FakecreditcardAbout BIN 639203
In our BIN data, 639203 is a Local brand debit card range that belongs to FCMB, registered in Nigeria. 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).
FCMB has fewer than ten BINs in our data, so it has no bank page.
Across Nigeria, the dataset counts 771 BINs; among the 633 that name an issuer, the main networks are Visa (45%), Mastercard (35%), Verve (15%), and 76% are debit. See the Nigeria BIN list or the Nigeria card generator.
Local brand number format for BIN 639203
| Starts with | 639203 (the BIN). First digit 6: merchandising and banking |
|---|---|
| Length | 16 digits is typical for this prefix |
| Security code | 3 digits on most cards |
| Check digit | The last digit, calculated with the Luhn algorithm |
| Printed as | 6392 0325 5665 6201 |
A checkout that receives a number starting with 639203 should detect Local brand, 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 639203 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 639203?
BIN 639203 is registered to FCMB in Nigeria. Bank details can change after mergers or portfolio sales, so confirm with the bank for anything important.
Is 639203 a debit or a credit card BIN?
It is recorded as debit. 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 639203 have?
Numbers with this prefix are usually 16 digits long. 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 639203?
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 FCMB, 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.