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Проверьте основные данные кредитной карты

What is BIN?

Bank Identification Number (“BIN”) or Issuer identification number (“IIN”) is the first six digits of a bank card number or payment cards number and it is part of ISO/IEC 7812. It is commonly used in credit cards and debit cards, stored-value cards, gift cards, and other similar cards.

BIN is beneficial to identify a card brand, issuing institution or bank, country of issuance, card type, and category of cards. This information is very useful in the commercial business for fraud prevention, especially in online stores.

BREAKING DOWN Bank Identification Number - BIN

Bank identification numbers are used by other institutions, such as American Express, as well. The term "issuer identification number" (IIN) is used interchangeably with BIN. The numbering system helps identify identity theft or potential security breaches by comparing data, such as the address of the institution issuing the card and the address of the cardholder.

How It Works

The bank identification number is a numbering system developed by the American National Standards Institute and the International Organization for Standardization (ISO) to identify institutions that issue bank cards. The first digit of the BIN specifies the Major Industry Identifier (MII), such as airline, banking, or travel, and the next five digits specify the issuing institution or bank. For example, the MII for a Visa credit card starts with a 4. The BIN helps merchants evaluate and assess their payment card transactions.

The BIN quickly helps a merchant identify which bank the money is being transferred from, the address and phone number of the bank, if the issuing bank is in the same country as the device used to make the transaction, and verifies the address information provided by the customer. The number allows merchants to accept multiple forms of payment and allows faster processing of transactions.

When a customer makes an online purchase, the customer enters her card details on the payment page. After submitting the first four to six digits of the card, the online retailer can detect which institution issued the customer’s card, the card brand (such as Visa or MasterCard), the card level (such as corporate or platinum), the card type (such as a debit card or a credit card), and the issuing bank country.

Authorization

The BIN identifies which issuer receives the authorization request for the transaction to verify if the card or account is valid and whether the purchase amount is available on the card. This process results in the charge being either approved or denied.

For example, a customer stands at a gas pump and swipes her bank card. Once she swipes the card, the system scans the BIN to detect the specific issuing institution that withdraws the funds. An authorization request is put on the customer's account. The request is authorized within a few seconds, and the transaction is approved. The credit card processing system would be unable to determine the origin of the customer's funds and would be unable to complete the transaction without a BIN.

About the BIN Check tool

BIN Checker tool is designed to check the existence of a Bank Identification Number (BIN) base on an updated database. Currently, there is more than +365,460 unique BIN in our database.

Kindly take note that, the database is accurate but not perfect.

The tool is provided for informational purposes only. Whilst every effort is made to provide accurate data, users must acknowledge that this website accepts no liability whatsoever with respect to its accuracy. Only your bank can confirm the correct bank account information. If you are making an important payment, which is time-critical, we recommend contacting your bank first.