Mastercard and Visa credit cards issued by banks in Australia, including those from ANZ, CommBank, NAB, and Westpac, are 16 digits long. Credit cards issued by American Express are 15 digits long.
Credit card numbers explained
What does the long credit card number contain?
The long credit card number comprises several components.
- Bank Identification Number (BIN). Also known as the Individual Issuer Number (IIN), this number is used to identify the card issuer.
- Individual account number. Also known as the Personal Account Number (PAN), this number is used to identify the account number.
- Check code. Used by the Luhn algorithm to verify the validity of a credit card number.
How long are American Express credit cards?
American Express credit card numbers explained
- Number of digits: 15
- First number: 3
- BIN location: Digits 1-6
- Account number location: Digits 7-14
- Check code: 15th digit
How long are Mastercard credit cards?
Mastercard credit card numbers explained
- Number of digits: 16
- First number: 2, 5
- BIN location: Digits 1-6
- Account number location: Digits 7-15
- Check code: 16th digit
How long are Visa credit cards?
Visa credit card numbers explained
- Number of digits: 15
- First number: 4
- BIN location: Digits 1-6
- Account number location: Digits 7-15
- Check code: 16th digit
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FAQs
What does the long credit card number contain?
The long credit card number comprises several components.
- Bank Identification Number (BIN). Also known as the Individual Issuer Number (IIN), this number is used to identify the card issuer.
- Individual account number. Also known as the Personal Account Number (PAN), this number is used to identify the account number.
- Check code. Used by the Luhn algorithm to verify the validity of a credit card number.
What is the credit card BIN?
The BIN (Bank Identification Number) is the first six digits of the credit card number. It identifies the credit card issuer.
The BIN can range from four to six digits. The first digit is the major industry identifier (MII), for example, airline, banking and financial, etc. There are 9 major industries.
What is the credit card check code?
The check code is the final digit of the credit card number. It is used to validate the credit card number using the Luhn or modulus 10 algorithm.
