FakecreditcardAbout BIN 523897
In our BIN data, 523897 is a Mastercard Enhanced debit card range that belongs to Focus Bank, registered in the United States. 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).
Focus Bank has fewer than ten BINs in our data, so it has no bank page.
Across the United States, the dataset counts 156,869 BINs; among the 73,133 that name an issuer, the main networks are Visa (50%), Mastercard (22%), Discover (17%), and 46% are debit. See the United States BIN list or the United States card generator.
Mastercard number format for BIN 523897
| Starts with | 523897 (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 | 5238 9743 6569 1814 |
A checkout that receives a number starting with 523897 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 523897 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 523897?
BIN 523897 is registered to Focus Bank in the United States. The dataset lists the website www.focusbank.com. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 523897 a debit or a credit card BIN?
It is recorded as debit, product level 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 523897 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 523897?
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 Focus Bank, 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.