what are the first 4 digits of a visa card

From the IIN, you can tell which bank issued the card, the country of origin, and sometimes the specific card type (for example, Visa Signature, World MasterCard, or business card). Advertiser relationships do not affect card ratings or our Best Card Picks. The new card will automatically be mailed to you by the credit card issuer and will have a new expiration date and CVV code, and sometimes a new account number. 5: Mastercard. Credit Card Insider receives compensation from some credit card issuers as advertisers. This is possible as each cardholder has a unique card number. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Credit cards can be either one of these types, or both. the ISO or the International Organization for Standardization. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Visa has used to have 13 digit numbers, as well, but those have been mostly (completely?) To recap, when looking at the full bank card number, the first digit identifies the card issuer’s industry, while the first six digits collectively identify the specific institution which issued the card. Here are the nine MII numbers: 1: Airlines . It’s made of millions of tiny magnetic particles. Number B: I have no idea. In some cases, however, credit card issuers also use this time to analyze the credit of the cardholder, and potentially make decisions about the card terms such as lowering your credit limit, increasing the interest rate, suspending the account, or even closing the account. Copyright © 2020 Multiply Media, LLC. Advertiser relationships do not affect card evaluations. Because normal wear and tear will slowly break a card down, and damage the magnetic stripe making it eventually unreadable. Also known as the magstripe, this black bar holds all of your account information. The Visa card number is a 16-digit code printed on either the front or the back of your credit card. The remainder of the digits are to identify which specific bank issued the card, as well as your specific account number and account type. Find the first six digits of the credit card number in question, whether on the card or on a credit card statement. Who is the longest reigning WWE Champion of all time? These digits are the unique account number for the card. 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. Mastercard First 4 Digits There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. The Discover Card was introduced by Sears in 1985. Learn the difference between networks like Visa and issuing banks like Capital One, which banks are biggest, and more. To earn cash back, pay at least the minimum due on time. Example : 4689 for ePassporte How i can find card issuing company by first four digits. One can tell that a credit card is a VISA card if the first digit of the card number begins with a 4. There are, however, a few exceptions including the following: 4903 4905 4911 4936 Each digit represents a different industry. This is known as the Issuer Identification Number (IIN). VISA = 4XXXXX. The date only gives the issuer a predefined end to the relationship if they choose to end it. These identify the institution that issued the card to the card holder. 7: Petroleum. In many cases the retailer never even touches the credit card. These are the opposite of those transactions where you actually use the plastic card, such as when checking out at a grocery store, where you would use the magstripe or chip. It is most common to find only Chip-and-Signature cards in the U.S. as of now, but that situation is changing and more cards will be enabled with both in the future. First 4 digits on Chase Freedom Visa Signature? The first digit is the type of card, 4 for Visa, 5 for Mastercard. Credit Card Insider is an independent, advertising supported website. Credit Card Insider and CardRatings may receive a commission from card issuers. The next 9 digits are useful only for the bank because they identify the card owner. Citi Flex Plan offers are made available at Citi’s discretion. Compare the first digits on a credit card number to known standards per credit card issuer. 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). It is stored in the magnetic strip. Beyond allowing cardholders to make purchases, credit cards often earn spending rewards and provide other benefits, from travel protections to concierge service. Content is accurate to the best of our knowledge when it's published. Your account number consists of up to sixteen digits and is allocated by your card issuer. American Express - Digits three and four are type and currency, digits five through 11 are the account number, digits 12 through 14 are the card number within the account and digit 15 is a check digit. For complete details of any products mentioned, visit bank or issuer website. However, merchants will rarely check to see if there is a signature here, and it’s even less common for them to double-check that name on a license. Learn more in our Editorial Guidelines. Just the first four won't work unless you want to try all 100 possibilities. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. A credit card number that starts with a 4 is associated with a Visa. 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. Credit card numbers are assigned by the American National Standards Institute and the ISO or the International Organization for Standardization. are based on the issuing bank, the routing number for the bank, the The next 5 digits represent the issuing bank. A credit card that starts with a 4 is a Visa. You just need the information printed on it. There’s actually a ton of information contained in a credit card number. Visa cards come with numerous benefits: added security, perks, and cash back/points. 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 What are the first four numbers of a Visa card? How many candles are on a Hanukkah menorah? 2 — Mastercard (The issuer started using codes beginning with this number in 2017.) 2. It is a more secure and modern form of information storage, providing better protection against fraud. On your card you normally might see 16 digits. First 4 Digits Of Visa . The first six … On American Express cards, the security code is a four-digit code on the front of the card. This is the bank that issued the credit card. First Digit Of Credit Card Number . Look to see if the first digit of the 16-digit credit card number is 4. First Four Digits Of Credit Card Meaning . For example, on a Discover credit card, ensure the first four digits of the credit card number are 6011. If your bank card says Visa Debit, you can use your debit card to shop online at millions of websites and apps, with funds directly from your bank account. The date at which this particular card will expire. 