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 |
One BIN per bank — the most common Visa or Mastercard product of each of the largest issuers, plus local-network BINs. All 1,934 BINs with a named issuer are in the Australia BIN list.
Local card networks in Australia
Besides the international networks, Australia has its own card scheme. Local networks matter for testing because their numbers often use prefixes that a Visa/Mastercard-only form rejects or labels wrongly.
| 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; 1,934 name the issuing bank, spread over 196 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. 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 196 named issuers. Each bank with ten or more BINs has a page listing all of them.
| 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 country: fraud rules often compare the BIN country (AU) with the shopper's IP address and billing address. Generate numbers with a BIN from Australia to test the domestic path, and with a foreign BIN to test cross-border rules.
- Debit vs credit: 45% of the BINs from Australia are debit ranges. If your checkout treats debit differently (fees, installments, recurring billing), test with a BIN of each type from the table above.
- Many debit cards are dual-network (eftpos plus Visa or Mastercard), and merchants can route them over the cheaper network (least-cost routing).
Generated numbers only pass format checks: network prefix, length and the Luhn checksum. They are not issued by any bank in Australia, carry no money and are declined by every real payment system — use them for forms, validation and BIN rules, and switch to your gateway's documented test cards for approvals and declines.
← 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 a Australia credit card number for testing?
Yes. The generator on this page starts every number with a real BIN registered to a bank in Australia — by default 516133 (Westpac Banking Corporation, Mastercard credit). The remaining digits are random and the last one is a Luhn check digit. No bank issued the number, so it carries no account and real payments with it 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.
Will these numbers pass a payment gateway?
They pass format checks — length, network prefix and the Luhn checksum — so they are ideal for testing form validation and BIN-based rules. Gateways in test mode want their own documented test cards for approvals and declines; in live mode every generated number is declined because no bank has issued it.