FakecreditcardAbout BIN 439649
In our BIN data, 439649 is a Visa Classic debit card range that belongs to Zagrebacka Banka DD, registered in Croatia. 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). Classic marks an entry-level consumer product.
With 11 BINs, Zagrebacka Banka DD ranks 10th among the 10 banks we list for Croatia. The Zagrebacka Banka DD BIN list shows all of them with network, type and level.
Across Croatia, the dataset counts 521 BINs; among the 483 that name an issuer, the main networks are Diners Club (40%), Visa (25%), Mastercard (23%), and 27% are debit. See the Croatia BIN list.
Visa number format for BIN 439649
| Starts with | 439649 (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 | 4396 4955 7536 7095 |
A checkout that receives a number starting with 439649 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 439649 in our data. Neighbouring ranges often belong to the same bank, but not always — each range is assigned separately.
More BINs from Zagrebacka Banka DD
All 11 BINs of Zagrebacka Banka DD →
Frequently asked questions
Which bank issued BIN 439649?
BIN 439649 is registered to Zagrebacka Banka DD in Croatia. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 439649 a debit or a credit card BIN?
It is recorded as debit, product level Classic. 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 439649 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 439649?
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 Zagrebacka Banka DD, 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.