FakecreditcardAbout BIN 490863
In our BIN data, 490863 is a Visa Prepaid Private Label debit card range that belongs to Unicre - Instituicao Financeira de Credito, S.A., registered in Portugal. 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). Prepaid products are loaded with funds in advance instead of drawing on a credit line; subscription and recurring-billing flows often handle them separately.
With 62 BINs, Unicre - Instituicao Financeira de Credito, S.A. ranks the second-largest among the 14 banks we list for Portugal. The Unicre - Instituicao Financeira de Credito, S.A. BIN list shows all of them with network, type and level.
Across Portugal, the dataset counts 643 BINs; among the 523 that name an issuer, the main networks are Visa (64%), Mastercard (22%), American Express (7%), and 36% are debit. See the Portugal BIN list.
Visa number format for BIN 490863
| Starts with | 490863 (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 | 4908 6338 5141 2075 |
A checkout that receives a number starting with 490863 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 490863 in our data. Neighbouring ranges often belong to the same bank, but not always — each range is assigned separately.
More BINs from Unicre - Instituicao Financeira de Credito, S.A.
All 62 BINs of Unicre - Instituicao Financeira de Credito, S.A. →
Frequently asked questions
Which bank issued BIN 490863?
BIN 490863 is registered to Unicre - Instituicao Financeira de Credito, S.A. in Portugal. The dataset lists the website www.unicre.pt. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 490863 a debit or a credit card BIN?
It is recorded as debit, product level Prepaid Private Label. 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 490863 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 490863?
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 Unicre - Instituicao Financeira de Credito, S.A., 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.