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Búsqueda de códigos BIN
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Más de 600 opiniones¿Qué es un BIN?
A BIN (Bank Identification Number) is the first 6 to 8 digits of a credit or debit card number. It tells you which bank issued the card, which network it runs on, the card type, and the issuing country. It reveals nothing about the cardholder.
BIN is the name banks and merchants use. The ISO/IEC 7812 standard calls the same digits the Issuer Identification Number (IIN), so a BIN lookup and an IIN lookup return the same data. Merchants and payment processors use BINs to detect potential fraud, comply with regulatory requirements, and route payments accurately.
For a deeper look at routing and authorization, read our guide to bank identification numbers in payment processing.
Cómo funciona el número de cuenta principal
A Primary Account Number (PAN) is usually 16 digits long (15 for American Express) and has three parts:
- El número de identificación bancaria (BIN): identifica al banco o a la entidad emisora.
- El identificador de cuenta: vincula la tarjeta a tu cuenta.
- El dígito de control: valida el PAN mediante el algoritmo de Luhn.
Because the BIN sits at the start of the PAN, the first digits often reveal the card network. Use this table to identify a card type by its number.
¿Qué se puede aprender del BIN?
Nuestra herramienta de búsqueda de BIN ofrece información como:
- Banco o entidad emisora: Indique la entidad financiera responsable de la emisión de la tarjeta para garantizar el correcto procesamiento de la transacción.
- Card Network: Determine if the card belongs to Visa, Mastercard, American Express, or another network to apply the correct processing rules.
- Tipo de tarjeta: Averigua si se trata de una tarjeta de crédito, débito, prepago o de cargo para gestionar las transacciones adecuadamente.
- Tipo de tarjeta: comprueba si la tarjeta es estándar, oro, platino o corporativa, lo que puede indicar los límites de gasto o las ventajas.
- Geographic Location: Find the card’s issuing country or region, which helps in detecting unusual activity or fraud.
- Cumplimiento normativo: Garantizar que las transacciones transfronterizas se ajusten a la normativa financiera local.
- Debit or Credit Routing: Debit and credit cards carry different interchange costs. Knowing which one you have helps you route it correctly, including over PINless debit networks.
How to Use the BIN Lookup Tool
- Enter the first 6 digits of the card number in the BIN field at the top of this page.
- Click Go to run the lookup. Never enter a full card number, CVV, or expiry date. The tool only needs the BIN.
- Read the result: issuer, brand, country, card type, and card category.
- Compare the issuing country with the customer's billing address, shipping address, and IP location before you ship.
Ejemplo de resultado de una búsqueda de BIN
A continuación se muestra el resultado que devuelve una consulta real para un BIN de ejemplo. Se trata de un ejemplo genérico, no vinculado a ningún titular de tarjeta ni a ninguna transacción reales.
How Merchants Use BIN Data to Stop Fraud and Chargebacks
A BIN check is one of the cheapest fraud checks you can run. It takes a second and flags orders where the card does not fit the customer's story. US-issued cards were tied to 41.87% of global card fraud losses in 2024, while making up 26.31% of card volume, according to the Nilson Report.
BIN checks help after a dispute too. If a cardholder claims fraud, showing that the issuing country matched the billing and shipping address strengthens your evidence. Pair BIN screening with chargeback alerts so you can refund a flagged order before it becomes a chargeback.
A BIN check cannot catch friendly fraud, where the real cardholder disputes a purchase they made. Fraud that gets through also counts under the Visa Acquirer Monitoring Program (VAMP). VAMP flags merchants whose combined fraud and dispute ratio reaches 1.5% in most regions. Check where you stand with the free VAMP calculator.
6-Digit vs 8-Digit BINs
ISO updated its card numbering standard, ISO/IEC 7812-1:2017, to lengthen the issuer identification number from 6 to 8 digits. Visa and Mastercard set April 2022 as the date for issuers, acquirers, and processors to support 8-digit BINs. Card numbers stay the same length, so a longer BIN leaves fewer digits for the account number.
