FakecreditcardAbout BIN 412831
In our BIN data, 412831 is a Visa Platinum credit card range that belongs to Bank of New Zealand, registered in New Zealand. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards. Platinum is a premium tier; the issuer sets the benefits and limits, but it ranks above the entry-level products.
With 22 BINs, Bank of New Zealand ranks 5th among the 10 banks we list for New Zealand. The Bank of New Zealand BIN list shows all of them with network, type and level.
Across New Zealand, the dataset counts 509 BINs; among the 409 that name an issuer, the main networks are Mastercard (25%), UATP (24%), Visa (24%), and 23% are debit. See the New Zealand BIN list.
Visa number format for BIN 412831
| Starts with | 412831 (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 | 4128 3162 8264 0043 |
A checkout that receives a number starting with 412831 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 412831 in our data. Neighbouring ranges often belong to the same bank, but not always — each range is assigned separately.
More BINs from Bank of New Zealand
All 22 BINs of Bank of New Zealand →
Frequently asked questions
Which bank issued BIN 412831?
BIN 412831 is registered to Bank of New Zealand in New Zealand. The dataset lists the website www.bnz.co.nz. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 412831 a debit or a credit card BIN?
It is recorded as credit, product level Platinum. 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 412831 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 412831?
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 Bank of New Zealand, 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.