FakecreditcardReal BINs from banks in Canada
The generator above is preset with BIN 518684, a Mastercard credit range of Bank of Montreal. 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 |
|---|---|---|---|---|
| 518684 | Bank of Montreal | Mastercard | Credit | Use |
| 408586 | The Toronto-Dominion Bank | Visa | Credit · Classic | Use |
| 403276 | Royal Bank of Canada | Visa | Credit · Classic | Use |
| 405867 | Canadian Imperial Bank of Commerce | Visa | Credit · Classic | Use |
| 511340 | Peoples Trust Company | Mastercard | Debit · Prepaid | Use |
| 426991 | Bank of Nova Scotia | Visa | Credit | Use |
| 511722 | Collabria Financial Services | Mastercard | Credit · Standard | Use |
| 520762 | GE Money Canada | Mastercard | Credit | Use |
One BIN per bank — the most common Visa or Mastercard product of each of the largest issuers. All 14,375 BINs with a named issuer are in the Canada BIN list.
Local card networks in Canada
A checkout built for Visa and Mastercard often mislabels domestic cards. The schemes below are specific to Canada and worth a test case each.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| Interac (Interac Debit) Interac Corp. |
Visa/Mastercard BINs (co-badged) | – | Limited | Canada's national PIN debit network; its web checkout product Interac Online was discontinued on 31 October 2024, and Interac cards use the issuing bank's own BINs (e.g. RBC client cards start 4506 or 4724). Debit cards are increasingly co-badged with Visa Debit or Debit Mastercard, which is what works for most online payments. Source |
Largest card issuers in Canada
The 10 banks with the most BINs in the data, out of 157 named issuers. Yard Card Canada, Best Buy - HSBC and Future Shop - HSBC alone account for 28% of the named BINs in Canada. Follow a bank name for its complete list of ranges.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| Yard Card Canada | 2,000 | Private label | 100% |
| Best Buy - HSBC | 1,000 | Private label | 100% |
| Future Shop - HSBC | 1,000 | Private label | 100% |
| Cantrex - TDFS | 999 | Private label | 100% |
| Luxury Jewellery Class (LJC) - TDFS | 999 | Private label | 100% |
| Ben Moss Jewellers - TDFS | 899 | Private label | 100% |
| Bose - TDFS | 899 | Private label | 100% |
| Castle Building Centres - TDFS | 899 | Private label | 100% |
| Corbeil - TDFS | 899 | Private label | 100% |
| Charm Diamond Centres - TDFS | 799 | Private label | 100% |
Card networks and card types in Canada
Our BIN data lists 16,234 BINs registered to Canada, 14,375 of them with a named issuer across 157 banks. The largest network is Private label with 70% of the ranges, followed by Maestro (10%). Debit ranges outnumber credit ranges 13,399 to 2,835. Visa ranges outnumber Mastercard 1.9 to 1. 408 ranges are prepaid or gift products and 502 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Private label | 11,335 | 70% | 11,320 | 15 |
| Maestro | 1,675 | 10% | 1,660 | 15 |
| Visa | 1,670 | 10% | 231 | 1,439 |
| Mastercard | 899 | 6% | 168 | 731 |
| American Express | 372 | 2% | 5 | 367 |
| Diners Club | 163 | 1% | 0 | 163 |
| UATP | 100 | 1% | 0 | 100 |
| Local brand | 10 | less than 1% | 7 | 3 |
Most common product levels: Standard (1,396), Classic (394), Personal (200), Prepaid (165), Business (145).
Payment testing notes for Canada
- Currency: CAD (Canadian dollar). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card country: Geo checks match the issuing country of the BIN (CA) against IP and address. Generate one batch with a local BIN and one with a foreign BIN to cover both outcomes.
- Debit vs credit: Debit makes up 83% of the ranges here; only 3 of the other 62 countries we cover have a higher debit share. Debit and credit often follow different rules for refunds, installments and recurring billing, so cover both types.
- Billing details: postcodes in Canada are 6 characters, letter-digit-letter space digit-letter-digit (e.g. K1A 0B1); phone numbers use +1 — 10 digits like the US (NANP): 3-digit area code + 7-digit number. Generate Canada test addresses.
- Interac is Canada's domestic debit network; online card forms normally take Visa, Mastercard and American Express.
- Canadian postal codes use the A1A 1A1 format — test address and AVS fields with it.
Paying online in Canada: local methods and gateways
Cards are only part of the picture. These payment methods are popular in Canada and usually sit next to the card form at checkout:
- Interac e-Transfer (bank transfer) — Sends money from online banking to an email address or mobile number; widely used in place of the retired Interac Online. Source
Payment gateways developers commonly integrate for Canada, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Moneris | Major Canadian acquirer; its test environment requires test card numbers only (real cards are not allowed). | Official docs |
| Helcim | Canadian processor with a developer test card page. | Official docs |
| Stripe | Available to Canadian businesses with the same test mode as in the US. | Stripe test cards |
Card generators for other countries
← Generators for other countries · Canada 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 Canada credit card number for testing?
Yes. Every number on this page starts with a real BIN registered to a bank in Canada — by default 518684 (Bank of Montreal, Mastercard credit). The remaining digits are random and the last one is a Luhn check digit. Nothing is attached to them, so any real charge is declined.
Which card networks are most common in Canada?
By BIN count in our data: Private label 70%, Maestro 10%, Visa 10%, Mastercard 6%. Debit ranges make up 83% and credit ranges 17%.
Which BINs do Visa cards from Canada start with?
Examples from different banks: 408586 (The Toronto-Dominion Bank); 403276 (Royal Bank of Canada); 405867 (Canadian Imperial Bank of Commerce); 426991 (Bank of Nova Scotia). See the Canada BIN list for every bank.
Which currency should I use to test payments from Canada?
CAD (Canadian dollar). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). Shoppers with cards from Canada can still be charged in other currencies; their bank converts the amount.
Do these Canada card numbers work for payments?
No. They start with real BINs from banks in Canada such as Bank of Montreal, but no bank issued them: no account, no money, no cardholder. Every real purchase, free trial or card check declines them. To pay online, use a virtual or prepaid card from your bank. Testing a checkout? Use your gateway’s sandbox test cards.
Which payment methods should a checkout for Canada offer next to cards?
Interac e-Transfer: Sends money from online banking to an email address or mobile number; widely used in place of the retired Interac Online.