FakecreditcardAbout BIN 622318
BIN 622318 is listed as an UnionPay Classic credit card issued by Ningbo Commercial Bank in China. Credit cards spend against a credit line that the cardholder repays later; interchange fees and fraud rules usually differ from debit cards. Classic marks an entry-level consumer product.
Ningbo Commercial Bank has fewer than ten BINs in our data, so it has no bank page; 2 BINs starting with 622 belong to it.
China has 18,370 BINs in the dataset; among the 6,236 that name an issuer, the main networks are UnionPay (39%), Private label (21%), Local brand (15%), and 66% are debit. See the China BIN list or the China card generator.
UnionPay number format for BIN 622318
| Starts with | 622318 (the BIN). First digit 6: merchandising and banking |
|---|---|
| Length | 16 to 19 digits |
| Security code | 3-digit CVN2 on the back |
| Check digit | The last digit, calculated with the Luhn algorithm |
| Printed as | 6223 1895 2313 2768 |
When you test with this BIN, check that your form shows the UnionPay 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 622318. Banks often hold consecutive ranges, so neighbours can be sister products of the same issuer.
More BINs from Ningbo Commercial Bank
Frequently asked questions
Which bank issued BIN 622318?
BIN 622318 is registered to Ningbo Commercial Bank in China. The dataset lists the website www.ncbank.cn. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 622318 a debit or a credit card BIN?
It is recorded as credit, product level Classic. 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 622318 have?
UnionPay card numbers have 16 to 19 digits, and the security code is a 3-digit CVN2 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 622318?
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 Ningbo Commercial Bank, 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.