If a 6-digit lookup returns an issuer that does not match the card, confirm it with the full 8-digit BIN through your payment processor.
BIN Rules for Compliance: PSD2, PCI DSS, and Gambling
Some payment rules depend on what the BIN tells you about the card. Three come up most often for online merchants.
What a BIN Lookup Cannot Tell You
- Who the cardholder is: a BIN identifies the issuer, never the person.
- Whether the card is active or has funds: only an authorization request can confirm that.
- The card behind a digital wallet: Apple Pay and Google Pay use token numbers with their own ranges. A lookup may describe the token, not the physical card.
- Recent changes: banks merge and reassign BIN ranges, so any BIN database can lag behind.
Preguntas frecuentes
¿Es seguro utilizar un buscador de códigos BIN?
Sí. Una consulta del BIN solo revela el banco emisor, la red de la tarjeta, el tipo de tarjeta y el país asociado a los primeros 6 u 8 dígitos de una tarjeta. Nunca revela el número completo de la tarjeta, el nombre del titular ni ningún otro dato personal o de la cuenta.
¿Puede una consulta del BIN mostrar el nombre del titular de la tarjeta o el número completo de la tarjeta?
No. El BIN solo identifica a la entidad emisora y a la red, no a la cuenta concreta. Los comercios utilizan estos datos para detectar posibles fraudes y verificar el origen de una tarjeta, no para localizar a una persona concreta.
¿Cuál es la diferencia entre una búsqueda de BIN y un generador de BIN o de números de tarjeta?
Una consulta de BIN comprueba datos reales de BIN ya emitidos para identificar el banco emisor y la red. No genera números de tarjeta nuevos ni válidos. La herramienta de Chargeflow sirve únicamente para realizar consultas y está diseñada para que los comerciantes verifiquen transacciones legítimas; no es un generador de números.
¿Cuántos dígitos tiene un BIN?
Most BINs are 6 digits, though newer card formats use 8 digits as part of a 16 to 19 digit Primary Account Number. Visa and Mastercard have issued 8-digit BINs since April 2022.
¿Cómo utilizan los comerciantes los datos del BIN para prevención Contracargos ?
Los comerciantes cotejan el país y el emisor del BIN con los datos de facturación y envío del cliente. Una discrepancia —como una tarjeta emitida en EE. UU. con envío a otro país y sin historial de pedidos previo— es una señal temprana habitual de fraude, que se utiliza junto con el seguimiento de los códigos de motivo de las devoluciones y una automatización más amplia de las devoluciones para detectar el fraude antes de que se convierta en una reclamación.
Is a BIN the same as an IIN?
Yes. BIN (Bank Identification Number) and IIN (Issuer Identification Number) are two names for the same first 6 to 8 digits of a card number. IIN is the formal term in the ISO/IEC 7812 standard. BIN is the name most banks, processors, and merchants use.
Can I find the issuing bank from a credit card number?
Yes. Enter the first 6 digits of the credit card number into a BIN lookup tool. It returns the issuing bank, card network, card type, and country. You never need the full card number, and you should never paste one into an online tool.
What is a BIN list or BIN database?
A BIN list, or BIN database, is a table that maps BIN ranges to issuing banks, card networks, card types, and countries. A BIN lookup tool queries a BIN database. Because banks reassign and merge ranges, a BIN database needs regular updates to stay accurate.
How can I tell the card type from the card number?
Look at the first digits. Card numbers starting with 4 are Visa, and 51 to 55 or 2221 to 2720 are Mastercard. Numbers starting with 34 or 37 are American Express, and 6011 or 65 are usually Discover. A BIN lookup confirms the network plus the card type, such as credit, debit, or prepaid.
Contracargos?
Ya no es problema tuyo.
Recover 4x more chargebacks and prevent up to 90% of incoming ones, powered by AI and a global network of 20,000+ merchants.