Bank Identification Number

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A Bank Identification Number (BIN) is the first six digits of the credit card, debit card, charge card, etc. These digits identify which network the card belongs to as well as which bank issued it.

Online merchants may use BIN lookups to help validate transactions. For example, if the credit card's BIN indicates a bank in one country, while the customer's billing address is in another, the transaction may call for extra scrutiny.

Mars Software offers a freeware database (link deleted Trojan Horse Detected 06/12/2006) (Microsoft Windows Compatible Only) of Bank Identification Numbers.

All Net Tools offers a free BIN lookup Web site.

Bank Identification Numbers are used in NCPDP pharmacy claims to identify processors. BINs are the primary routing mechanism for realtime claims. Each processor has one or more BINs, which it divides into plans by using Group Number and Processor Control Number fields. BINs are printed on all pharmacy insurance cards in the United States.

The term "Issuer Identification Number" (IIN) is replacing "Bank Identification Number". See ISO 7812 for more information.

[edit] See also

In addition to credit, debit and stored-value cards (gift cards), BIN numbers are used with Electronic Benefit Transfer (EBT) Cards. These are used to enable persons on public assistance to spend their government benefits in approved ways. A list of EBT BIN numbers by state may be found here.

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