FakecreditcardAbout BIN 555440
In our BIN data, 555440 is a Mastercard Prepaid Healthcare Non-Tax debit card range that belongs to Optum Bank, Inc., 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). Prepaid products are loaded with funds in advance instead of drawing on a credit line; subscription and recurring-billing flows often handle them separately.
With 21 BINs, Optum Bank, Inc. ranks 290th among the 775 banks we list for the United States. The Optum Bank, Inc. BIN list shows all of them with network, type and level.
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 555440
| Starts with | 555440 (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 | 5554 4031 7012 5194 |
A checkout that receives a number starting with 555440 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 555440 in our data. Neighbouring ranges often belong to the same bank, but not always — each range is assigned separately.
More BINs from Optum Bank, Inc.
All 21 BINs of Optum Bank, Inc. →
Frequently asked questions
Which bank issued BIN 555440?
BIN 555440 is registered to Optum Bank, Inc. in the United States. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 555440 a debit or a credit card BIN?
It is recorded as debit, product level Prepaid Healthcare Non-Tax. 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 555440 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 555440?
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 Optum Bank, Inc., 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.