FakecreditcardAbout BIN 518539
BIN 518539 is listed as a Mastercard Standard credit card issued by Union Bank of Nigeria PLC in Nigeria. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards. Standard marks an entry-level consumer product.
Union Bank of Nigeria PLC has 28 BINs in the dataset, which makes it 4th of 18 banks with a BIN page in Nigeria. The Union Bank of Nigeria PLC BIN list shows all of them with network, type and level.
Nigeria has 771 BINs in the dataset; among the 633 that name an issuer, the main networks are Visa (45%), Mastercard (35%), Verve (15%), and 76% are debit. See the Nigeria BIN list or the Nigeria card generator.
Mastercard number format for BIN 518539
| Starts with | 518539 (the BIN). First digit 5: banking and financial |
|---|---|
| Length | 16 digits |
| Security code | 3-digit CVC2 on the back |
| Check digit | The last digit, calculated with the Luhn algorithm |
| Printed as | 5185 3945 4822 1921 |
A checkout that receives a number starting with 518539 should detect Mastercard, 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 518539 in our data. Neighbouring ranges often belong to the same bank, but not always — each range is assigned separately.
More BINs from Union Bank of Nigeria PLC
All 28 BINs of Union Bank of Nigeria PLC →
Frequently asked questions
Which bank issued BIN 518539?
BIN 518539 is registered to Union Bank of Nigeria PLC in Nigeria. The dataset lists the website www.unionbankng.com. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 518539 a debit or a credit card BIN?
It is recorded as credit, product level Standard. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards.
How many digits does a card with BIN 518539 have?
Mastercard card numbers have 16 digits, and the security code is a 3-digit CVC2 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 518539?
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 Union Bank of Nigeria 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.