preferred Guest hotel loyalty credit card
3727**	CA	American Express	Gold Air Miles Card
372734		American Express	Blue for Business credit (small business)
372741	US	American Express	SERVE Preferred Client Card
372888	US	American Express	Gold Card
372863	US	American Express	Platinum Card
3732**	CA	American Express	Blue Airmiles cash back card
373275		American Express	Business
3733**	CA	American Express	Blue Airmiles Card / SPG Credit Card / Aeroplan Plus Platinum / Business Platinum Charge Card
3735**	CA	American Express	Gold Cash Back Card / Platinum Charge Card
3742**	UK	American Express	Charge Card
374283	UK	American Express	Preferred Rewards Gold Card
374288	UK	American Express	Centurion Charge Card
374289	UK	American Express	Platinum Charge Card
3743**	UK	American Express	International Euro Charge Card
374314	US	Bank of America	American Express
374322	US	Bank of America	American Express
374326	US	American Express	Gift Card
374328	US	American Express	Gift Card
374345	US	Citibank	American Express Cards
374350	US	Citibank	American Airlines credit card
3745**	UK	American Express	International Dollar Charge Card
374604		American Express	Platinum Credit Card (UK)
374614		American Express	British Airways Premium Plus card
374622	FR	American Express	Optima Credit Card
374654	DE	American Express	Blue Card
374660		American Express	[BMW] card
374661		American Express	BMW card
374671		American Express	Blue card
374691	UK	American Express	Platinum credit card
374693	UK	American Express	Platinum credit card
374716	US	FIA Card Services	Fidelity Rewards American Express card
374801	FI	American Express	Platinum Charge card
374970	FR	American Express	Air France KLM Flying Blue co-branded Gold Charge Card
374996	FR	American Express	Corporate Card
3750**	DE	American Express	American Express Germany Products
3751**	FI	American Express
375142	CN	American Express	Tencent Holdings TenPay Prepaid Card
3752**	IT	American Express
3753**	NL	American Express
375415 0	AU	Commonwealth Bank of Australia
375415 1	AU	Commonwealth Bank of Australia	Gold card
375415 5	AU	Commonwealth Bank of Australia	Gold card
375416 5	AU	Commonwealth Bank of Australia	Platinum card
375549 0	ES	Swedbank	American Express Blue
375549 2	ES	Swedbank	American Express Gold
375622	TR	Garanti Bank	American Express Green Card
375628	TR	Garanti Bank	American Express Shop&Miles co-branded Gold Card
375790	SE	American Express	Corporate card
3758**	CH	American Express	Corporate card
3759**	HK		American Express Cathay Pacific Credit Card
3760**	AU		American Express Card Australia and American Express UK Nectar Credit Card
376211	SG		Singapore Airlines Krisflyer American Express Gold Credit Card
3763**	HK	American Express
376317	SG	UOB	PRVI Miles
3764**		American Express	Credit Card
3766**	MX	American Express, Platinum, Sri Lanka	Charge card
3767**	MX	American Express	Platinum credit card
376966	CN	China CITIC Bank	American Express Card
376968	CN	China CITIC Bank	American Express Gold Card
370286	CN	China Merchants Bank	American Express Gold Card
3770**	UK	Lloyds TSB	Airmiles American Express Card
377032	VE		American Express Corp-Banca / Banco Occidental de Descuento
377064	UK	Lloyds TSB	Airmiles Premier American Express Card
377100	HK	American Express	Platinum credit card
377130	UK	MBNA Europe Bank (Bank of America)	bmi Credit Card
377165	HK	Citibank (Hong Kong)	Citibank Cash Back American Express® Card
3772**		American Express	Starwood Preferred Guest hotel loyalty credit card
377311	UK	MBNA Europe Bank (Bank of America)	bmi plus Credit Card
377311	UK	MBNA Europe Bank (Bank of America)	Virgin Atlantic Credit Card
377441	NZ	American Express	Black Card
377445	NZ		BMW American Express Card
377687	UK	Lloyds TSB	Avios Premier American Express Card (Project Verde)
377705	AU	American Express Australia Limited	David Jones Storecard with Rewards
377826	CL	Banco Santander	Club de Lectores El Mercurio
377878	AU	National Australia Bank
3797**	US	American Express	Delta SkyMiles Gold Card

