FakecreditcardReal BINs from banks in China
The generator above is preset with BIN 519412, a Mastercard credit range of Agricultural Bank of China. 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 |
|---|---|---|---|---|
| 519412 | Agricultural Bank of China | Mastercard | Credit · Standard | Use |
| 454693 | Bank of Guiyang Co., Ltd. | Visa | Credit · Platinum | Use |
| 513685 | Industrial and Commercial Bank of China, Ltd. | Mastercard | Credit · Standard | Use |
| 512451 | Shanghai Pudong Development Bank | Mastercard | Credit · Gold | Use |
| 517813 | Bank of China, Ltd. | Mastercard | Credit · Titanium | Use |
| 512007 | China Guangfa Bank Co., Ltd | Mastercard | Credit · Standard | Use |
| 404286 | China Construction Bank Corporation | Visa | Credit | Use |
| 518711 | China Merchants Bank | Mastercard | Credit | Use |
| 601382 | Bank of China | UnionPay | Debit · Personal | Use |
One BIN per bank — the most common Visa or Mastercard product of each of the largest issuers, plus local-network BINs. All 6,236 BINs with a named issuer are in the China BIN list.
Local card networks in China
Besides the international networks, China 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 |
|---|---|---|---|---|
| UnionPay | China UnionPay, the domestic network founded in 2002 | 12,973 | 71% | 601382 Bank of China |
Largest card issuers in China
The 10 banks with the most BINs in the data, out of 1,068 named issuers. Each bank with ten or more BINs has a page listing all of them.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| Agricultural Bank of China | 1,066 | Local brand | 94% |
| Bank of Guiyang Co., Ltd. | 1,001 | Private label | 100% |
| Industrial and Commercial Bank of China, Ltd. | 314 | UnionPay | 18% |
| Shanghai Pudong Development Bank | 246 | Private label | 65% |
| Bank of China, Ltd. | 221 | UnionPay | 32% |
| China Guangfa Bank Co., Ltd. | 150 | UnionPay | 72% |
| China Construction Bank | 143 | Mastercard | 45% |
| CN ICBC Peony Money Link Card | 126 | UnionPay | 99% |
| China Merchants Bank | 104 | UnionPay | 50% |
| Air China | 100 | UATP | 0% |
Card networks and card types in China
Our BIN data lists 18,370 BINs registered to China, 6,236 of them with a named issuer across 1,068 banks. UnionPay is the most common network (71% of the BINs), followed by Maestro (8%). Debit ranges outnumber credit ranges 16,066 to 2,304. 66 ranges are prepaid or gift products and 257 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| UnionPay | 12,973 | 71% | 12,159 | 814 |
| Maestro | 1,469 | 8% | 1,469 | 0 |
| Private label | 1,395 | 8% | 1,325 | 70 |
| Local brand | 907 | 5% | 907 | 0 |
| Visa | 564 | 3% | 105 | 459 |
| Mastercard | 500 | 3% | 76 | 424 |
| UATP | 299 | 2% | 0 | 299 |
| American Express | 116 | 1% | 18 | 98 |
Most common product levels: Standard (1,929), Personal (1,155), Jiaxiu Card (1,000), Classic (684), UATP (299).
Payment testing notes for China
- Currency: CNY (Chinese yuan (renminbi)). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card country: fraud rules often compare the BIN country (CN) with the shopper's IP address and billing address. Generate numbers with a BIN from China to test the domestic path, and with a foreign BIN to test cross-border rules.
- Debit vs credit: 87% of the BINs from China are debit ranges. If your checkout treats debit differently (fees, installments, recurring billing), test with a BIN of each type from the table above.
- Alipay and WeChat Pay dominate online payments; cards are often linked to them rather than typed in.
Generated numbers only pass format checks: network prefix, length and the Luhn checksum. They are not issued by any bank in China, 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 · China 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 China credit card number for testing?
Yes. The generator on this page starts every number with a real BIN registered to a bank in China — by default 519412 (Agricultural Bank of China, 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 China?
By BIN count in our data: UnionPay 71%, Maestro 8%, Private label 8%, Local brand 5%. Local networks: UnionPay (12,973 BINs). Debit ranges make up 87% and credit ranges 13%.
Which BINs do Visa cards from China start with?
Examples from different banks: 454693 (Bank of Guiyang Co., Ltd.); 404286 (China Construction Bank Corporation). See the China BIN list for every bank.
Which currency should I use to test payments from China?
CNY (Chinese yuan (renminbi)). 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.