FakecreditcardReal BINs from banks in France
The generator above is preset with BIN 405935, a Visa debit range of BPCE. Click "Use" next to any other bank to switch; the BIN stays fixed while the rest of the Visa number is random, closed by a Luhn digit.
| BIN | Issuer | Network | Type · level | Use this BIN |
|---|---|---|---|---|
| 405935 | BPCE | Visa | Debit · Classic | Use |
| 449950 | Natixis | Visa | Debit · Business | Use |
| 513200 | Banque Federative du Credit Mutuel (BFCM) | Mastercard | Debit · Standard | Use |
| 513100 | Credit Agricole, S.A. | Mastercard | Credit · Standard | Use |
| 406560 | BNP Paribas | Visa | Credit · Corporate T&E | Use |
| 403550 | Societe Generale, S.A. | Visa | Credit · Classic | Use |
| 513023 | Credit Mutuel Arkea | Mastercard | Debit · Standard | Use |
| 415059 | La Banque Postale | Visa | Debit · Classic | Use |
One BIN per bank — the most common Visa or Mastercard product of each of the largest issuers. All 3,028 BINs with a named issuer are in the France BIN list.
Local card networks in France
Local schemes are where card forms usually break: their prefixes are missing from many brand-detection libraries. These are the domestic networks of France.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| Cartes Bancaires (CB) Groupement des Cartes Bancaires CB |
Visa/Mastercard BINs (co-badged) | 16 | Yes | CB cards carry the Visa or Mastercard number, so a payment can be routed over CB or over Visa/Mastercard; in the EEA the shopper must be offered a choice of network for co-badged cards. Adyen's CB test card is 4360 0000 0100 0005. More than 95% of CB cards are co-badged with Visa or Mastercard. Source |
Largest card issuers in France
The 10 banks with the most BINs in the data, out of 168 named issuers. BPCE, Natixis and Banque Federative du Credit Mutuel (BFCM) alone account for 34% of the named BINs in France. Follow a bank name for its complete list of ranges.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| BPCE | 503 | Visa | 60% |
| Natixis | 276 | Visa | 54% |
| Banque Federative du Credit Mutuel (BFCM) | 264 | Mastercard | 42% |
| Credit Agricole, S.A. | 169 | Mastercard | 33% |
| BNP Paribas | 157 | Visa | 21% |
| Societe Generale, S.A. | 131 | Visa | 34% |
| Credit Mutuel Arkea | 113 | Mastercard | 52% |
| APG Airlines | 100 | UATP | 0% |
| La Banque Postale | 95 | Visa | 73% |
| Amex France Globestar Charge | 94 | American Express | 0% |
Card networks and card types in France
France has 3,976 BINs in the dataset; 3,028 name the issuing bank, spread over 168 issuers. Visa is the most common network (58% of the BINs), followed by Mastercard (23%). Credit ranges outnumber debit ranges 2,337 to 1,639. Visa ranges outnumber Mastercard 2.6 to 1. 108 ranges are prepaid or gift products and 644 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Visa | 2,317 | 58% | 949 | 1,368 |
| Mastercard | 905 | 23% | 250 | 655 |
| Maestro | 409 | 10% | 409 | 0 |
| American Express | 139 | 3% | 0 | 139 |
| UATP | 100 | 3% | 0 | 100 |
| Diners Club | 70 | 2% | 0 | 70 |
| Cirrus | 22 | 1% | 22 | 0 |
| Private label | 7 | less than 1% | 3 | 4 |
Most common product levels: Classic (658), Standard (548), Gold (436), Business (427), Personal (126).
Payment testing notes for France
- 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: Geo checks match the issuing country of the BIN (FR) 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 just 41% of the ranges here, below 34 of the other 62 countries we cover. Debit and credit often follow different rules for refunds, installments and recurring billing, so cover both types.
- Billing details: postcodes in France are 5 digits; the first two give the département (e.g. 75008); phone numbers use +33 — 10-digit numbers; mobile numbers start with 06 or 07 (06 xx xx xx xx). Generate France test addresses.
- Most French cards are co-badged with the domestic Cartes Bancaires (CB) scheme and Visa or Mastercard.
Paying online in France: local methods and gateways
Cards are only part of the picture. These payment methods are popular in France and usually sit next to the card form at checkout:
- Alma (BNPL) — French buy now, pay later in instalments, offered to customers in France. Source
- PayPal (wallet) — PayPal wallet, available to French businesses and buyers. Source
- Klarna (BNPL) — Pay later or in instalments; France is one of Klarna's supported customer countries. Source
- SEPA Direct Debit (prélèvement SEPA) (bank transfer) — Debit from a euro IBAN under a signed mandate, common for subscriptions. Source
Payment gateways developers commonly integrate for France, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Lyra (PayZen / Systempay) | French payment gateway; its docs list CB/Visa/Mastercard test cards, e.g. 5100 0100 0000 0114 for a frictionless 3DS2 payment. | Official docs |
| Adyen | Publishes Cartes Bancaires test cards issued in FR (e.g. 4360 0000 0100 0005). | Adyen test cards |
| Stripe | Supports CB routing for co-badged French cards; test cards in its testing docs. | Stripe test cards |
Card generators for other countries
← Generators for other countries · France 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 France credit card number for testing?
Yes. Every number on this page starts with a real BIN registered to a bank in France — by default 405935 (BPCE, Visa debit). 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 France?
By BIN count in our data: Visa 58%, Mastercard 23%, Maestro 10%, American Express 3%. Debit ranges make up 41% and credit ranges 59%.
Which BINs do Visa cards from France start with?
Examples from different banks: 405935 (BPCE); 449950 (Natixis); 406560 (BNP Paribas); 403550 (Societe Generale, S.A.). See the France BIN list for every bank.
Which currency should I use to test payments from France?
EUR (euro). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). Shoppers with cards from France can still be charged in other currencies; their bank converts the amount.
Do these France card numbers work for payments?
No. They start with real BINs from banks in France such as BPCE, 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 or a wallet such as PayPal. Testing a checkout? Use your gateway’s sandbox test cards.
How do people pay online in France besides cards?
Alma: French buy now, pay later in instalments, offered to customers in France. PayPal: PayPal wallet, available to French businesses and buyers. Klarna: Pay later or in instalments; France is one of Klarna's supported customer countries.