Card Number	Issuing Country	Issuing Authority	Notes
500235	CA	National Bank of Canada	ATM/Debit Card
500766	CA	Bank of Montreal	ATM/Debit Card
501007	AU	Westpac Banking Corporation	Handycard ATM (including Cirrus) and eftpos card
501008	AU	Westpac Banking Corporation	Mondex purse card (2000 trial – no longer used)
501012	CA	Meridian Credit Union	Debit and Exchange Network Card
502029∅		ASPIDER	Smartcards for Mobile Telecommunications∅
502123	KR⁄	Kookmin Card	Check Card (Maestro Debit Card)
503615	ZA	Standard Bank of South Africa	Maestro Debit Card
504507		Barnes & Noble	Gift Card
504834	IN	ING Vysya Bank	Maestro Debit/ATM Card
504837	US	Fleet Bank	ATM Only Card.
5049**	US	CitiBank	Sears Card
5077**	US		Maestro EBT Card
507704	US		Maestro Indiana EBT Card
507708	US		Maestro Wisconsin EBT Card
507709	US		Maestro Kentucky EBT Card
507711	US		Maestro Michigan EBT Card
507717	US		Maestro Texas EBT Card
507719	US		Maestro California EBT Card
507720	US		Maestro West Virginia EBT Card∤

