FakecreditcardAbout BIN 431963
BIN 431963 is listed as a Visa debit card issued by Royal Bank of Scotland PLC in Ireland. Debit cards draw money directly from the cardholder's bank account, so checkouts and gateways often treat them differently from credit cards (fees, holds, recurring billing).
Royal Bank of Scotland PLC has 26 BINs in the dataset, which makes it 6th of 19 banks with a BIN page in Ireland. The Royal Bank of Scotland PLC BIN list shows all of them with network, type and level.
Ireland has 831 BINs in the dataset; among the 747 that name an issuer, the main networks are Mastercard (44%), UATP (27%), Visa (24%), and 38% are debit. See the Ireland BIN list or the Ireland card generator.
Visa number format for BIN 431963
| Starts with | 431963 (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 | 4319 6301 6881 0085 |
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 431963. Banks often hold consecutive ranges, so neighbours can be sister products of the same issuer.
More BINs from Royal Bank of Scotland PLC
All 26 BINs of Royal Bank of Scotland PLC →
Frequently asked questions
Which bank issued BIN 431963?
BIN 431963 is registered to Royal Bank of Scotland PLC in Ireland. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 431963 a debit or a credit card BIN?
It is recorded as debit. Debit cards draw money directly from the cardholder's bank account, so checkouts and gateways often treat them differently from credit cards (fees, holds, recurring billing).
How many digits does a card with BIN 431963 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 431963?
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 Royal Bank of Scotland PLC, 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.