Non-VBV Card BINs and Banks List 2026 (LIVE)

Published: August 9, 2026 | Status: LIVE & Verified | Last Updated: August 2026

⚡ LIVE Status Indicator

StatusMeaningAction
🟢 ACTIVEWorking now, high successUse immediately
🟡 TESTINGMixed results, verify firstTest with small amount
🟠 LIMITEDRestricted use, specific conditionsCheck notes carefully
🔴 BURNEDNot working, avoidDo not use

🇺🇸 United States - Major Banks

JPMorgan Chase Bank

Status: 🟢 ACTIVE | Overall Success Rate: 85-92%

BINCard TypeLevelStatusBest UseSuccess
414720VisaDebit Traditional🟢Universal92%
434769VisaDebit Classic🟢Digital wallets90%
426684VisaCredit🟢High-value88%
421760VisaVarious🟡Testing82%
414746VisaClassic🟢General87%
414747VisaClassic🟢General87%
414748VisaClassic🟢General86%
414749VisaClassic🟢General86%
414750VisaClassic🟢General85%
414751VisaClassic🟢General85%
414752VisaClassic🟡Testing80%
414753VisaClassic🟡Testing80%
426690VisaCredit🟢Business84%
426691VisaCredit🟢Business84%
426692VisaCredit🟢Business83%
426693VisaCredit🟢Business83%
4305xxVisaVarious🟡Limited75%
4400xxVisaVarious🟡Limited75%
4510xxVisaVarious🟡Limited72%

Chase-Specific Notes:

  • Requires city-level IP match for best results
  • Chrome profile with 2+ weeks activity preferred
  • Sensitive to device history
  • Best for subscriptions and recurring billing
  • Avoid multiple rapid transactions

Bank of America

Status: 🟢 ACTIVE | Overall Success Rate: 80-88%

BINCard TypeLevelStatusBest UseSuccess
403993VisaCredit🟢Subscriptions88%
486236VisaPlatinum🟢Premium85%
486238VisaPlatinum🟢Premium85%
486239VisaPlatinum🟢Business84%
486240VisaPlatinum🟢Corporate84%
403461VisaDebit🟢Regional82%
403497VisaBusiness🟢Corporate80%
404227VisaDebit🟢Local80%
463520VisaPlatinum🟢Personal78%
463521VisaPlatinum🟢Personal78%
463522VisaPlatinum🟢Personal77%
463523VisaPlatinum🟢Personal77%
463524VisaPlatinum🟢Personal76%
463525VisaPlatinum🟢Personal76%
463526VisaPlatinum🟢Personal75%
463527VisaPlatinum🟢Personal75%
463528VisaPlatinum🟢Personal74%
463529VisaPlatinum🟢Personal74%

BofA-Specific Notes:

  • Ideal for subscription services
  • Predictable transaction velocity
  • Lower fraud detection
  • Good for testing new methods
  • Works well with AVS matching

Wells Fargo

Status: 🟢 ACTIVE | Overall Success Rate: 78-85%

BINCard TypeLevelStatusBest UseSuccess
541003MastercardCredit🟢Apple Pay88%
438567VisaDebit🟢General85%
517800MastercardBusiness🟢Corporate82%
478123VisaPlatinum🟢Personal80%
490172VisaPlatinum🟢Rewards78%
490173VisaPlatinum🟢Cash back78%
490174VisaPlatinum🟢Travel77%
490175VisaPlatinum🟢Business77%
490176VisaPlatinum🟢Personal76%
490177VisaPlatinum🟢Personal76%
490178VisaPlatinum🟢Personal75%
490179VisaPlatinum🟢Personal75%
490180VisaPlatinum🟢Personal74%
490181VisaPlatinum🟢Personal74%
490182VisaPlatinum🟢Personal73%
490183VisaPlatinum🟢Personal73%
490184VisaPlatinum🟢Personal72%
490185VisaPlatinum🟢Personal72%

Wells Fargo-Specific Notes:

  • Robust for regional retail chains
  • 64% base success rate (lower than Chase)
  • Better with city-matched IP
  • Good for medium-value transactions
  • Avoid high-velocity attempts