Card Number	Issuing Country	Issuing Authority	Notes
510000	RO	Amro Bank
510001	GR	Agricultural Bank of Greece
510002	EE	Estonia Credit Bank
510003	KR	Samsung Card Co
510005	TR	HSBC
510008	NL	VSB International
510009	CH	Europay
510010	PL	Powszchny Bank Kredytowy Warszawie
510011	CH	Europay
510013-510014	ES	SEMP
510015-510016	GR	Agricultural Bank of Greece
510017	ES	Fimestic Bank
510018	PL	PKO Savings Bank
510019	HU	Budapest Bank Ltd	Investment Card, embossed.
510021-510023	CH	Europay
510024-510025	ES	SEMP
510029	NL	VSB International
510030	FI	SEB Kort
510034	ES	Fimestic Bank
510035	BY	Belarus Bank
510036	AD	Sabadell Bank of Andorra
510037	GR	General Bank of Greece
510038-510039	RU	Bank of Trade Unions Solidarity and Social Investment (Solidarnost)
510040	US	5-Star Bank
510060-510062	ES	SEMP
510087	ES	Santander Bank	Debit Card
510136	CZ	CitiBank	Gold Credit Card
510142	CZ	CitiBank
510197		UBS AG	MasterCard
510241	UK	RBS
510259	PL	Alior Sync	MasterCard Debit Card
510782	US	FirstMerit Corporation	MasterCard Debit Card
5108**		INGDirect	Electric Orange Debit Card
510840		The Bancorp Bank	Higher One MasterCard Debit Card
510875	US	Lake Michigan Credit Union	MasterCard Debit Card
510982	US	USAA	USAA Cash Rewards Debit MasterCard
511000-511199	US	Chase Manhattan Bank USA
5112**	US	Chase Manhattan Bank USA	SubCodes: 00-22, 24, 27, 28, 30-35, 39, 42-44, 61-68, 73-79, 81-84, 88, 93, 94, 96, 98
511300-511499	US	Chase Manhattan Bank USA
5115**	US	Chase Manhattan Bank USA	SubCodes: 00-10, 14, 14, 19-24, 28, 30, 32-34, 36, 38-40, 43-44, 48, 53, 55, 59, 62-64, 66-68, 72-74, 78-79, 85-86, 90, 92-95
5116**	US	Chase Manhattan Bank USA	SubCodes: 00-05, 07-10, 14, 20, 22, 42, 47, 50, 54, 56, 61, 64-65, 67-69, 71, 73-74, 76-86, 88-96, 98-99
5117**	US	Chase Manhattan Bank USA	SubCodes: 12, 16, 21, 26, 30,32-34, 40, 42-44, 46-49, 56, 60, 62-63, 65-67, 70-71, 74-75, 78-85, 88, 90-91, 93-94, 96, 99
5118**	US	Chase Manhattan Bank USA	SubCodes: 00, 07-09
511810	US	PayPal	PayPal Secure Credit Card
5118**	US	Chase Manhattan Bank USA	SubCodes: 12-34, 36-44, 47-53, 56-57, 59-61, 64-67, 69-72, 74-76, 78-82, 85, 87-99
5119**	US	Chase Manhattan Bank USA	SubCodes: 00-02, 04, 10, 11, 13, 16-17, 20-21, 32, 34, 37-39, 42, 53, 58, 64, 67, 72 74, 81, 87-88, 95, 98-99
512000	US	Western States BankCard Association
512005	US	Western States BankCard Association
512010	US	Western States BankCard Association
512012	US	Chase Manhattan Bank USA
512015	US	Western States BankCard Association
512022	US	Western States BankCard Association
512023	JO	International Card
512024	US	Western States BankCard Association
512105	US	Western States BankCard Association
512106-512108	US	Sears National Bank	Citi Sears MasterCard
512109	CL	Corp Banca
512110-512111	US	Western States BankCard Association
512127	AU	BankWest Business Debit MasterCard
512136	US	Western States BankCard Association
5122**	US	Western States BankCard Association	SubCodes: 07, 10, 11, 13, 21, 40, 44, 62, 65, 68, 77, 78, 81-83, 87-89, 90, 93, 95, 97
5123**	US	Western States BankCard Association	SubCodes: 44, 56, 69, 75, 87-88, 90
512462		Lotte Card	MasterCard Gold Card
5125**	US	Western States BankCard Association	SubCodes: 00, 02-09, 11-50
512551-512555	ES	Europay 6000
512568	PL	Citi	Gold MasterCard Citi Poland
512569	UK	Lloyds TSB
512607		Continental Finance	MasterCard $300 Limit Card
512622	IN	SBI	Tata Card Mastercard Credit Card
512687	UK	Sainsbury	Sainsbury Credit Card
5130**	FR	Europay France	SubCodes: 11, 15-18, 20-38
513100	FR	Europay France
513101	FR	Europay France Crédit Agricole	Gold MasterCard Credit Card
5131**	FR	Europay France	SubCodes: 02-40
513141	FR	Europay France Crédit Agricole	MasterCard Credit Card
513142	FR	Europay France
513143	FR	Europay France Advanzia Bank	MasterCard Credit Card
5131**	FR	Europay France Advanzia Bank	SubCodes: 44-99
5132**	FR	Europay France	SubCodes: 00-03, 07-21, 24-25, 30-49, 50-58, 61-79, 83-88, 90-94, 96-97, 99
5133**	FR	Europay France	SubCodes: 00, 10, 20, 50
5134**	FR	Europay France	SubCodes: 00, 11-13
513453	FR	BNP Paribas	MasterCard Credit Card
5135**	FR	Europay France	SubCodes: 00-34
513536	FR	Europay France BRED Banque Populaire	Affinity MasterCard Credit Card
