FakecreditcardAbout BIN 422093
In our BIN data, 422093 is a Visa Gold credit card range that belongs to Erste Bank der Oesterreichischen Sparkassen AG, registered in Austria. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards. Gold is a mid-tier product between the entry level (Classic or Standard) and premium tiers such as Platinum.
Erste Bank der Oesterreichischen Sparkassen AG has fewer than ten BINs in our data, so it has no bank page; 3 BINs starting with 422 belong to it.
Across Austria, the dataset counts 1,063 BINs; among the 901 that name an issuer, the main networks are Maestro (45%), Mastercard (21%), UATP (11%), and 52% are debit. See the Austria BIN list or the Austria card generator.
Visa number format for BIN 422093
| Starts with | 422093 (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 | 4220 9393 2793 6642 |
When you test with this BIN, check that your form shows the Visa logo, groups the 16 digits correctly and rejects numbers whose check digit is wrong. The generator creates as many numbers with this BIN as you need, with expiry dates and CVVs, as CSV, JSON or XML.
Nearby BINs
BINs just below and above 422093. Banks often hold consecutive ranges, so neighbours can be sister products of the same issuer.
More BINs from Erste Bank der Oesterreichischen Sparkassen AG
Frequently asked questions
Which bank issued BIN 422093?
BIN 422093 is registered to Erste Bank der Oesterreichischen Sparkassen AG in Austria. The dataset lists the website www.sparkasse.at. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 422093 a debit or a credit card BIN?
It is recorded as credit, product level Gold. 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 422093 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 422093?
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 Erste Bank der Oesterreichischen Sparkassen AG, 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.