FakecreditcardAbout BIN 520311
In our BIN data, 520311 is a Mastercard B2B credit card range that belongs to Optal Financial, Ltd., registered in the United Kingdom. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards.
With 164 BINs, Optal Financial, Ltd. ranks 5th among the 79 banks we list for the United Kingdom. The Optal Financial, Ltd. BIN list shows all of them with network, type and level.
Across the United Kingdom, the dataset counts 7,554 BINs; among the 5,192 that name an issuer, the main networks are Visa (36%), Mastercard (32%), American Express (10%), and 54% are debit. See the United Kingdom BIN list or the United Kingdom card generator.
Mastercard number format for BIN 520311
| Starts with | 520311 (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 | 5203 1160 9655 5436 |
When you test with this BIN, check that your form shows the Mastercard 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 520311. Banks often hold consecutive ranges, so neighbours can be sister products of the same issuer.
More BINs from Optal Financial, Ltd.
All 164 BINs of Optal Financial, Ltd. →
Frequently asked questions
Which bank issued BIN 520311?
BIN 520311 is registered to Optal Financial, Ltd. in the United Kingdom. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 520311 a debit or a credit card BIN?
It is recorded as credit, product level B2B. 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 520311 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 520311?
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 Optal Financial, Ltd., 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.