5135**	FR	Europay France	SubCodes: 37-70
5136**	FR	Europay France	SubCodes: 00-23
513624	FR	Europay France – Barclays Bank PLC	MasterCard Platinum
5136**	FR	Europay France	SubCodes: 24-53, 55, 62-70, 98-99
513691	RU	Russian Standard Bank, Russia	MasterCard Unembossed (Instant Issue)
5137**	FR	Europay France	SubCodes: 00, 04, 07-08, 10-14
5138**	FR	Europay France	SubCodes: 00-35
513900	FR	Europay France
514011	US	Integra Bank
514012	US	CitiBank South Dakota
514013	US	Elgin First Credit Union
514015	US	Infibank
514016	US	Miramar First Credit Union
514017	US	Franklin Templeton Bank and Trust
514019-514020	US	Wells Fargo
514021	US	Juniper Bank	Now known as Barclays Bank PLC
514022	US	Navy Federal Credit Union
514045	AU	Aussie	Mastercard Credit Card
514102	US	Park National Bank
514108	US	Paradigm Bank Texas
514250	AU	Commonwealth Securities	Debit Mastercard
514253	US	EDS Employees First Credit Union
514700		Mascoma Savings Bank	Business Mastercard Debit Card
514876	KR	CitiBank	Platinum MasterCard
514889	US	Juniper Bank	Now known as Barclays Bank PLC
514923	US	Chase Manhattan Bank USA
515462	US	Bankcorp Bank “Vanilla” Sams Club Gift PrePaid
515854	RU	Citibank Citigold Debit Card
517644	US	Miramar First Credit Union
516010	PL	Polbank EFG	MasterCard Credit Card
516029		CitiFinancial	Shell/CitiFinancial Europe MasterCard
516300	AU	Westpac Banking Corporation
516310	AU	Westpac Banking Corporation
516315	AU	Westpac Banking Corporation
516331	RU	Svyaznoy Bank
516335	AU	Westpac Banking Corporation
516321	AU	Westpac Banking Corporation	Australia Mastercard Credit Card
516337	AU	Westpac Banking Corporation	Australia Platinum MasterCard
516361	AU	Westpac Banking Corporation	Debit MasterCard
516366	AU	Westpac Banking Corporation	Debit MasterCard
516693	USA	FISERV SOLUTIONS	CREDIT Mastercard
517651	US	5-Star Bank
517652		HDFC Bank	MasterCard Gold Credit Card
517669	UK	HSBC	(formerly Household) MasterCard Credit Card
517805	US	Jpmorgan Chase Bank	MasterCard Credit Card
517869	US	Union Bank^{[disambiguation needed]}	MasterCard Debit Card
518126		Utility Warehouse	MasterCard PrePaid Card
518127	CA	President’s Choice Financial	MasterCard Credit Card
518142	UK	MBNA	MasterCard^{[citation needed]}
518145	UK	Royal Bank of Scotland	Tesco Bank Classic MasterCard Credit Card
518152	UK		Tesco Bank ClubCard MasterCard Credit Card
518175	UK	MBNA	British Midland Airways MasterCard
518346	DE	Unicredit Bank AG	Unicredit Bank AG Mastercard
518390	US	Citibank	Sunoco or Conoco Mastercard
518542	HK	HSBC	Premier Banking World Mastercard
518676	IE	AvantCard	AvantCard (formerly MBNA Ireland) Platinum MasterCard
518652	EUR GBR EDINBURGH	ROYAL BANK OF SCOTLAND PLC.
518791		Lloyds TSB	MasterCard CreditCard
518868	AU	Bendigo Bank	bendigoblue MasterCard Debit
518996	Russia	UniCredit Bank,
519000	CA	Bank of Montreal
519113	CA	Bank of Montreal
519120-519123	CA	Bank of Montreal
519129	CA	Bank of Montreal
519133	CA	Bank of Montreal
519140-519143	CA	Bank of Montreal
519154	CA	Bank of Montreal
519161-519162	CA	Bank of Montreal
519163	NZ	Kiwibank
519173	CA	Bank of Montreal
519180-519183	CA	Bank of Montreal
519200-519202	CA	Bank of Montreal
519220-519223	CA	Bank of Montreal
519240-519242	CA	Bank of Montreal
519244	AU	Bendigo Bank	Business Blue Debit Mastercard
519259	CA	Bank of Montreal
519269	CA	Bank of Montreal	USD Mastercard
519281	CA	Bank of Montreal
519283	CA	Bank of Montreal
519290	CA	Bank of Montreal
519293-519294	CA	Bank of Montreal
519322-519323	CA	Bank of Montreal
519332	CA	Bank of Montreal
519342	CA	Bank of Montreal
519371	CA	Bank of Montreal
519373	CA	Bank of Montreal
519381	CA	Bank of Montreal
519383	CA	Bank of Montreal
519390-519391	CA	Bank of Montreal
519393-519395	CA	Bank of Montreal
519398	CA	HSBC Canada
519400	CA	Bank of Montreal
519403	CA	Bank of Montreal
519409	CA	Bank of Montreal
519430-519431	CA	Bank of Montreal
519433-519434	CA	Bank of Montreal
519443	CA	Bank of Montreal
519463	PH	Banco De Oro	MasterCard Debit Card
519490-519491	CA	Bank of Montreal
519493-519494	CA	Bank of Montreal
519520		Altair	Prepaid Cards
519525		Contis Group & EZPay	Prepaid Cards
519540-519544	CA	Bank of Montreal

