FakecreditcardAbout BIN 428040
In our BIN data, 428040 is a Visa Signature credit card range that belongs to Postal Savings Bank of China Co., Ltd., registered in China. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards. Signature and Infinite are Visa's premium consumer tiers, above Classic and Gold.
With 40 BINs, Postal Savings Bank of China Co., Ltd. ranks 21st among the 41 banks we list for China. The Postal Savings Bank of China Co., Ltd. BIN list shows all of them with network, type and level.
Across China, the dataset counts 18,370 BINs; among the 6,236 that name an issuer, the main networks are UnionPay (39%), Private label (21%), Local brand (15%), and 66% are debit. See the China BIN list or the China card generator.
Visa number format for BIN 428040
| Starts with | 428040 (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 | 4280 4062 7354 5972 |
A checkout that receives a number starting with 428040 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 428040 in our data. Neighbouring ranges often belong to the same bank, but not always — each range is assigned separately.
More BINs from Postal Savings Bank of China Co., Ltd.
All 40 BINs of Postal Savings Bank of China Co., Ltd. →
Frequently asked questions
Which bank issued BIN 428040?
BIN 428040 is registered to Postal Savings Bank of China Co., Ltd. in China. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 428040 a debit or a credit card BIN?
It is recorded as credit, product level Signature. 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 428040 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 428040?
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 Postal Savings Bank of China Co., Ltd., 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.
BIN checker · BIN list by country · BIN generator · Free BIN API
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.