FakecreditcardAbout BIN 497110
BIN 497110 is listed as a Visa Business Enhanced debit card issued by Spendesk Financial Services SAS in Germany. 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). Business, corporate and commercial products are issued to companies for company spending and often carry different interchange fees from consumer cards.
Spendesk Financial Services SAS has fewer than ten BINs in our data, so it has no bank page; 5 BINs starting with 497 belong to it.
Germany has 4,734 BINs in the dataset; among the 2,970 that name an issuer, the main networks are Maestro (35%), Visa (26%), Mastercard (18%), and 53% are debit. See the Germany BIN list or the Germany card generator.
Visa number format for BIN 497110
| Starts with | 497110 (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 | 4971 1022 6182 6276 |
A checkout that receives a number starting with 497110 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 497110 in our data. Neighbouring ranges often belong to the same bank, but not always — each range is assigned separately.
More BINs from Spendesk Financial Services SAS
Frequently asked questions
Which bank issued BIN 497110?
BIN 497110 is registered to Spendesk Financial Services SAS in Germany. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 497110 a debit or a credit card BIN?
It is recorded as debit, product level Business Enhanced. 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 497110 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 497110?
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 Spendesk Financial Services SAS, 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.