The first digit is different for each card network: Visa cards – Begin with a 4 and have 13 or 16 digits, Mastercard cards – Begin with a 5 and has 16 digits, American Express cards – Begin with a 3, followed by a 4 or a 7  has 15 digits, Discover cards – Begin with a 6 and have 16 digits, Diners Club and Carte Blanche cards – Begin with a 3, followed by a 0, 6, or 8 and have 14 digits, This last digit verifies card numbers for accuracy to make sure that they weren’t input incorrectly, Digits 7-12 or 7-15: Represent the account number, Digits 2 & 3, 2-4, 2-5, or 2-6: Make up the bank number; depends on whether digit two is a 1, 2, 3 or other digit, Digits after the bank number, up to digit 15: Represent the account number, Digits 5-11: Represent the account number, Digits 12-14: Represent the card number within the account, To give issuers a predetermined end to your relationship, so they can end it if they so choose. The first six digits of each credit card number make up the issuer identifier, which denotes the credit card network to which the number belongs. What do ironing boards have to do with credit cards? Here are the nine MII numbers: Credit cards generate money for card issuers by charging customers interest fees on their card balances (learn how interest can be avoided). The thirteenth through the second to last identify the authorized card holder or the sub-account, if there is one. For Visa cards, the second through six numerals indicate what financial institution the card belongs to—the bank number. The date only gives the issuer a predefined end to the relationship if they choose to end it. Each digit represents a different industry. Also, first 6 digits for Visa and Mastercard are code numbers for the issuing institution. Digits 1-6 — The IIN / BIN The first six digits of the card number, inclusive of the MII, are called the IIN (Issuer Identification Number) or BIN (Bank Identification Number). Contact us here. The most common issuers, Visa and MasterCard, have standardized 16 digits in the U.S., while American Express uses 15 digits. The first number is 4 for all visa cards. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. Bin List (Binlist) & Bin Ranges Binlist of visa bin, mastercard bin, amex bin List of Issuer Identification Numbers* The first 6 digits of a credit card number are known as the Issuer Identification Number (IIN), previously known as bank identification number (BIN). First Digit. Let’s now dig a little deeper to determine the type of Visa cards that start with the digits 4400. It’s known as the major industry identifier (MII). 5: Mastercard. The rest of the digits are also different for each card network: This chip is an alternative method of holding the cardholder’s information, in addition to the magnetic stripe (which is on the back of the card). When early credit cards were first issued, they had as few as eight or nine digits. In this case, Bank of America just relies on the card name to indicate the issuing bank. Learn more about how credit card security codes here. Who is the longest reigning WWE Champion of all time? On Visa, MasterCard, and Discover cards, the code is a three-digit code on the back of your card. You just need the information printed on it. You apply to this bank to get the card, and it determines card details like reward points and benefits. Credit Card Insider is an independent, advertising supported website. The first six … These identify the card issuing institution that issued the card to the card holder. Visa's VPay brand can specify PAN lengths from 13 to 19 digits and so card numbers of more than 16 digits are now being seen. New to credit cards? If this card were of Visa Signature status, it would say so right here.
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