Bank Identification Number (“BIN”)

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, city & country of issuance, card type and category of cards. This information is very useful in commercial business for fraud prevention, especially in online store.

Structure of Credit Card & Debit Card Numbers with BIN

An ISO/IEC 7812 number is up to 19 digits in length and used the following format A BBBBB CCCCCCCCCCCC where A BBBBB denote the Bank Identification Numbers ("BIN") or Issuer identification number ("IIN") A (Single Digit) specify the Major Industry Identifier (MII). BBBBB (5 Digits) specify the issuing institution or bank. CCCCCCCCCCCC (up to 12 digits) specify the individual account identifier. D (Single Digit) specify the checksum for validation.