Which BINs Do Payment Schemes Work With?

Banks increase the variety of their products and services in order to offer more to their customers. When they want to introduce new products to customers, they usually do this by issuing the product under a new BIN.

So, are there valid rules when obtaining a new BIN (Bank Identification Number)?

There are certain rules for obtaining a new BIN. However, the most important point is generating a BIN number within the range set for the relevant payment scheme and providing it to the issuer bank (the bank that issues the card).

What are the BIN ranges that payment schemes can use?

The BIN ranges that payment schemes can use are listed below.

Payment Scheme	BIN Range	Active?	Card Number Length
American Express	34, 37	Yes	15
Bankcard	5610, 560221-560225	No	16
China UnionPay	62	Yes	16-19
Diners Club Carte Blanche	300-305	Yes	14
Diners Club enRoute	2014, 2149	No	15
Diners Club International	36	Yes	14
Diners Club United States & Canada	54, 55	Yes	16
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	Dec-19
MasterCard	2221-2720, 51-55	Yes	16
Solo	6334, 6767	No	16, 18, 19
Switch	4903, 4905, 4911, 4936, 564182, 633110, 6333, 6759	No	16, 18, 19
Visa	4	Yes	13, 16, 19
UATP	1	Yes	15
TROY	979200-979289	Yes	16

BIN ranges by scheme

Visa cards start with 4. Mastercard cards start with numbers in the ranges 51-55 and 2221-2720. American Express cards start with 34 or 37. Troy cards fall within the range starting with 9792.

After a bank receives a BIN from a scheme, it issues cards with numbers that fit within this range. Knowing the ranges allows payment forms to automatically recognize the scheme.

Ranges may expand over time; the scheme organizations' documentation should be consulted for the current list.