Capital One

Status: 🟢 ACTIVE | Overall Success Rate: 75-85%

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BINCard TypeLevelStatusBest UseSuccess
486236VisaPlatinum🟢Credit85%
486238VisaPlatinum🟢Premium84%
529149MastercardCredit🟢High volume82%
540411MastercardBusiness🟢Corporate80%
545534MastercardCredit🟢Regional78%
480213VisaBusiness🟢Corporate78%
480260VisaBusiness🟢FIA Services77%
514616MastercardDebit🟢Pulse EFT75%
480214VisaBusiness🟢Corporate75%
480215VisaBusiness🟢Corporate74%
480216VisaBusiness🟢Corporate74%
480217VisaBusiness🟢Corporate73%
480218VisaBusiness🟢Corporate73%
480219VisaBusiness🟢Corporate72%
480220VisaBusiness🟢Corporate72%
480221VisaBusiness🟢Corporate71%
480222VisaBusiness🟢Corporate71%
480223VisaBusiness🟢Corporate70%

Capital One-Specific Notes:

  • Business products have looser security
  • Less likely to be MSC-enrolled
  • Good for corporate transactions
  • Test before bulk use
  • Monitor for rapid security updates

Citibank

Status: 🟢 ACTIVE | Overall Success Rate: 75-82%

BINCard TypeLevelStatusBest UseSuccess
473702VisaCredit🟢High-value82%
446325VisaGold🟢Premium80%
427533VisaPurchasing🟢Corporate78%
421323VisaDebit🟡ICICI partner75%
448407MastercardClassic🟢US operations78%
453997VisaVarious🟢NatWest partner77%
446326VisaGold🟢Premium79%
446327VisaGold🟢Premium79%
446328VisaGold🟢Premium78%
446329VisaGold🟢Premium78%
446330VisaGold🟢Premium77%
446331VisaGold🟢Premium77%
446332VisaGold🟢Premium76%
446333VisaGold🟢Premium76%
446334VisaGold🟢Premium75%
446335VisaGold🟢Premium75%
446336VisaGold🟢Premium74%
446337VisaGold🟢Premium74%

Citibank-Specific Notes:

  • Premium BINs for high-value transactions
  • Good for luxury goods
  • Higher approval limits
  • Requires clean setup
  • Monitor for South Dakota vs. Nevada issuers

🇺🇸 United States - Regional Banks

Credit Unions & Regional

Status: 🟢 ACTIVE | Overall Success Rate: 70-80%

BINBankTypeStateStatusSuccess
465007Amegy BankVisa InfiniteTX🟢80%
447664MBNA AmericaVisa InfiniteDE🟢78%
465614First Federal SavingsVisa DebitKY🟢78%
468018Zions First NationalVisa DebitUT🟢77%
446053U.S. Bank N.A.Visa DebitOH🟢76%
455330Highland BankVisa BusinessMN🟢75%
470712TIB BankVisa BusinessTX🟢74%
471562UMB BankVisa PurchasingMO🟢73%
434018Sikorsky FinancialVisa PlatinumCT🟢75%
449881Alliance FCUVisaVarious🟢74%
465569American Founders BankVisa DebitVarious🟢73%
469569American Founders BankVisa BusinessVarious🟢72%
497295American Federal BankVisa BusinessVarious🟢71%
441554Northern Credit UnionVisaVarious🟢70%
481295Northern Credit UnionVisa BusinessVarious🟢70%
477500Ameristate BankVisa BusinessVarious🟢69%
468019Zions First NationalVisa DebitUT🟡68%
468020Zions First NationalVisa DebitUT🟡68%
468021Zions First NationalVisa DebitUT🟡67%
468022Zions First NationalVisa DebitUT🟡67%

Regional Bank Notes:

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  • Lower fraud detection
  • Regional banks less monitored
  • Credit unions often skip 3DS
  • Good for local transactions
  • Test each BIN individually

🇨🇦 Canada

Status: 🟢 ACTIVE | Overall Success Rate: 75-85%

BINBankTypeStatusBest UseSuccess
4510xxVariousVisa🟢Cross-border85%
4520xxVariousMastercard🟢International82%
5444xxTD BankMastercard🟢National80%
5522xxRBCVisa🟢Business78%
547872TD BankMastercard🟢RDP method77%
552216RBCMastercard🟢Corporate75%
5191xxScotiabankMastercard🟢Personal76%
5192xxScotiabankMastercard🟢Business75%
5193xxScotiabankMastercard🟡Testing73%
451001VariousVisa🟢General84%
451002VariousVisa🟢General84%
451003VariousVisa🟢General83%
451004VariousVisa🟢General83%
451005VariousVisa🟢General82%
451006VariousVisa🟢General82%
451007VariousVisa🟢General81%
451008VariousVisa🟢General81%
451009VariousVisa🟢General80%

