FakecreditcardReal BINs from banks in Finland
The generator above is preset with BIN 462021, a Visa credit range of Tapiola Pankki OY. 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 |
|---|---|---|---|---|
| 462021 | Tapiola Pankki OY | Visa | Credit | Use |
| 512499 | Nordea Bank AB (Publ) | Mastercard | Debit · Standard | 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 473 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 — 473 with a known issuer, from 58 banks. The largest network is Maestro with 45% of the ranges, followed by Visa (17%). Debit ranges outnumber credit ranges 516 to 396. 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 58 named issuers. 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% |
| Tapiola Pankki OY | 26 | Visa | 4% |
| Nordea Bank AB (Publ) | 19 | Mastercard | 37% |
| 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.
- Strong Customer Authentication: as an EEA country, PSD2 rules require two-factor authentication for most online card payments — test 3-D Secure challenges in your gateway's sandbox.
- Card country: fraud rules often compare the BIN country (FI) with the shopper's IP address and billing address. Generate numbers with a BIN from Finland to test the domestic path, and with a foreign BIN to test cross-border rules.
- Debit vs credit: 56% of the BINs from Finland are debit ranges. If your checkout treats debit differently (fees, installments, recurring billing), test with a BIN of each type from the table above.
Generated numbers only pass format checks: network prefix, length and the Luhn checksum. They are not issued by any bank in Finland, 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 · 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. The generator on this page starts every number with a real BIN registered to a bank in Finland — by default 462021 (Tapiola Pankki OY, Visa 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 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). 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.