FakecreditcardAbout BIN 623123
BIN 623123 is listed as an UnionPay Personal debit card issued by Zhangjiagang Rural Commercial Bank in China. 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). Personal marks an entry-level consumer product.
Zhangjiagang Rural Commercial Bank has fewer than ten BINs in our data, so it has no bank page.
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 623123
| Starts with | 623123 (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 | 6231 2374 8236 8228 |
A checkout that receives a number starting with 623123 should detect UnionPay, 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 623123 in our data. Neighbouring ranges often belong to the same bank, but not always — each range is assigned separately.
Frequently asked questions
Which bank issued BIN 623123?
BIN 623123 is registered to Zhangjiagang Rural Commercial Bank in China. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 623123 a debit or a credit card BIN?
It is recorded as debit, product level Personal. 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 623123 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 623123?
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 Zhangjiagang Rural 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.