BIN Checker
Enter the first 6–8 digits of any payment card to identify the scheme, card type, issuing bank, and country.
458,044
BINs indexed
19,405
Card issuers
225
Countries
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Understanding Bank Identification Numbers
A BIN (Bank Identification Number) — also known as an IIN (Issuer Identification Number) — is the first 6 to 8 digits of a payment card number. Every Visa, Mastercard, American Express, and Discover card starts with a BIN that uniquely identifies the issuing institution.
BINs are assigned by card networks and used by payment processors, fraud detection systems, and merchants to route transactions, validate cards, and assess risk. A BIN lookup reveals:
- Card network — Visa, Mastercard, Amex, Discover, UnionPay, JCB, etc.
- Card type — Debit, credit, or prepaid
- Issuing bank — The financial institution that issued the card
- Country of issuance — Where the issuing bank is based
BIN data is public and shared across millions of cards. Entering a BIN does not expose any personal or account information. The remaining digits of a card number identify the specific account and include a check digit validated by the Luhn algorithm.
How a card number is put together
Take a 16-digit card number. The first digit is the major industry identifier — 4 and 5 are banking and finance, which is why so many cards start with those. The first six to eight digits together are the BIN, identifying the network and the issuer. Everything between the BIN and the last digit is your individual account number, assigned by the bank. The final digit is a check digit: run the whole number through the Luhn algorithm and it should come out divisible by ten, which is how a payment form catches a typo before it ever reaches the bank.
That structure is why a BIN is safe to share and a full card number is not. The BIN is common to every card in a batch — often millions of them — and identifies an institution, not a person.
Card number prefixes by scheme
Every network is allocated its own prefixes under ISO/IEC 7812. You can tell the scheme from the first few digits alone, before any lookup:
| Scheme | Starts with | Digits | BINs here |
|---|---|---|---|
| Visa | 4 | 13, 16 or 19 | 100,000 |
| Mastercard | 51–55, 2221–2720 | 16 | 99,238 |
| American Express | 34, 37 | 15 | 20,000 |
| Discover | 6011, 622126–622925, 644–649, 65 | 16 or 19 | 16,810 |
| JCB | 3528–3589 | 16 | 6,200 |
| Diners Club | 300–305, 36, 38–39 | 14 or 16 | 36,000 |
| UnionPay | 62 | 16 to 19 | 10,000 |
| Maestro | 50, 56–69 | 12 to 19 | 149,999 |
- Visa — Every Visa card begins with a 4. The largest single range in use.
- Mastercard — The 2-series was added in 2017 once the 5-series began running out.
- American Express — Fifteen digits rather than sixteen, and no 4-4-4-4 grouping.
- Discover — The 62 range is shared with UnionPay under a co-badging agreement.
- JCB — Japanese scheme, accepted on Discover’s network outside Japan.
- Diners Club — Owned by Discover. Fourteen-digit cards are still in circulation.
- UnionPay — China’s domestic scheme and the largest card network by cards issued.
- Maestro — Mastercard’s debit brand, withdrawn in Europe from 2023.
A prefix tells you the network. It does not tell you the bank, the card type or the country — those come from the issuer's specific range, which is what a lookup resolves. Two cards both starting 4 can be a debit card from a credit union in Ohio and a corporate charge card from a bank in Singapore.
Data sources: binlist-data by Ian Nuttall (CC BY 4.0), and binlist.net user contributions by Timothy Stranex and contributors (Apache-2.0), merged and extended by Fyatu. Last updated .
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BIN Checker FAQ
Common questions about BIN numbers and card identification.