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Welcome to the Credit Card Generator and Validator App!

This educational web application allows you to generate and validate credit card numbers. Whether you’re testing payment gateways, learning about credit card validation algorithms, or simply exploring how credit card numbers are structured, this tool is here to assist you.

How to Use:

Generating a Card Number:

Select a card issuer from the dropdown menu.

Click the “Generate Card Number” button.

Instantly get a randomly generated valid credit card number for the selected issuer.

Validating a Card Number:

Enter a credit card number into the designated field.

Click the “Validate Card Number” button.

Discover if the entered card number is valid according to the Luhn algorithm and find out the issuer.

Enjoy exploring the functionalities of this app and deepen your understanding of credit card systems!

The program follows the following logic:

Here’s a step-by-step example of how the Luhn algorithm check works for a credit card number:

Example Credit Card Number: 1234 5678 9123 4560

Reverse the Order of Digits:

Start by reversing the order of the digits in the number. For the example, the reversed number would be: 0654 3219 8765 4321.

Double Every Second Digit, Starting from the Right:

Then, every second digit (now every first digit from the right in the reversed order) is doubled. If doubling results in a number greater than 9, subtract 9 from it.

The doubling starts from the first digit (now the rightmost digit after reversal), so:

0 (unchanged) – 6*2=12 -> 12-9=3 – 5 (unchanged) – 4*2=8 – …

Resulting sequence: 0 3 6 2 5 4 8 2 7 6 5 4 6 2 4 1

Sum All the Digits:

Add all the digits together:

0+3+6+2+5+4+8+2+7+6+5+4+6+2+4+1 = 65

Check If the Total Modulo 10 Equals Zero:

Finally, take the sum and perform a modulo 10 operation. If the result is 0, then the number is valid according to the Luhn algorithm.

In our example: 65 % 10 = 5. Since the result is not 0, this indicates that 1234 5678 9123 4560 is not a valid credit card number according to the Luhn check.

Key Points to Remember:

The purpose of the algorithm is to catch common errors in numbers, like single digit mistakes or switching adjacent digits.

The Luhn algorithm does not verify that a credit card number is valid or that it exists. It only checks that the number is possibly valid.

Let’s implement a simple function in Python to apply the Luhn algorithm and verify if a credit card number is valid.

As demonstrated by the Python function implementing the Luhn algorithm, the example credit card number 1234 5678 9123 4560 is indeed not valid according to the Luhn check, aligning with our step-by-step manual calculation.

This function and example showcase how the Luhn algorithm can quickly and effectively determine the validity of numerical sequences, particularly useful for verifying credit card numbers and other ID numbers against simple errors.

Final Word

This page contains a list of issuer identification numbers and to which bank or institution they are assigned.

Contents

Overview

BIN Ranges

ISO/TC 68 and other industry assignments (0*****)

Airlines (1*****)

Airlines and other future industry assignments (2*****)

Travel and entertainment and banking/financial (3*****)

Diners Club and others (30****)

31****

HSBC RETAIL (3746010***)

JCB (35****)

Diners Club International (36****)

American Express (37****)

38****

Banking and financial (4*****)

Visa (40****)

Visa (41****)

Visa (42****)

Visa (43****)

Visa (44****)

Visa (45****)

Visa (46****)

Visa (47****)

Visa (48****)

Visa (49****)

Banking and financial (5*****)

Mastercard (51****)

Insufficient Digits[edit source | edit]

Mastercard (52****)

Mastercard (53****)

Mastercard (54****)

Mastercard (55****)

Maestro and others (56****)

57****

58****

Merchandising and banking/financial (6*****)

60****

61****

62****

China UnionPay (6200**-6250**)

6270**-6281**

Start by reversing the order of the digits in the number. For the example, the reversed number would be: `0654 3219 8765 4321`.

0 (unchanged) – 62=12 -> 12-9=3 – 5 (unchanged) – 42=8 – …

Resulting sequence: `0 3 6 2 5 4 8 2 7 6 5 4 6 2 4 1`

In our example: 65 % 10 = 5. Since the result is not 0, this indicates that `1234 5678 9123 4560` is not a valid credit card number according to the Luhn check.

As demonstrated by the Python function implementing the Luhn algorithm, the example credit card number `1234 5678 9123 4560` is indeed not valid according to the Luhn check, aligning with our step-by-step manual calculation.

China UnionPay (6200-6250)

6270-6281

United States (8901, 8914)