Canada-Specific Notes:

  • Non-VBV friendly
  • AVS optional
  • Good for US sites
  • Test with Canadian shipping
  • Monitor for cross-border fees

🇬🇧 United Kingdom

Status: 🟢 ACTIVE | Overall Success Rate: 75-82%

BINBankTypeStatusBest UseSuccess
453997NatWestVisa🟢NFC + Apple82%
448407LloydsMastercard🟢OTP bypass80%
4658xxVariousVisa🟢General78%
4751xxVariousVisa🟢Business76%
4543xxBarclaysVisa🟢Personal77%
4544xxBarclaysVisa🟢Business76%
4921xxHSBCVisa🟢International75%
4922xxHSBCVisa🟢Corporate74%
4923xxHSBCVisa🟡Testing72%
465801VariousVisa🟢General79%
465802VariousVisa🟢General79%
465803VariousVisa🟢General78%
465804VariousVisa🟢General78%
465805VariousVisa🟢General77%
465806VariousVisa🟢General77%
465807VariousVisa🟢General76%
465808VariousVisa🟢General76%
465809VariousVisa🟢General75%

UK-Specific Notes:

  • Strong for EU sites
  • Contactless enabled
  • Good for international
  • Monitor for Brexit-related changes
  • Test AVS carefully

🇦🇺 Australia

Status: 🟢 ACTIVE | Overall Success Rate: 78-85%

BINBankTypeStatusBest UseSuccess
537220WestpacMastercard🟢Non-VBV confirmed85%
515735ANZMastercard🟢Apple Pay82%
4628xxVariousMastercard🟢International80%
4931xxCommonwealthVisa🟢National78%
4932xxCommonwealthVisa🟢Business77%
4933xxCommonwealthVisa🟡Testing75%
537221WestpacMastercard🟢Personal84%
537222WestpacMastercard🟢Business83%
537223WestpacMastercard🟢Corporate82%
537224WestpacMastercard🟢Personal81%
515736ANZMastercard🟢Personal81%
515737ANZMastercard🟢Business80%
515738ANZMastercard🟢Corporate79%
515739ANZMastercard🟢Personal78%

Australia-Specific Notes:

  • Strong verification bypass
  • Good for APAC region
  • Contactless preferred
  • Test with AU shipping
  • Monitor for timezone matching

🇩🇪 Germany & 🇪🇺 EU

Status: 🟡 TESTING | Overall Success Rate: 65-75%

BINBankTypeStatusBest UseSuccess
4912xxVariousVisa🟡EU sites75%
4913xxVariousVisa🟡International73%
4914xxVariousVisa🟡Testing70%
4915xxVariousVisa🟡Limited68%
4916xxVariousVisa🟡Limited65%

EU-Specific Notes:

  • PSD2 regulations affect success
  • Strong customer authentication
  • Limited non-VBV availability
  • Test carefully before use
  • Focus on SEPA region

🇦🇪 UAE & Middle East

Status: 🟢 ACTIVE | Overall Success Rate: 70-78%

BINBankTypeStatusBest UseSuccess
4240xxVariousVisa🟢Business78%
4241xxVariousVisa🟢Corporate76%
4242xxVariousVisa🟢Premium74%
4243xxVariousVisa🟡Testing72%
4244xxVariousVisa🟡Limited70%

UAE-Specific Notes:

  • Business cards preferred
  • High limits common
  • Good for luxury goods
  • Monitor for oil economy effects
  • Test shipping restrictions

Prepaid & Gift Card BINs

Greendot (Cash App Friendly)

Status: 🟢 ACTIVE | Success Rate: 85-90%

BINTypeStatusBest PlatformSuccess
4246xxVisa Prepaid🟢Cash App90%
4890xxVisa Prepaid🟢PayPal88%
424601Visa Prepaid🟢Cash App91%
424602Visa Prepaid🟢Cash App91%
424603Visa Prepaid🟢Cash App90%
424604Visa Prepaid🟢Cash App90%
424605Visa Prepaid🟢Cash App89%
424606Visa Prepaid🟢Cash App89%
424607Visa Prepaid🟢Cash App88%
424608Visa Prepaid🟢Cash App88%

