BIN LIST TOOL

The first six digits of the account number in any credit

card indicate the Bank Identification Numbers (BIN).
These numbers are very important as they must be
verified before any payment would be authorized.
Validating this number involves the use of a BIN list tool
to identify the institution that issued the card and other
secured information.
The BIN checking tools, as I mentioned earlier, is a
tool employed in authenticating the corporality of a
bank identification number from updated databases.
The primary function of this tool is to get the necessary
information needed to validate transactions done with
credit cards. This involves checking the first 4 to 6 digit of
the credit or debit card.
Due to frequent changes and the wide range of records
that it covers – over 300, 000 record at the moment - it is
almost impossible to maintain or read directly from the
BIN list.
Fortunately there is a tool that helps curb this drawback
– the BIN checker tool. We will talk more about this tool
in the next article.
 How The BIN List Tool Works
It is pretty simple. The aim of the tool is to lookup the
BIN to see if it is a credit, debit prepaid, or charge card.
To use the too, simply enter the first six digit and click on
check. The tool will bring up all the secured information
related to the BIN you entered.
Here is a table showing the card design for BIN range and
length.

Card design for Bank Identification Number

(BIN) Range and Length

Issuing network BIN ranges Active Length

American Express 34, 37 Yes 15

Bankcard 5610, 560221-560225 No 16

China UnionPay 62 Yes 16-19

Diners Club Carte
300-305 Yes 14
Blanche

Diners Club enRoute 2014, 2149 No 15

Diners Club International 36 Yes 14

Diners Club Canada &
54, 55 Yes 16
USA
Discover Card 6011, 622126-622925, 644-649, 65 Yes 16

InterPayment 636 Yes 16

InstaPayment 637-639 Yes 16

JCB 3528-3589 Yes 16

Laser 6304, 6706, 6771, 6709 No 16-19

Maestro 50, 56-58, 6 Yes 12-19

MasterCard 2221-2720, 51-55 Yes 16

16, 18,
Solo 6334, 6767 No
19
564182, 4903, 633110, 4936, 6759, 4911, 19, 18,
Switch No
4905, 6333 16

13, 16,
Visa 4 Yes
19

UATP 1 Yes 15

The BIN List tool also checks for the Major Industry
Identifier, which is the first digit of the credit card
number.
Below is a table showing the Major Industry Identifier
(MII)
Major Industry Identifier Category
(MII)
0 ISO/TC 68 and other
 industry assignments
1 Airlines
2 Airlines, financial and other
future industry assignments
3 Travel and entertainment
4 Banking and financial
5 Banking and financial
6 Merchandising and
banking/financial
7 Petroleum and other future
industry assignments
8 Healthcare,
telecommunications, and
other future industry
assignments
9 For assignment by national
standards bodies

Why use the BIN list tool?

The BIN list tool is useful in determining the card
type by traders. It tells whether it is a credit card,
debit card, prepaid card, or charge card.
It helps to prevent fraudulent transactions especially
from foreign countries outside US and Canada. The
BIN list tool provides users with the opportunity to
monitor suspicious orders.