DNS records and worldwide DNS propagation checker

BIN Checker

BIN Checker is designed to instantly verify, validate & check BIN (Bank Identification Number) on the updated free BIN/IIN database.

About BIN Lookup Tool

The BIN lookup fetches the card issuer details and facilitates identifying the issuing bank by the card. It tells which bank and its branch issued that card.

Credit and Debit Card Number Format

As per ISO/IEC 7812, the Credit & Debit Card number can be up to 19 digits in length. For example, a credit or debit card format generated by a credit card generator looks like 3703 5165 4675 858.

Starting from left to right,

  • 3 represents the Major Industry Identifier.
  • 3703 51 represents the BIN number or IIN code.
  • 65 4675 85 represents the Account number.
  • 8 represents the Check digit / Checksum to validate the Card Number by the credit card validator.

What is a BIN number?

The Bank Identification Number (BIN)  or Issuer identification number (IIN) is the numbering system designed by the American National Standards Institute (ANSI) and the International Organization for Standardization (ISO) to identify the financial institutions issuing the payment cards. A pivot point binds the card's issuer with its transaction.

BIN is the first four to six-digit number on any payment card issued by the bank or other financial institution, also called IIN (Issuer Identification Number). It's embossed on each credit, debit, gift, stored value, or similar card in circulation and appears in print below it.

Each card number is regulated under international standards (ISO/IEC 7812) to ensure that no two cards share the same number.

Breaking down of Bank Identification Number (BIN)

The cardholder generally does not know much about BIN, but it's essential.

The first digit of the BIN identifies the industry in which the card is mainly used, called Major Industry Identifier (MII). The MII ranges from 0 to 9, representing different industry categories. For example, 0 represents the ISO / TC 68 and other industry duties. The number 4 represents the Banking and Finance industry.

The following five digits of BIN represent the issuing bank or financial institute that issued the card.

Overall, BIN helps identify the financial institution that issued the payment card. It identifies the issuer authorized to receive the request to verify if the card or account is valid and if the requested amount is in the account. That means if the card was issued for the USA and represented in another country for processing. It will be readily recognizable by its BIN. The system helps financial institutions identify stolen payment cards and prevent identity theft.

How does BIN work?

Suppose a customer uses their payment card at a fuel filling station to fill their tank. When the customer swipes the card, the system detects its BIN and identifies the card issuer institution. The system will forward an authorization request to the customer's account and be authorized within a few seconds. The transaction will be approved if the customer has sufficient balance or declined if not.

How to perform the BIN Lookup to validate, verify & check BIN?

For the BIN search and BIN lookup, perform the following steps.

  • Open the BIN Checker.
  • Enter the BIN number in the space provided for that section.
  • It provides you with the following information.
    • The Major Industry Identifier (MII)
    • The name and address of the financial institution that issued that card.
    • The card brand (Visa or MasterCard).
    • The card type (debit card or a credit card).
    • The issuing bank country.
    • And much more.

Benefits of using the BIN checker

With time our living standards have changed. Due to technological exposure, there were dramatic changes that affected our lives. The modern system leads us to a more convenient payment system. But the flip side is that now we are more exposed to criminality and theft. One of the safety features simulated is the Bank Identification Number (BIN).

Our card BIN checker performs BIN number lookup and offers the following benefits.

  • The BIN code checker helps identify from which bank the money will be transferred and its address. If the issuing bank is from the same country, the device requested the transaction (by tracking the IP address location). And the merchant verifies that information. Then the merchant is in the position to accept multiple forms of transactions and allow faster processing.
  • Many fraudsters rely on time spam between card acceptance and its validation. Today, everyone is in a hurry. The same goes for the e-commerce industry. The customer wants instant results, and the transaction time needs less. The online marketplace needs an instantaneous transfer of money and delivery of ownership. Therefore, faster BIN number lookup is required for a smooth and secure transaction flow.
  • We always give value to our user's privacy and security. Our BIN code checker is entirely free and safe to use. We neither save, store, nor share information searched through our BIN search app.
  • With our BIN number checker, we are trying to provide you with the maximum information about the card-issuing institute. For example, the online merchant can get the following information after submitting the cards' first four to six digits.
    • The Major Industry Identifier (MII)
    • The name and address of the financial institution that issued the card.
    • The card brand (Visa or MasterCard).
    • The card type (debit card or a credit card).
    • The issuing bank country.
    • And much more.

IP address lookup and BIN check. How does their combo help?

As we all know, all the devices on the internet have some identification number called IP address. The IP address contains a lot of information. One can get a glimpse of that from what is my IP address tool. However, some online customers use VPNs or other software to mask their IP. That practice is followed to unlock some websites, products, or features unavailable by the websites or stores because of the customer's location as checked by IP. However, the e-commerce store owner can filter them out with the help of a BIN & IP check. First, get the BIN of the payment card the customer enters for a transaction. Now check the customer's IP address. After getting both:

  1. Use the BIN checker to unlock critical information about the card issuer, like the name of the financial institution that issued the card, its country, and much more.
  2. From the customer's IP address, get the location of that IP from the IP locator.
  3. Compare both. If the BIN and IP address are directed to the same country, then there's a probability that the transaction and the person behind that are genuine.


What's the future of BIN?

Due to technological advancement and the shift from manual payment to digital, the usage of BIN will likely expand. That means, in the future, we need more unique BIN numbers. However, currently, there is no shortage of account numbers. But because in the future, we may be drained out with that. Therefore, in 2016, the International Organization for Standardization (ISO) announced changes to the BIN/IIN, including expanding it from six digits to the first eight digits.

What are BIN attacks?

Here, the fraudster takes the card's first four to six digits (BIN or IIN code) and uses some software or online tools to generate the remaining card number. These generated card numbers are tested to check which one is active.

The fraudster does small transactions, usually less than 1$, through online stores. They also developed software that runs the generated card numbers through the website. The cards being tested range from several per day to thousands of cards in a matter of hours. That practice continues unless the fraudster finds the active card number.

Remember, your bank will never call or text you to inform you that your account information has been compromised. So if you receive any call or text about that, do not engage with the scammer. Better to inform your bank about the such activity or the official platform provided by your government.