FakecreditcardAbout BIN 401686
BIN 401686 is listed as a Visa Traditional credit card issued by Commerce Bancshares, Inc. in the United States. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards. Traditional marks an entry-level consumer product.
Commerce Bancshares, Inc. has 52 BINs in the dataset, which makes it 122nd of 775 banks with a BIN page in the United States. The Commerce Bancshares, Inc. BIN list shows all of them with network, type and level.
The United States has 156,869 BINs in the dataset; among the 73,133 that name an issuer, the main networks are Visa (50%), Mastercard (22%), Discover (17%), and 46% are debit. See the United States BIN list or the United States card generator.
Visa number format for BIN 401686
| Starts with | 401686 (the BIN). First digit 4: banking and financial |
|---|---|
| Length | 16 digits (13 and 19 also allowed) |
| Security code | 3-digit CVV2 on the back |
| Check digit | The last digit, calculated with the Luhn algorithm |
| Printed as | 4016 8669 8057 9021 |
A checkout that receives a number starting with 401686 should detect Visa, expect 16 digits and ask for a 3-digit security code. The generator creates as many numbers with this BIN as you need, with expiry dates and CVVs, as CSV, JSON or XML.
Nearby BINs
The BINs closest to 401686 in our data. Neighbouring ranges often belong to the same bank, but not always — each range is assigned separately.
More BINs from Commerce Bancshares, Inc.
All 52 BINs of Commerce Bancshares, Inc. →
Frequently asked questions
Which bank issued BIN 401686?
BIN 401686 is registered to Commerce Bancshares, Inc. in the United States. The dataset lists the website www.commercebank.com. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 401686 a debit or a credit card BIN?
It is recorded as credit, product level Traditional. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards.
How many digits does a card with BIN 401686 have?
Visa card numbers have 16 digits (13 and 19 also allowed), and the security code is a 3-digit CVV2 on the back. The first six digits are the BIN, the last digit is the Luhn check digit, and the digits in between identify the account.
Can I generate test card numbers with BIN 401686?
Yes. Open the generator with this BIN to create Luhn-valid numbers with expiry dates and CVVs for testing forms, validation and BIN-based rules. They are test data: not issued by Commerce Bancshares, Inc., linked to no account and declined by real payment systems.
Does a BIN tell me whether a card is valid?
No. A BIN describes a range of card numbers — network, issuer, country and product — not a particular card. Whether a card exists or can be charged is known only to the issuing bank. To check the format of a full number (length and check digit), use the card validator.
A BIN identifies the card network and the issuing institution only. It reveals nothing about an individual card, cardholder or account, and it cannot show whether a card exists or can be charged. Test numbers generated from a BIN are for development and QA only and are declined by every real payment system.
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BIN data: bin-list-data by Venelin Kochev (a lite version of binlookup.io), licensed under CC BY 4.0. Changes made by Fakecreditcard: issuer, brand and country names re-cased and standardized, spelling variants of the same issuer merged, malformed phone numbers and web addresses removed.