FakecreditcardAbout BIN 538814
BIN 538814 is listed as a Mastercard Business credit card issued by Hipotekarna Banka AD Podgorica in Montenegro. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards. Business, corporate and commercial products are issued to companies for company spending and often carry different interchange fees from consumer cards.
Hipotekarna Banka AD Podgorica has 19 BINs in the dataset, which makes it the second-largest of 2 banks with a BIN page in Montenegro. The Hipotekarna Banka AD Podgorica BIN list shows all of them with network, type and level.
Montenegro has 137 BINs in the dataset; among the 128 that name an issuer, the main networks are Mastercard (46%), Visa (45%), Maestro (8%), and 56% are debit. See the Montenegro BIN list.
Mastercard number format for BIN 538814
| Starts with | 538814 (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 | 5388 1409 4990 3988 |
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 538814. Banks often hold consecutive ranges, so neighbours can be sister products of the same issuer.
More BINs from Hipotekarna Banka AD Podgorica
All 19 BINs of Hipotekarna Banka AD Podgorica →
Frequently asked questions
Which bank issued BIN 538814?
BIN 538814 is registered to Hipotekarna Banka AD Podgorica in Montenegro. The dataset lists the website www.hipotekarnabanka.com. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 538814 a debit or a credit card BIN?
It is recorded as credit, product level Business. 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 538814 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 538814?
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 Hipotekarna Banka AD Podgorica, 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.
BIN checker · BIN list by country · BIN generator · Free BIN API
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.