FakecreditcardAbout BIN 538636
BIN 538636 is listed as a Mastercard Prepaid Reloadable debit card issued by Heritage and People's Choice, Ltd. in Australia. 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.
Heritage and People's Choice, Ltd. has 16 BINs in the dataset, which makes it 27th of 36 banks with a BIN page in Australia. The Heritage and People's Choice, Ltd. BIN list shows all of them with network, type and level.
Australia has 2,688 BINs in the dataset; among the 1,934 that name an issuer, the main networks are Visa (38%), Mastercard (24%), American Express (14%), and 33% are debit. See the Australia BIN list or the Australia card generator.
Mastercard number format for BIN 538636
| Starts with | 538636 (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 | 5386 3623 0634 2731 |
A checkout that receives a number starting with 538636 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 538636 in our data. Neighbouring ranges often belong to the same bank, but not always — each range is assigned separately.
More BINs from Heritage and People's Choice, Ltd.
All 16 BINs of Heritage and People's Choice, Ltd. →
Frequently asked questions
Which bank issued BIN 538636?
BIN 538636 is registered to Heritage and People's Choice, Ltd. in Australia. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 538636 a debit or a credit card BIN?
It is recorded as debit, product level Prepaid Reloadable. 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 538636 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 538636?
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 Heritage and People's Choice, 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.