Non VBV/MSC BINs List: A Comprehensive Guide

What Is a BIN?

The Bank Identification Number (BIN) is a unique 6-digit code assigned to every credit or debit card. This identifier helps distinguish the issuing bank, card type, and country of origin. If you’re unsure about a card’s BIN, numerous online tools can help you retrieve this information.

Understanding VBV (Verified by Visa)

Verified by Visa (VBV), also known as 3D Secure, provides an additional security layer for online transactions. Cards with VBV protection require cardholders to authenticate each transaction through:

• SMS or email verification codes (OTP)
• Personal security questions
• Biometric confirmation
• Details like SSN, DOB, or family member names

Non-VBV cards bypass these authentication steps, making them particularly vulnerable to fraudulent activities since they don’t require secondary verification per transaction.

What Is MSC (Mastercard SecureCode)?

Similar to Visa’s VBV, Mastercard SecureCode (MSC) offers equivalent protection for Mastercard transactions. This security protocol requires cardholders to verify purchases through personalized authentication methods.

OTP Explained

One-Time Password (OTP) refers to a unique, temporary code used to authorize a single transaction. These codes typically consist of numeric or alphanumeric sequences sent via SMS, email, or generated through authentication apps.

Complete Non VBV and Non MSC BINs List

United States BINs

• 479126 – ESL F.C.U. VISA DEBIT CLASSIC UNITED STATES
• 410894 – BRANCH BANKING AND TRUST COMPANY VISA DEBIT CLASSIC UNITED STATES
• 427138 – CITIBANK, N.A. VISA CREDIT PREMIER UNITED STATES
• 480011 – FIA CARD SERVICES, N.A. VISA CREDIT GOLD PREMIUM UNITED STATES
• 476164 – TCF NATIONAL BANK VISA DEBIT CLASSIC UNITED STATES
• 432845 – SOVEREIGN BANK VISA DEBIT CLASSIC UNITED STATES
• 488893 – FIA CARD SERVICES, N.A. VISA CREDIT PLATINUM UNITED STATES
• 432630 – BANK OF AMERICA, N.A. VISA DEBIT PLATINUM UNITED STATES
• 406095 – NAVY F.C.U. VISA CREDIT CLASSIC UNITED STATES
• 462120 – CITIBANK, N.A. VISA CREDIT CLASSIC UNITED STATES

Australia BINs

• 456432 – SUNCORP-METWAY, LTD. VISA DEBIT CLASSIC AUSTRALIA
• 456430 – SUNCORP-METWAY, LTD. VISA DEBIT CLASSIC AUSTRALIA
• 460198 – COMMONWEALTH BANK OF AUSTRALIA VISA CREDIT CLASSIC AUSTRALIA
• 456444 – BANK OF WESTERN AUSTRALIA, LTD. VISA CREDIT BUSINESS AUSTRALIA
• 443446 – CUSCAL, LTD. VISA DEBIT CLASSIC AUSTRALIA
• 455702 – NATIONAL AUSTRALIA BANK, LTD. VISA CREDIT PREMIER AUSTRALIA
• 498416 – MACQUARIE BANK, LTD. VISA CREDIT PLATINUM AUSTRALIA

Mastercard BINs

• 515598 – HSBC BANK NEVADA, N.A. MASTERCARD STANDARD UNITED STATES
• 516361 – WESTPAC BANKING CORPORATION MASTERCARD DEBIT STANDARD AUSTRALIA
• 550200 – CITIGROUP PTY, LTD. MASTERCARD CREDIT AUSTRALIA
• 521894 – CITIBANK MASTERCARD AUSTRALIA
• 512576 – GE CAPITAL FINANCE AUSTRALIA MASTERCARD CREDIT AUSTRALIA

European BINs

• 455620 – SANTANDER CONSUMER BANK AG VISA CREDIT PREMIER GERMANY
• 415974 – DEUTSCHE APOTHEKER- UND AERZTEBANK EG VISA CREDIT PREMIER GERMANY
• 523236 – SANTANDER CONSUMER BANK AG MASTERCARD CREDIT STANDARD GERMANY
• 490638 – BARCLAYS BANK PLC VISA CREDIT PREMIER GERMANY
• 428258 – LANDESBANK BERLIN AG VISA CREDIT CLASSIC GERMANY

UK BINs

• 414260 – AIB GROUP (UK) PLC VISA CREDIT BUSINESS UNITED KINGDOM
• 413777 – CITIBANK INTERNATIONAL PLC VISA CREDIT CLASSIC UNITED KINGDOM
• 447963 – CITIFINANCIAL EUROPE PLC VISA CREDIT CLASSIC UNITED KINGDOM
• 448400 – CITIBANK INTERNATIONAL PLC VISA PURCHASING UNITED KINGDOM
• 425727 – CITIBANK INTERNATIONAL PLC VISA CREDIT CORPORATE T UNITED KINGDOM

Global BINs

• 498406 – BANCO DO BRASIL, S.A. VISA CREDIT PLATINUM BRAZIL
• 490172 – BANCO ITAUCARD, S.A. VISA CREDIT PLATINUM BRAZIL
• 400192 – TELLER, A.S. VISA DEBIT CLASSIC NORWAY
• 434812 – TELLER, A.S. VISA DEBIT CLASSIC NORWAY
• 416027 – INTESA SANPAOLO S.P.A. VISA CREDIT BUSINESS ITALY

Additional Non VBV Visa Card BINs

• 436501 – VISA CREDIT PLATINUM MALAYSIA
• 436542 – BANK ISLAM MALAYSIA BERHAD VISA DEBIT CLASSIC MALAYSIA
• 454818 – VISA AUSTRIA VISA CREDIT CLASSIC AUSTRALIA
• 494052 – COMMONWEALTH BANK OF AUSTRALIA VISA CREDIT CLASSIC AUSTRALIA
• 456448 – CITIGROUP PTY, LTD. VISA CREDIT CLASSIC AUSTRALIA

Specialized Card BINs

• AU -518840 – MC N/A BENDIGO BANK LIMITED AUS
• CA -408586 – CREDIT CLASSIC The Toronto-Dominion Bank Canada
• IT -408089 – VISA DEBIT ISTITUTO CENTRALE DELLE BANCHE POPOLARI ITALIANE ITALY
• COL-543448 – MC CITIBANK COLOMBIA, S.A. COL
• CHL-546689 – MC LAC (PLATINUM) BANCO DE CHILE CHL