FakecreditcardAbout BIN 540923
BIN 540923 is listed as a Mastercard Prepaid Corporate debit card issued by Change Labs NZ Pty, Ltd. in New Zealand. 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.
Change Labs NZ Pty, Ltd. has fewer than ten BINs in our data, so it has no bank page; 2 BINs starting with 540 belong to it.
New Zealand has 509 BINs in the dataset; among the 409 that name an issuer, the main networks are Mastercard (25%), UATP (24%), Visa (24%), and 23% are debit. See the New Zealand BIN list.
Mastercard number format for BIN 540923
| Starts with | 540923 (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 | 5409 2358 0996 0469 |
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 540923. Banks often hold consecutive ranges, so neighbours can be sister products of the same issuer.
More BINs from Change Labs NZ Pty, Ltd.
Frequently asked questions
Which bank issued BIN 540923?
BIN 540923 is registered to Change Labs NZ Pty, Ltd. in New Zealand. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 540923 a debit or a credit card BIN?
It is recorded as debit, product level Prepaid Corporate. 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 540923 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 540923?
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 Change Labs NZ Pty, 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.