Netspend

Status: 🟢 ACTIVE | Success Rate: 75-80%

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BINTypeStatusBest PlatformSuccess
4852xxVisa Prepaid🟢PayPal80%
485201Visa Prepaid🟢PayPal81%
485202Visa Prepaid🟢PayPal81%
485203Visa Prepaid🟢PayPal80%
485204Visa Prepaid🟢PayPal80%
485205Visa Prepaid🟢PayPal79%
485206Visa Prepaid🟢PayPal79%
485207Visa Prepaid🟢PayPal78%
485208Visa Prepaid🟢PayPal78%
485209Visa Prepaid🟢PayPal77%

Chime

Status: 🟢 ACTIVE | Success Rate: 82-88%

BINTypeStatusBest PlatformSuccess
4833xxVisa Debit🟢Cash App88%
483301Visa Debit🟢Cash App89%
483302Visa Debit🟢Cash App89%
483303Visa Debit🟢Cash App88%
483304Visa Debit🟢Cash App88%
483305Visa Debit🟢Cash App87%
483306Visa Debit🟢Cash App87%
483307Visa Debit🟢Cash App86%
483308Visa Debit🟢Cash App86%
483309Visa Debit🟢Cash App85%

Platform-Specific Recommendations

Best BINs by Platform

PlatformTop 3 BINsSuccess Rate
Cash App4246xx, 4833xx, 41472085-90%
PayPal414720, 434769, 54100380-88%
Apple Pay541003, 414720, 47370278-85%
Amazon414720, 434769, 47370260-70%
Western Union414720, 473702, 40399375-85%
Crypto Exchanges414720, 541003, 47370270-80%

Best BINs by Transaction Type

TypeRecommended BINsSuccess Rate
Subscriptions403993, 414720, 48623690-95%
Digital Goods414720, 434769, 4246xx85-90%
Physical Goods473702, 446325, 46500775-85%
High-Value473702, 465007, 44766470-80%
Gift Cards4246xx, 4833xx, 4852xx85-90%

BIN Testing Protocol

Before Using Any BIN

Step 1: Verification□ Check BIN is less than 30 days old

□ Verify not on public burned lists

□ Confirm bank still issuing

Step 2: Small Test

□ Test with $1-5 transaction

□ Verify no 3DS triggered

□ Confirm AVS response

Step 3: Medium Test

□ Test with $50-100 transaction

□ Monitor for verification requests

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□ Check approval speed

Step 4: Full Test

□ Test with target amount

□ Document success/failure

□ Note any special requirements

Success Rate Factors

FactorWeightOptimization
IP Location40%Match BIN region exactly
Device Fingerprint25%Use aged profile
Transaction Amount20%Start low, increase gradually
Time of Day10%Match timezone
Site Category5%Match BIN to site

Quick Reference: Top 25 BINs

RankBINBankTypeRegionRate
1414720ChaseVisa DebitUSA92%
24246xxGreendotPrepaidUSA90%
34833xxChimeDebitUSA88%
4434769ChaseVisa DebitUSA88%
5541003Wells FargoMastercardUSA88%
6403993Bank of AmericaVisaUSA88%
7486236Capital OneVisa PlatinumUSA85%
8473702CitibankVisa CreditUSA82%
9537220WestpacMastercardAustralia85%
10453997NatWestVisaUK82%
11448407LloydsMastercardUK80%
124510xxVariousVisaCanada85%
13446325CitibankVisa GoldUSA80%
14465007Amegy BankVisa InfiniteUSA80%
15515735ANZMastercardAustralia82%
164852xxNetspendPrepaidUSA80%
17438567Wells FargoVisa DebitUSA85%
18547872TD BankMastercardCanada77%
19552216RBCMastercardCanada75%
20465614First FederalVisa DebitUSA78%
21447664MBNA AmericaVisa InfiniteUSA78%
22468018Zions First NationalVisa DebitUSA77%
23446053U.S. BankVisa DebitUSA76%
24455330Highland BankVisa BusinessUSA75%
25470712TIB BankVisa BusinessUSA74%

Final Notes

BIN Rotation Strategy

Primary BIN: Use for 2 transactions, rest 24 hoursSecondary BIN: Use for 1-2 transactions, rest 48 hours

Tertiary BIN: Use for high-value, rest 72 hours

Backup BINs: Always have 3-5 alternatives ready

Burn Prevention

Signs a BIN is burned:

  • Sudden increase in declines
  • 3DS triggered when previously skipped
  • AVS mismatches on correct address
  • Velocity limits activated

Response: Stop using immediately, wait 7-14 days, test small amount, retire if still burned

Tags: #NonVBV #BINs #BINList #LIVE #2026 #BankIdentificationNumbers #Carding #USA #International