FakecreditcardReal BINs from banks in Germany
The generator above is preset with BIN 513027, a Mastercard credit range of Euro Kartensysteme GmbH. Click "Use" next to any other bank to switch; the BIN stays fixed while the rest of the Mastercard number is random, closed by a Luhn digit.
| BIN | Issuer | Network | Type · level | Use this BIN |
|---|---|---|---|---|
| 513027 | Euro Kartensysteme GmbH | Mastercard | Credit · Standard | Use |
| 482501 | Deutscher Sparkassen- und Giroverband | Visa | Debit · Vpay | Use |
| 525598 | Lufthansa Airplus Servicekarten GmbH | Mastercard | Credit · Corporate | Use |
| 458612 | DZ Bank AG | Visa | Debit · V Pay | Use |
| 403594 | Deutsche Bank AG | Visa | Credit · Gold | Use |
| 400272 | Commerzbank AG | Visa | Credit · Classic | Use |
| 512759 | DZ Bank AG Deutsche Zentral-Genossenschaftsbank | Mastercard | Credit · Standard | Use |
| 466255 | Wirecard Bank AG | Visa | Credit | Use |
One BIN per bank — the most common Visa or Mastercard product of each of the largest issuers. All 2,964 BINs with a named issuer are in the Germany BIN list.
Local card networks in Germany
Local schemes are where card forms usually break: their prefixes are missing from many brand-detection libraries. These are the domestic networks of Germany.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| girocard German banking industry (Die Deutsche Kreditwirtschaft), which set the girocard standards and introduced the name in 2007 |
Visa/Mastercard BINs (co-badged) | – | Limited | girocard itself is generally not equipped for e-commerce; online payments run over the co-badged Visa or Mastercard number. Usually co-badged: formerly Maestro (new Maestro co-badges ended 1 July 2023) or V PAY, now mainly Debit Mastercard or Visa Debit, which give the card a 16-digit number, expiry date and CVC for online use. Source |
| V PAY Visa Europe |
Visa/Mastercard BINs (co-badged) | – | Limited | Visa's European debit brand, rarely accepted outside Europe; it uses Visa numbers - Adyen's V PAY test card (issuer PL) is the 19-digit 4013 2500 0000 0000 006. Often co-badged with girocard (an option banks still use after the Maestro co-badge ended). Source |
BIN counts for local networks in our dataset:
| Network | About | BINs | Share | Example BIN |
|---|---|---|---|---|
| girocard | the debit scheme of the German banking industry | 982 | 21% | – |
Largest card issuers in Germany
The 10 banks with the most BINs in the data, out of 174 named issuers. Together, Euro Kartensysteme, Deutscher Sparkassen- und Giroverband and Lufthansa Airplus Servicekarten issue 53% of the ranges that name a bank. Each bank with ten or more BINs has a page listing all of them.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| Euro Kartensysteme GmbH | 867 | Maestro | 91% |
| Deutscher Sparkassen- und Giroverband | 489 | Maestro | 69% |
| Lufthansa Airplus Servicekarten GmbH | 213 | UATP | 0% |
| DZ Bank AG | 137 | Visa | 65% |
| Deutsche Bank AG | 101 | Visa | 34% |
| Aerticket GmbH | 100 | UATP | 0% |
| Hahn Air Business Line (HR) | 100 | UATP | 0% |
| Amex Germany Globestar Charge | 96 | American Express | 0% |
| Commerzbank AG | 64 | Visa | 47% |
| DZ Bank AG Deutsche Zentral-Genossenschaftsbank | 59 | Mastercard | 36% |
Card networks and card types in Germany
We count 4,734 card BINs for Germany — 2,964 with a known issuer, from 174 banks. Maestro is the most common network (35% of the BINs), followed by girocard (21%). Debit ranges outnumber credit ranges 3,160 to 1,573. Visa and Mastercard hold a similar number of ranges. 171 ranges are prepaid or gift products and 280 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Maestro | 1,638 | 35% | 1,638 | 0 |
| girocard | 982 | 21% | 982 | 0 |
| Visa | 854 | 18% | 316 | 538 |
| Mastercard | 573 | 12% | 186 | 386 |
| UATP | 400 | 8% | 0 | 400 |
| American Express | 151 | 3% | 0 | 151 |
| Diners Club | 93 | 2% | 2 | 91 |
| V Pay | 17 | less than 1% | 17 | 0 |
Most common product levels: Standard (778), UATP (400), Classic (198), Gold (154), Business (150).
Payment testing notes for Germany
- 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: Many risk engines flag a mismatch between the card's issuing country (DE), the IP address and the billing country. Test both: a local BIN from the table, then a BIN from another country.
- Debit vs credit: At 67% debit ranges, Germany is more debit-heavy than 50 of the 62 other countries on this site. Use one debit and one credit BIN from Germany if your fees or subscription logic depend on the card type.
- Billing details: postcodes in Germany are 5 digits (Postleitzahl, since 1 July 1993) (e.g. 10115); phone numbers use +49 — Mobile numbers start with 015, 016 or 017 and are 10 or 11 digits long without the leading 0. Generate Germany test addresses.
Paying online in Germany: local methods and gateways
Cards are only part of the picture. These payment methods are popular in Germany and usually sit next to the card form at checkout:
- PayPal (wallet) — PayPal wallet, available to German businesses and buyers. Source
- Klarna (BNPL) — Pay later, pay in instalments or pay now; Sofort bank transfer is now part of Klarna. Source
- SEPA Direct Debit (Lastschrift) (bank transfer) — Debit from a euro IBAN under a signed mandate, common for German subscriptions and invoices. Source
Payment gateways developers commonly integrate for Germany, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Unzer | German-Austrian payment provider (formerly heidelpay) with published test card and test account data. | Official docs |
| Mollie | Popular with German shops; test mode with test cards documented. | Mollie test cards |
| Stripe | Widely used by German developers; test-mode card numbers in its testing docs. | Stripe test cards |
Card generators for other countries
← Generators for other countries · Germany 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 Germany credit card number for testing?
Yes — it is preset for Germany: numbers begin with 513027 from Euro Kartensysteme GmbH and end with a valid Luhn digit, so they pass format checks for a Germany card. They are test data only: no account sits behind them.
Which card networks are most common in Germany?
By BIN count in our data: Maestro 35%, girocard 21%, Visa 18%, Mastercard 12%. Local networks: girocard (982 BINs). Debit ranges make up 67% and credit ranges 33%.
Which BINs do Visa cards from Germany start with?
Examples from different banks: 482501 (Deutscher Sparkassen- und Giroverband); 458612 (DZ Bank AG); 403594 (Deutsche Bank AG); 400272 (Commerzbank AG). See the Germany BIN list for every bank.
Which currency should I use to test payments from Germany?
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.
Are these Germany card numbers real? Can I pay with them?
No. They start with real BINs from banks in Germany such as Euro Kartensysteme, 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 Germany besides cards?
PayPal: PayPal wallet, available to German businesses and buyers. Klarna: Pay later, pay in instalments or pay now; Sofort bank transfer is now part of Klarna. SEPA Direct Debit (Lastschrift): Debit from a euro IBAN under a signed mandate, common for German subscriptions and invoices.