FakecreditcardReal BINs from banks in Finland
The generator above is preset with BIN 512499, a Mastercard debit range of Nordea Bank AB (Publ). To test another issuer from Finland, 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 |
|---|---|---|---|---|
| 512499 | Nordea Bank AB (Publ) | Mastercard | Debit · Standard | Use |
| 462021 | Tapiola Pankki OY | Visa | Credit | Use |
| 462472 | Aktia Bank | Visa | Debit · Classic | Use |
| 535211 | Svenska Handelsbanken AB | Mastercard | Debit · Standard | Use |
| 513565 | Alandsbanken Abp | Mastercard | Debit · Standard | Use |
| 527592 | Danske Bank A/S | Mastercard | Credit · Standard | Use |
| 424374 | Danske Bank Oyj | Visa | Credit · Gold | Use |
| 432466 | OP Card Company PLC | Visa | Credit · Classic | Use |
One BIN per bank — the most common Visa or Mastercard product of each of the largest issuers. All 472 BINs with a named issuer are in the Finland BIN list.
Card networks and card types in Finland
We count 912 card BINs for Finland — 472 with a known issuer, from 56 banks. The largest network is Maestro with 45% of the ranges, followed by Visa (17%). Debit ranges outnumber credit ranges 516 to 396. Visa and Mastercard hold a similar number of ranges. 14 ranges are prepaid or gift products and 49 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Maestro | 410 | 45% | 410 | 0 |
| Visa | 151 | 17% | 69 | 82 |
| American Express | 122 | 13% | 0 | 122 |
| Mastercard | 108 | 12% | 34 | 74 |
| UATP | 100 | 11% | 0 | 100 |
| Diners Club | 17 | 2% | 0 | 17 |
| Private label | 3 | less than 1% | 2 | 1 |
| Local brand | 1 | less than 1% | 1 | 0 |
Most common product levels: Standard (458), UATP (100), Classic (47), Gold (26), Business (25).
Largest card issuers in Finland
The 10 banks with the most BINs in the data, out of 56 named issuers. Concentration is high: the top three issuers (American Express, Finnair Oyj (AY) and Nordea Bank AB (Publ)) hold 49% of the named BINs. Each bank with ten or more BINs has a page listing all of them.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| American Express | 104 | American Express | 0% |
| Finnair Oyj (AY) | 100 | UATP | 0% |
| Nordea Bank AB (Publ) | 27 | Mastercard | 44% |
| Tapiola Pankki OY | 26 | Visa | 4% |
| Aktia Bank PLC | 18 | Mastercard | 50% |
| Svenska Handelsbanken AB | 13 | Mastercard | 38% |
| Alandsbanken Abp | 12 | Mastercard | 42% |
| AEESA Amex Services Europe Ltd-Finland | 11 | American Express | 0% |
| Danske Bank A/S | 11 | Mastercard | 27% |
| Danske Bank Oyj | 11 | Visa | 27% |
Payment testing notes for Finland
- 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: Fraud rules often compare the BIN country (FI) with the shopper's IP address and billing address. Use a BIN from Finland for the domestic path and a foreign BIN for cross-border rules.
- 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. Debit and credit often follow different rules for refunds, installments and recurring billing, so cover both types.
- Billing details: postcodes in Finland are 5 digits; low first digits in the south, high in the north (Åland uses the AX prefix) (e.g. 00100); phone numbers use +358 — Mobile numbers start with 04x, 0457 or 050 (e.g. 04x 123 45 67).
Paying online in Finland: local methods and gateways
Cards are only part of the picture. These payment methods are popular in Finland and usually sit next to the card form at checkout:
- MobilePay (wallet) — Card-wallet app used in Finland and Denmark; the shopper approves in the MobilePay app. Source
- Online bank payments (verkkopankkimaksu) (bank transfer) — Pay directly from a Finnish bank account by selecting the bank and approving in its app (offered e.g. as Pay by Bank for Finnish customers). Source
- Klarna (BNPL) — Pay later or in instalments; Finland is a supported customer country. Source
Payment gateways developers commonly integrate for Finland, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Paytrail | Finnish payment service covering Finnish bank buttons, MobilePay and cards; public test merchant ID 375917 with secret SAIPPUAKAUPPIAS, transactions simulated. | Official docs |
| Nexi Checkout (formerly Nets Easy) | Nordic checkout with documented test card processing. | Official docs |
| Stripe | Supports cards, MobilePay and Pay by Bank for Finnish customers; test cards in its testing docs. | Stripe test cards |
Card generators for other countries
← Generators for other countries · Finland 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 Finland credit card number for testing?
Yes. Pick a bank from Finland (the default is Nordea Bank AB (Publ), BIN 512499) and the tool builds Luhn-valid numbers on that prefix, with expiry and CVV. They are test data only: no account sits behind them.
Which card networks are most common in Finland?
By BIN count in our data: Maestro 45%, Visa 17%, American Express 13%, Mastercard 12%. Debit ranges make up 57% and credit ranges 43%.
Which BINs do Visa cards from Finland start with?
Examples from different banks: 462021 (Tapiola Pankki OY); 462472 (Aktia Bank); 424374 (Danske Bank Oyj); 432466 (OP Card Company PLC). See the Finland BIN list for every bank.
Which currency should I use to test payments from Finland?
EUR (euro). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). Also test a foreign-currency charge on a Finland BIN: the issuer converts it, which some checkouts display differently.
Can I use a generated Finland card number to buy something?
No — format only. Banks in Finland decline numbers they never issued, which is every generated number. If you need to pay, a bank virtual card or a wallet such as MobilePay is the safe route. Testing a checkout? Use your gateway’s sandbox test cards.
Which payment methods should a checkout for Finland offer next to cards?
MobilePay: Card-wallet app used in Finland and Denmark; the shopper approves in the MobilePay app. Online bank payments (verkkopankkimaksu): Pay directly from a Finnish bank account by selecting the bank and approving in its app (offered e.g. as Pay by Bank for Finnish customers). Klarna: Pay later or in instalments; Finland is a supported customer country.