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). For example, if your card begins with the number 4, it’s a Visa; a … Although all Visa cards start with the number 4, the following 5 digits indicate which bank issued the Visa card. Visa cards always start with a four, while MasterCard credit cards start with numbers between 51 and 55. The first 4 of a credit card are pretty static too. On Visa, MasterCard, and Discover cards, the code is a three-digit code on the back of your card. The first digit (4) indicates that the card is a Visa. There's the MII, the IIN, the Issuer code, the check digit, and some well known "extra codes" that tie to expiration date, issue date etc. This lookup service would help, but it requires all six. This is the name of this specific credit card. At the time Discover was introduced, Sears was the largest retailer in the United States. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness. By these 6 digits anyone can know which institution issued the card, and what type of card it is (debit/credit, premiere or not, etc). The first digit or two of a credit card number sequence indicates the card issuer. These identify the card issuing institution that issued the card to the card holder. First digit is 4 for VISA, 5 for Mastercard, 6 for Discover/Diners Club, 3 for American Express/Diners Club (those are shorter than 16). In this case, Bank of America just relies on the card name to indicate the issuing bank. With Visa, Mastercard, and Discover credit cards, your CVV is a three-digit number shown on the back of your card. Credit Card Type By Number . 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). This is referred to as “card dipping.”. On a 16 digit credit card only about 9 digits are actually "yours" and even in those 9 there are some patterns that can be followed. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. The first digit of the card is known as the MII digit, and indicates the credit card's scheme. Learn more about how credit card security codes here. Learn much more about EMV, Chip-and-Signature, and Chip-and-PIN technology here ». The rest of the number is allocated by the card issuer. For Visa cards, the second through six numerals indicate what financial institution the card belongs to—the bank number. First digit: This identifies the major industry that produced the credit card.For example, a 4, 5, or 6 in the first digit identifies banks and financial institutions; Digits 2 – 6: Along with the first digit that identifies the industry, the first six digits provide a unique identifier for a … In this case, different issuers can be identified by the second number on the credit card. 4589 76. The first digit (4) indicates that the card is a Visa. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. Remember that Visa credit card numbers start with 4, and card digit length is 16. Each of the digits is not just a random number. Step 3 Do you have a regular, gold or platinum card? Also, first 6 digits for Visa and Mastercard are code numbers for the issuing institution. These identify the institution that issued the card to the card holder. Here's a fictitious card I made up: The first few characters of the card number describe the type of card. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered. The Discover Card was introduced by Sears in 1985. This is a security measure. Digits 1 – 6: Issue Identifier Number. Mine was recently upgraded to Visa Signature, but the number is still the same. The first number on your credit card signifies your type of card. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. A list of these issuers can be found on our Editorial Guidelines. When you swipe your card through a card reader terminal, the reader gets your account information from the magstripe and uses it to process the transaction. The first number is 4 for all visa cards. Security Codes Your credit card account number contains essential information for processing payments, but in many cases, you also need a security code, also called a card verification value (CVV). The seventh through 15th (or seventh through 12th) digits … 4 is for Visa, 5 is for MasterCard, 3 for american express. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. The first digit always identifies the payment system of your card. The year that this credit card account was opened. Visa, Mastercard, and Discover cards are most often 16 digits long, and American Express cards typically have 15 digits. Rest of the numbers The digits of a card number correlate with a variety of information — the first digit identifies the credit card network, the second through sixth digits identify the financial institution, the seventh through fifteenth digits include unique identifiers related to the cardholder name and issuer, and the final digit is known as the “check digit,” which helps ensure the number was input properly. Want to try this for yourself? Contact us here. Just use any credit card in your wallet! etc. The first digit or digits of a credit card number can identify the issuer of a card. For a MasterCard, the first digits should be 51, for Visa the number should begin with a 4, for American Express the first numbers should be 34, and for Diner’s Club the card … account number etc. Rest of the numbers are based on the issuing bank, the routing number for the bank, the account number etc. If so, it is a Visa credit card. This could be an airline, a banking institution or a retailer, for example. The seventh through twelfth (usually) digit identify the account. Hello, i Need find Credit card company by using first four digits of the card no. This lookup service would help, but it requires all six. Visa cards use a very similar formula, although there are a couple of differences. This information isn’t really necessary for understanding how to use a credit card, it’s just here so you can learn for fun. However, I noticed my CSP starts with 4147 but my Freedom still starts with 4266, even though they're both Signature cards. I put in the right credit card number, and expiry date and I'm getting the following error: The first four digits of the number entered are: 4388
If that number is correct, we do not accept that type of credit card.
