FakecreditcardReal BINs from banks in Austria
The generator above is preset with BIN 535685, a Mastercard debit range of PSA Payment Services Austria GmbH. To test another issuer from Austria, use one of the BINs below: the first six digits stay, the others are random and the last one makes the Luhn check pass.
| BIN | Issuer | Network | Type · level | Use this BIN |
|---|---|---|---|---|
| 535685 | PSA Payment Services Austria GmbH | Mastercard | Debit · Standard | Use |
| 510492 | Bawag P.S.K. Bank | Mastercard | Credit · Standard | Use |
| 420144 | Card Complete Service Bank AG | Visa | Credit · Corporate T&E | Use |
| 451707 | Raiffeisen Bank International AG | Visa | Credit · Gold | Use |
| 410368 | Bawag P.S.K. Bank Fuer Arbeit und Wirtschaft und Osterreichische Postsparkasse A | Visa | Credit · Gold | Use |
| 416609 | Erste Bank der Oesterreichischen Sparkassen AG | Visa | Credit · Business | Use |
| 410369 | Paylife Bank GmbH | Visa | Credit | Use |
| 510045 | Erste Bank der Osterreichischen Sparkassen AG | Mastercard | Credit · World | Use |
One representative Visa/Mastercard range per major bank. All 901 BINs with a named issuer are in the Austria BIN list.
Card networks and card types in Austria
We count 1,063 card BINs for Austria — 901 with a known issuer, from 44 banks. The largest network is Maestro with 39% of the ranges, followed by Visa (20%). Debit ranges outnumber credit ranges 609 to 454. Visa and Mastercard hold a similar number of ranges. 29 ranges are prepaid or gift products and 74 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Maestro | 415 | 39% | 415 | 0 |
| Visa | 217 | 20% | 148 | 69 |
| Mastercard | 189 | 18% | 43 | 146 |
| UATP | 100 | 9% | 0 | 100 |
| American Express | 89 | 8% | 0 | 89 |
| Diners Club | 47 | 4% | 0 | 47 |
| Private label | 3 | less than 1% | 1 | 2 |
| Discover | 2 | less than 1% | 2 | 0 |
Most common product levels: Vpay (129), Standard (103), UATP (100), Personal (79), Gold (38).
Largest card issuers in Austria
The 10 banks with the most BINs in the data, out of 44 named issuers. Concentration is high: the top three issuers (PSA Payment Services Austria, Bawag P.S.K. Bank and Austrian Airlines (OS)) hold 72% of the named BINs. Follow a bank name for its complete list of ranges.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| PSA Payment Services Austria GmbH | 432 | Maestro | 98% |
| Bawag P.S.K. Bank | 119 | Mastercard | 8% |
| Austrian Airlines (OS) | 100 | UATP | 0% |
| American Express | 49 | American Express | 0% |
| DC Austria | 37 | Diners Club | 0% |
| Card Complete Service Bank AG | 33 | Visa | 18% |
| Amex Austria Globestar Charge | 29 | American Express | 0% |
| Raiffeisen Bank International AG | 22 | Visa | 18% |
| Amex Austria Corporate | 10 | American Express | 0% |
| Bawag P.S.K. Bank Fuer Arbeit und Wirtschaft und Osterreichische Postsparkasse A | 8 | Visa | 0% |
Payment testing notes for Austria
- Currency: EUR (euro). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card authentication: PSD2 strong customer authentication (Delegated Regulation (EU) 2018/389, in effect since 14 September 2019) applies to customer-initiated online card payments in the EEA; cards meet it through 3-D Secure, with exemptions for some low-risk and merchant-initiated payments. Source
- Card country: Many risk engines flag a mismatch between the card's issuing country (AT), the IP address and the billing country. Test both: a local BIN from the table, then a BIN from another country.
- Debit vs credit: Debit makes up 57% of the ranges here; only 19 of the other 62 countries we cover have a higher debit share. Use one debit and one credit BIN from Austria if your fees or subscription logic depend on the card type.
- Billing details: postcodes in Austria are 4 digits; the first digit gives the region (e.g. 1010); phone numbers use +43 — Mobile numbers use 3-digit codes starting with 6, e.g. 0650, 0660, 0664, 0676, 0680, 0681, 0688, 0699.
Paying online in Austria: local methods and gateways
Cards are only part of the picture. These payment methods are popular in Austria and usually sit next to the card form at checkout:
- EPS (bank transfer) — Austrian bank redirect payment using online banking credentials; all Austrian banks support it and most Austrian online retailers accept it. Source
- Klarna (BNPL) — Pay later or in instalments; Austria is a supported customer country. Source
- PayPal (wallet) — PayPal wallet, available to Austrian businesses and buyers. Source
- SEPA Direct Debit (SEPA-Lastschrift) (bank transfer) — Debit from a euro IBAN under a signed mandate. Source
Payment gateways developers commonly integrate for Austria, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Unzer | Payment provider active in Austria and Germany, with published test data. | Official docs |
| Stripe | Supports cards and EPS for Austrian customers; test cards in its testing docs. | Stripe test cards |
| Mollie | European payment provider used by Austrian shops; test mode and test cards documented. | Mollie test cards |
Card generators for other countries
← Generators for other countries · Austria 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 Austria credit card number for testing?
Yes. Every number on this page starts with a real BIN registered to a bank in Austria — by default 535685 (PSA Payment Services Austria GmbH, Mastercard debit). The remaining digits are random and the last one is a Luhn check digit. None of them is a real card; live payments fail.
Which card networks are most common in Austria?
By BIN count in our data: Maestro 39%, Visa 20%, Mastercard 18%, UATP 9%. Debit ranges make up 57% and credit ranges 43%.
Which BINs do Visa cards from Austria start with?
Examples from different banks: 420144 (Card Complete Service Bank AG); 451707 (Raiffeisen Bank International AG); 410368 (Bawag P.S.K. Bank Fuer Arbeit und Wirtschaft und Osterreichische Postsparkasse A); 416609 (Erste Bank der Oesterreichischen Sparkassen AG). See the Austria BIN list for every bank.
Which currency should I use to test payments from Austria?
EUR (euro). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). Also test a foreign-currency charge on an Austria BIN: the issuer converts it, which some checkouts display differently.
Is a generated Austria card number a real card?
They do not. A generated number only has the right shape; PSA Payment Services Austria or any other issuer has never heard of it, so authorization always fails. Real alternatives: a virtual card from a bank in Austria or a wallet such as PayPal. Testing a checkout? Use your gateway’s sandbox test cards.
Which payment methods should a checkout for Austria offer next to cards?
EPS: Austrian bank redirect payment using online banking credentials; all Austrian banks support it and most Austrian online retailers accept it. Klarna: Pay later or in instalments; Austria is a supported customer country. PayPal: PayPal wallet, available to Austrian businesses and buyers.