FakecreditcardAbout BIN 523685
In our BIN data, 523685 is a Mastercard Standard debit card range that belongs to Societe Financiere du Porte Monnaie Electronique Interbancaire, registered in France. 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). Standard marks an entry-level consumer product.
Societe Financiere du Porte Monnaie Electronique Interbancaire has fewer than ten BINs in our data, so it has no bank page.
Across France, the dataset counts 3,976 BINs; among the 3,209 that name an issuer, the main networks are Visa (58%), Mastercard (26%), Maestro (6%), and 43% are debit. See the France BIN list or the France card generator.
Mastercard number format for BIN 523685
| Starts with | 523685 (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 | 5236 8532 8171 2049 |
A checkout that receives a number starting with 523685 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 523685 in our data. Neighbouring ranges often belong to the same bank, but not always — each range is assigned separately.
Frequently asked questions
Which bank issued BIN 523685?
BIN 523685 is registered to Societe Financiere du Porte Monnaie Electronique Interbancaire in France. The dataset lists the website www.sfpmei.com. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 523685 a debit or a credit card BIN?
It is recorded as debit, product level Standard. 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 523685 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 523685?
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 Societe Financiere du Porte Monnaie Electronique Interbancaire, 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.