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 14,414 BINs with a named issuer are in the Canada BIN list.
Largest card issuers in Canada
The 10 banks with the most BINs in the data, out of 160 named issuers. Each bank with ten or more BINs has a page listing all of them.
| 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, 14,414 of them with a named issuer across 160 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. 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: fraud rules often compare the BIN country (CA) with the shopper's IP address and billing address. Generate numbers with a BIN from Canada to test the domestic path, and with a foreign BIN to test cross-border rules.
- Debit vs credit: 82% of the BINs from Canada are debit ranges. If your checkout treats debit differently (fees, installments, recurring billing), test with a BIN of each type from the table above.
- 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.
Generated numbers only pass format checks: network prefix, length and the Luhn checksum. They are not issued by any bank in Canada, 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 · 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. The generator on this page starts every number 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. No bank issued the number, so it carries no account and real payments with it are 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). 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.