FakecreditcardAbout BIN 531242
In our BIN data, 531242 is a Mastercard Prepaid debit card range that belongs to Western Union International Bank GmbH, registered in Austria. 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). Prepaid products are loaded with funds in advance instead of drawing on a credit line; subscription and recurring-billing flows often handle them separately.
Western Union International Bank GmbH has fewer than ten BINs in our data, so it has no bank page; 2 BINs starting with 531 belong to it.
Across Austria, the dataset counts 1,063 BINs; among the 901 that name an issuer, the main networks are Maestro (45%), Mastercard (21%), UATP (11%), and 52% are debit. See the Austria BIN list or the Austria card generator.
Mastercard number format for BIN 531242
| Starts with | 531242 (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 | 5312 4287 8316 9449 |
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 531242. Banks often hold consecutive ranges, so neighbours can be sister products of the same issuer.
More BINs from Western Union International Bank GmbH
Frequently asked questions
Which bank issued BIN 531242?
BIN 531242 is registered to Western Union International Bank GmbH in Austria. The dataset lists the website www.westernunion.com. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 531242 a debit or a credit card BIN?
It is recorded as debit, product level Prepaid. 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 531242 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 531242?
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 Western Union International Bank GmbH, 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.