FakecreditcardReal BINs from banks in Australia
The generator above is preset with BIN 516133, a Mastercard credit range of Westpac Banking Corporation. Pick another bank's BIN below to switch — each number keeps the BIN, gets random digits and a Luhn check digit, and comes with a random expiry date and CVV.
| BIN | Issuer | Network | Type · level | Use this BIN |
|---|---|---|---|---|
| 516133 | Westpac Banking Corporation | Mastercard | Credit | Use |
| 406338 | Commonwealth Bank of Australia | Visa | Credit | Use |
| 413300 | Cuscal, Ltd | Visa | Debit · Classic | Use |
| 401785 | National Australia Bank, Ltd | Visa | Credit | Use |
| 434404 | ANZ - Australia and New Zealand Banking Group | Visa | Credit | Use |
| 409208 | St. George Bank, Ltd | Visa | Credit | Use |
| 426032 | Indue, Ltd | Visa | Credit · Classic | Use |
| 450949 | Australia and New Zealand Banking Group, Ltd | Visa | Credit · Classic | Use |
| 507730 | Cuscal, Ltd | eftpos | Debit · Standard | Use |
The largest issuers in Australia, one typical Visa or Mastercard BIN each, plus local-network BINs. All 1,930 BINs with a named issuer are in the Australia BIN list.
Local card networks in Australia
Local schemes are where card forms usually break: their prefixes are missing from many brand-detection libraries. These are the domestic networks of Australia.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| eftpos Australian Payments Plus (AP+) |
Visa/Mastercard BINs (co-badged) | – | Limited | Australia's domestic debit network. Eftpos-only (proprietary) cards work only in person; online, merchants route co-branded cards to eftpos under least-cost routing. AP+ identifies eftpos BINs through its BIN Inquiry API, not a public range list (the open bin-list data has 22 Australian 'EFTPOS' BINs). Yes: more than 90% of eftpos cards are co-branded with Visa or Mastercard (dual-network debit), and those can be routed over eftpos online. Source |
BIN counts for local networks in our dataset:
| Network | About | BINs | Share | Example BIN |
|---|---|---|---|---|
| eftpos | the domestic debit network | 22 | 1% | 507730 Cuscal, Ltd |
Card networks and card types in Australia
Australia has 2,688 BINs in the dataset; 1,930 name the issuing bank, spread over 193 issuers. Visa is the most common network (30% of the BINs), followed by Maestro (23%). Credit ranges outnumber debit ranges 1,462 to 1,226. Visa ranges outnumber Mastercard 1.6 to 1. 192 ranges are prepaid or gift products and 312 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Visa | 811 | 30% | 365 | 446 |
| Maestro | 628 | 23% | 628 | 0 |
| Mastercard | 494 | 18% | 171 | 323 |
| American Express | 268 | 10% | 0 | 268 |
| Diners Club | 221 | 8% | 0 | 221 |
| UATP | 200 | 7% | 0 | 200 |
| eftpos | 22 | 1% | 22 | 0 |
| Local brand | 20 | 1% | 20 | 0 |
Most common product levels: Standard (704), Classic (326), Personal (225), UATP (200), Business (108).
Largest card issuers in Australia
The 10 banks with the most BINs in the data, out of 193 named issuers. Concentration is moderate: the top three issuers (DC Australia, Westpac Banking and Commonwealth Bank of Australia) hold 20% of the named BINs. Banks with ten or more BINs link to their full BIN list.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| DC Australia | 149 | Diners Club | 0% |
| Westpac Banking Corporation | 128 | Mastercard | 17% |
| Commonwealth Bank of Australia | 118 | Mastercard | 23% |
| Cuscal, Ltd. | 117 | Visa | 71% |
| National Australia Bank, Ltd. | 108 | Mastercard | 23% |
| Australian Airlines (OS) | 100 | UATP | 0% |
| Qantas Airways (QF) | 100 | UATP | 0% |
| AE Australia Ltd Gstar Cons Revolve | 73 | American Express | 0% |
| American Express | 55 | American Express | 0% |
| ANZ - Australia and New Zealand Banking Group | 54 | Visa | 15% |
Payment testing notes for Australia
- Currency: AUD (Australian dollar). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card authentication: Australia has no blanket SCA mandate. Under AusPayNet's Card-Not-Present Fraud Mitigation Framework (from 1 July 2019), merchants whose CNP fraud stays above thresholds (about 0.2% of sales and AUD 50,000 a quarter) for two consecutive quarters must use strong customer authentication such as 3-D Secure. Source
- Card country: Many risk engines flag a mismatch between the card's issuing country (AU), the IP address and the billing country. Test both: a local BIN from the table, then a BIN from another country.
