FakecreditcardAbout BIN 444038
In our BIN data, 444038 is a Visa Electron debit card range that belongs to OJSC Bank Universal, registered in Ukraine. 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). Visa Electron is a debit product that is authorized online for every transaction.
OJSC Bank Universal has fewer than ten BINs in our data, so it has no bank page; 7 BINs starting with 444 belong to it.
Across Ukraine, the dataset counts 1,657 BINs; among the 1,322 that name an issuer, the main networks are Visa (52%), Mastercard (39%), Maestro (8%), and 52% are debit. See the Ukraine BIN list or the Ukraine card generator.
Visa number format for BIN 444038
| Starts with | 444038 (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 | 4440 3856 5237 4807 |
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 444038. Banks often hold consecutive ranges, so neighbours can be sister products of the same issuer.
More BINs from OJSC Bank Universal
Frequently asked questions
Which bank issued BIN 444038?
BIN 444038 is registered to OJSC Bank Universal in Ukraine. The dataset lists the website www.universalbank.com.ua. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 444038 a debit or a credit card BIN?
It is recorded as debit, product level Electron. 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 444038 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 444038?
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 OJSC Bank Universal, 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.