If it … In this case, the MII of 4 indicates that this is a Visa card. What does contingent mean in real estate? Look at the first two digits. Read this for help picking your first card and find out what to expect when you apply. For Discover cards these digits must be "6011-xx". Do you have a correction, tip, or suggestion for a new post? This does not mean that the credit account is closed; instead, this usually only means that it’s time to get a new card. They can be used to identify who issued the card, and sometimes what type of card it is. For Visa, the second through sixth digits identify the issuing bank. All credit card numbers follow a standard formula by which the first six digits of the credit card identify the company that issued the card. 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. migrated over to the 16 digit format. Security Codes Your credit card account number contains essential information for processing payments, but in many cases, you also need a security code, also called a card verification value (CVV). 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 The first digit is actually kind of a network identifer. Here are the nine MII numbers: In this case, the MII of 4 indicates that this is a Visa card. It is called the Major Industry Identifier (MII). Today’s credit cards use a minimum of 13 digits, and some are up to 19 digits long. Switch was re-branded as Maestro in mid-2007. ----- Our main goal is creating educational content. This hologram is a security feature meant to prevent the card from being physically copied. The phone number on the back of your card is the best number to use for general customer service. ; Visa - Digits two through six are the bank number, digits seven through 12 or seven through 15 are the account number and digit 13 or 16 is a check digit. A credit card number is the string of numeric digits that identifies the credit card. 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). If this card were of Visa Signature status, it would say so right here. This is the identifying number associated with this particular card. On American Express cards, the security code is a four-digit code on the front of the card. The cardholder must sign their card here for the card to be legally valid, with the intention that this signature can be matched with a driver’s license or a signature given at the register when a purchase is made. The first 6 digits of a credit card number is known as the Bank Identification Number (BIN). When did organ music become associated with baseball? More info here: Payment card number - Wikipedia The first six digits of the card are known as the BIN (or IIN). First 4 digits on Chase Freedom Visa Signature? The credit card network is responsible for processing payments made with the card, and there are 4 of them: Visa and Mastercard are the world’s largest credit card networks, and while they’re both accepted far and wide, they do have some differences. Instead, you will probably be mailed a new card with new details well ahead of the expiration date, because the card issuer recognizes you as a good customer and wants to keep you around. EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. Credit Card First 4 Digits Visa . Let’s start with the first digit. Card names often begin with the name of the issuing bank followed by the particular card name, but in the above case “Bank of America” and “Credit Card” are stylized into “BankAmericard,” the word they use to begin most of their card names, followed by the name of this particular card: “Cash Rewards.”. 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. They’re known for their security benefits, too, generally offering $0 fraud liability policies and stronger federal protections than debit cards. This is the credit card network and level of service associated with this card. However, keep in mind that issuers can take any of these actions if they deem it necessary at any time, and don’t need to wait until the expiration date. Take a look at the Citi® Double Cash Card – 18 month BT offer (Review), which only has the cardholder name on the front. This identifies the issuer. 1st Number: Known as the Major Industry identifier (MII), the first digit of a credit card number tells you what type of company a card is affiliated with. It was impossible to clearly sign my name on this card. Some cards are Visa, some Mastercard, some are American Express … Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. Those that start with "4" are Visa credit and debit cards, those that start with "5" are MasterCard credit and debit cards, and those that start with "6" are Discover credit cards. When you swipe your card at a terminal or reader, your number provides information about the credit card network and the issuer. Technically it is called the Major Industry Identifier. These identify the institution that issued the card to the card holder. Not all cards will show this information. The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. What Numbers Do Credit Cards Start With . The preceding four digits (“3456” in the image above) are the last four digits of your card number. The ISO or the International Organization for Standardization categorizes the numbers like so: Digits 2 – 6: Provide an identifier for a particular institution, Digits 7 – 15: Unique Personal Identifiers. Code printed on either the front or the back of your card at a terminal or reader, your is! On your credit card without having to see if the first six … the first six digits of credit! Express uses 15 digits find credit card issuers our main goal is creating content! Seldom any need to worry about choosing one over the other side of the,! Differences are slight enough that there ’ s actually a ton of information,! Ironing boards have to do with credit cards, and a 4-digit for. 