- Debit vs credit: 46% of the BINs from Australia are debit ranges — a higher share than in 34 of the 62 other countries we cover. If your checkout treats debit differently (fees, installments, recurring billing), test a BIN of each type from the table above.
- Billing details: postcodes in Australia are 4 digits (first digit generally shows the state or territory) (e.g. 2000); phone numbers use +61 — 9-digit mobile number after +61, mobiles start with 4 (written 04XX XXX XXX locally, national trunk prefix 0). Generate Australia test addresses.
- Many debit cards are dual-network (eftpos plus Visa or Mastercard), and merchants can route them over the cheaper network (least-cost routing).
Paying online in Australia: local methods and gateways
Cards are only part of the picture. These payment methods are popular in Australia and usually sit next to the card form at checkout:
- PayID / PayTo (NPP) (bank transfer) — Real-time account-to-account payments on the New Payments Platform run by AP+: PayID lets payers use a registered identifier such as a phone number or email instead of BSB and account number, and PayTo provides authorised pull payments that replace BECS direct debit. Source
- BPAY (bank transfer) — Bill payment from online banking using a Biller Code and a Customer Reference Number (with a check digit) printed on the bill. Source
- Afterpay (BNPL) — Buy now, pay later instalments; Stripe's limit for Australian merchants is AUD 1 to 2,000. Source
Payment gateways developers commonly integrate for Australia, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Pin Payments | Australian payment gateway; every account gets immediate access to a Test API with published test card numbers. | Official docs |
| Eway | Australian gateway whose sandbox (via a partner account) can be set to always approve; test cards pass Luhn but are declined on the live gateway. | – |
| Stripe Australia | Processes co-branded eftpos cards over eftpos by default (least-cost routing) and supports Afterpay; publishes eftpos test cards. | Official docs |
Card generators for other countries
← Generators for other countries · Australia BIN list · BIN generator · BIN checker
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.
Frequently asked questions
Can I generate an Australia credit card number for testing?
Yes — it is preset for Australia: numbers begin with 516133 from Westpac Banking Corporation and end with a valid Luhn digit, so they pass format checks for an Australia card. No bank issued them, so they carry no account and real payments are declined.
Which card networks are most common in Australia?
By BIN count in our data: Visa 30%, Maestro 23%, Mastercard 18%, American Express 10%. Local networks: eftpos (22 BINs). Debit ranges make up 46% and credit ranges 54%.
Which BINs do Visa cards from Australia start with?
Examples from different banks: 406338 (Commonwealth Bank of Australia); 413300 (Cuscal, Ltd); 401785 (National Australia Bank, Ltd); 434404 (ANZ - Australia and New Zealand Banking Group). See the Australia BIN list for every bank.
Which currency should I use to test payments from Australia?
AUD (Australian dollar). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). A card from any country can pay in any currency the merchant supports; the issuer handles conversion.
Can I use a generated Australia card number to buy something?
No — format only. Banks in Australia decline numbers they never issued, which is every generated number. If you need to pay, a bank virtual card is the safe route. Testing a checkout? Use your gateway’s sandbox test cards.
Which payment methods should a checkout for Australia offer next to cards?
PayID / PayTo (NPP): Real-time account-to-account payments on the New Payments Platform run by AP+: PayID lets payers use a registered identifier such as a phone number or email instead of BSB and account number, and PayTo provides authorised pull payments that replace BECS direct debit. BPAY: Bill payment from online banking using a Biller Code and a Customer Reference Number (with a check digit) printed on the bill. Afterpay: Buy now, pay later instalments; Stripe's limit for Australian merchants is AUD 1 to 2,000.