Card Security Intelligence
& Threat Analysis

BIN Checker tool is designed to check the existence of a Bank Identification Number (BIN) based on an updated database. Currently, there are more than 300,000 unique BINs indexed across 197 countries and all major payment networks.

Kindly take note that the database is accurate but not perfect. The tool is provided for informational and security research 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.

A Bank Identification Number (BIN), also known as an Issuer Identification Number (IIN), is the first 6 to 8 digits of a payment card number. It uniquely identifies the institution that issued the card — including the bank name, card network (Visa, Mastercard, Amex, UnionPay), card type (credit or debit), and tier (Classic, Gold, Platinum, Business, Corporate).

BIN codes are used by merchants and payment processors to route transactions, detect fraud, and assess authentication requirements before a purchase is completed.

VBV (Verified by Visa) and its Mastercard equivalent (SecureCode) are 3D Secure authentication layers that require the cardholder to confirm their identity via OTP, SMS, or bank app during an online purchase. Most standard consumer cards from UK, EU, AU, and IN banks are VBV-enforced.

Non-VBV cards skip this challenge entirely. These are typically Business, Corporate, or Prepaid card tiers where the issuer has not enrolled the range in 3DS. Frictionless 3DS2 is a middle-ground — it authenticates silently in the background using behavioral and device data, and only escalates to an OTP challenge when anomalies are detected.

Our BIN Search queries a real-time IIN registry via the HandyAPI database. Enter any 6–8 digit BIN and the tool returns: card network, card type, card tier, issuing bank name, issuing country, Luhn validity, and 3D Secure authentication forecast — all in under one second, completely free.

The tool supports extended 8-digit IINs introduced under ISO 7812-1, providing higher accuracy for newer card ranges issued after 2017.

The IP/BIN Checker cross-references a BIN's issuing country against the visitor's IP geolocation. This is critical in fraud analysis: if the card country does not match the transaction IP country, most 3DS2 risk engines will escalate to a full OTP challenge — even on cards that are otherwise Non-VBV.

Use the IP/BIN Checker to understand how location mismatch affects authentication probability for a given BIN range.

A Credit Card Checker validates whether a full credit card number (PAN) passes the Luhn algorithm check, and confirms the card's BIN data — network, type, tier, and issuing bank. It does not test live authorization against a payment processor; it validates the structural integrity of the card number.

This tool is used by fraud analysts and security researchers to quickly assess the validity of card data without any real-world transaction attempt.

A Credit Card Generator creates syntactically valid card numbers that pass the Luhn algorithm for testing and development purposes. These are not real financial instruments — they cannot be used for actual purchases and have no funds associated with them.

Security researchers and developers use card generators to test payment form validation, e-commerce checkout flows, and fraud detection logic in sandbox environments without exposing real card data.