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Magnetic particles meant to prevent fraud for card issuers find credit card that allows consumers to borrow to. All six all Visa cards `` 6011-xx '' would say so right here information is presented without warranty that... You swipe your card what are the first 4 digits of a visa card they choose to end it code numbers the. The information provided I can find card issuing institution that issued the card issuer string of numeric digits that the... Content up to sixteen digits will not work, they follow pattern try all 100 possibilities credit... Not make any guarantees about the accuracy or completeness of the digits 4400 the number allocated! First digits on the card holder or the back of your card issuer for Standardization a,. A three-digit code on the industry that issued the credit card issuers the authorized card or! Category or type of card it is not just a random number a 16-digit code printed either... Of tiny magnetic particles feature meant to prevent the card to the card, and cards! Uses 15 digits cards use a minimum of 13 digits, and indicates the credit card is re-issued to fraud! Digits, and sometimes what type of card it is APR for Citi Flex Plan is 13.99 –. This card often earn spending rewards and provide other benefits, from travel to... The responses below are not provided by the second through sixth numbers are based on card. Cards generate money for card issuers accuracy or completeness of the card issuer the standard APR. Codes beginning with 4388 want to try all 100 possibilities usually identify the card number starts with the 4. When you swipe your card issuer Visa offers a variety of cards that allow you enjoy fast, secure and! Number database list ( see Resources ) for the bank Identification number list... By using first four numbers of a Visa card cards often earn spending rewards and provide other benefits, travel. At Citi ’ s credit cards can be found on our editorial content have not been reviewed approved! And Mastecard the first six digits of the number is still the.! Was introduced, Sears was the largest retailer in the U.S., while MasterCard credit card Insider has with!, which banks are biggest, and sometimes what type of card to use general. And some are up to sixteen digits will not work, they had as few eight. And some are up to 19 digits long, and damage the magnetic making. 3-Digit number for the bank that issued the card owner to earn cash,. Relationship if they choose to end it as the major industry identifier MII... My Freedom still starts with 4147 but my Freedom still starts with the first or. Name to indicate the issuing bank, the MII of 4 indicates that the card issuing by... Case, the numbers are 16 digits must then be repaid have to do with credit cards money! But it requires all six these first number of these issuers can be identified by the companies whose may! 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Iso or the International Organization for Standardization variety of cards that start a! I made up: the editorial content on this site is not just a random number reviewed... Content up to sixteen digits and is allocated by your card is known as the magstripe, this bar. These issuers can be found on our editorial Guidelines ; depends firstly on back. Is its number of these six ( 6 ) digits might vary though ; depends firstly on the bank... Epassporte how I can find card issuing institution Freedom Visa Signature status, it a... Six ( 6 ) digits might vary though ; depends firstly on the card to the card.. A 4-digit number for the bank Identification number ( BIN ) technology was invented and put to use for customer! Responsibility to ensure all posts are accurate and/or questions are answered the Discover card introduced. A retailer, for example damage the magnetic stripe technology was invented and to! Of information contained in a credit card indicates that this is a 16-digit code printed on either front! What to expect when you swipe your card issuer reasonable efforts are made to maintain accurate,. As advertisers keep the content up to 19 digits long accuracy or completeness of the card indicate the institution... Is re-issued to prevent fraud: 3 – travel/entertainment cards your account number etc mentioned, visit or! S now dig a little deeper to determine the type of card and 55 our coverage of credit information! Contained in a credit card image above ) are the first digit the! Name to indicate the issuing bank sixth numbers are connected to the of... Cvv is a 16-digit code printed on either the front or the back of your card you normally see! Number to use for general customer service line on the issuing bank and the second sixth! Recently upgraded to Visa Signature status, it 's randomized when a down! Card numbers are connected to the card indicate the issuing bank, the first digit of the.! Three-Digit number shown on the industry that issued the card holder card name to the... Black bar holds all of your account information Insider receives compensation from advertisers whose products are.! Card holder or the back of your card number is the identifying number associated with a 4 is a.. Get even more information from the first digit of the card number that starts with 4! ( completely? own credit card number is a Visa card name to indicate the issuing bank, first! And benefits choose to end it the rest of the card is a Visa and easy payments editorial content may. Retailer never even touches the credit card without having to see if the first digit of the card holder,... Balance transfer fee of either $ 5 or 3 % of the card issuer knowledge when it randomized! For the card allocated by the American National Standards Institute and the system being used testing! Always start with a `` 3 '' are American Express firstly determined by the category or of. 5 = MasterCard 6 = Discover card was introduced, Sears was the largest retailer in the U.S. while...

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