FakecreditcardReal BINs from banks in Ireland
The generator above is preset with BIN 431938, a Visa debit range of The Governor and Company of the Bank of Ireland. Each row below is a different bank. Switching keeps that bank's prefix, randomizes the middle digits and recomputes the check digit, with a fresh expiry and CVV.
| BIN | Issuer | Network | Type · level | Use this BIN |
|---|---|---|---|---|
| 431938 | The Governor and Company of the Bank of Ireland | Visa | Debit · Classic | Use |
| 527447 | Barclaycard International Payments, Ltd | Mastercard | Credit · Corporate Fleet | Use |
| 223434 | Optal Financial Europe, Ltd | Mastercard | Credit · B2B | Use |
| 510006 | Chase Paymentech Europe, Ltd | Mastercard | Credit · B2B | Use |
| 431948 | Royal Bank of Scotland PLC | Visa | Debit | Use |
| 510187 | Eml Money Dac | Mastercard | Debit · Prepaid | Use |
| 415548 | Citibank Europe PLC | Visa | Credit · B2B | Use |
| 528181 | Bank of America Europe Dac | Mastercard | Credit · Corporate | Use |
The largest issuers in Ireland, one typical Visa or Mastercard BIN each. All 746 BINs with a named issuer are in the Ireland BIN list.
Local card networks in Ireland
Local schemes are where card forms usually break: their prefixes are missing from many brand-detection libraries. These are the domestic networks of Ireland.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| Laser (discontinued) Laser Card Services Limited |
Visa/Mastercard BINs (co-badged) | – | No | Irish debit card scheme from 1996 until 28 February 2014; banks replaced it with Visa Debit or Debit Mastercard, so new Irish cards use Visa or Mastercard numbers. Was co-branded with Maestro. Source |
Card networks and card types in Ireland
Our BIN data lists 831 BINs registered to Ireland, 746 of them with a named issuer across 94 banks. The largest network is Mastercard with 40% of the ranges, followed by UATP (24%). Credit ranges outnumber debit ranges 500 to 331. Mastercard ranges outnumber Visa 1.7 to 1. 136 ranges are prepaid or gift products and 241 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Mastercard | 332 | 40% | 202 | 130 |
| UATP | 200 | 24% | 0 | 200 |
| Visa | 199 | 24% | 69 | 130 |
| Maestro | 58 | 7% | 58 | 0 |
| Diners Club | 28 | 3% | 0 | 28 |
| American Express | 12 | 1% | 0 | 12 |
| Cirrus | 2 | less than 1% | 2 | 0 |
Most common product levels: UATP (200), Standard (82), Prepaid (71), B2B (64), Classic (43).
Largest card issuers in Ireland
The 10 banks with the most BINs in the data, out of 94 named issuers. Together, Aer Lingus (EI), Governor and Company of the Bank of Ireland and Barclaycard International Payments issue 36% of the ranges that name a bank. Click a bank to see every BIN it has in Ireland.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| Aer Lingus (EI) | 200 | UATP | 0% |
| The Governor and Company of the Bank of Ireland | 36 | Visa | 39% |
| Barclaycard International Payments, Ltd. | 30 | Mastercard | 0% |
| Optal Financial Europe, Ltd. | 30 | Mastercard | 0% |
| Chase Paymentech Europe, Ltd. | 26 | Mastercard | 0% |
| Royal Bank of Scotland PLC | 26 | Visa | 100% |
| Eml Money Dac | 22 | Mastercard | 100% |
| Citibank Europe PLC | 21 | Visa | 10% |
| Bank of America Europe Dac | 20 | Mastercard | 20% |
| Allied Irish Banks, P.L.C. | 19 | Visa | 16% |
Payment testing notes for Ireland
- 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 (IE), the IP address and the billing country. Test both: a local BIN from the table, then a BIN from another country.
- Debit vs credit: Only 40% of the BINs from Ireland are debit ranges — fewer than in 35 of the 62 other countries we cover. Debit and credit often follow different rules for refunds, installments and recurring billing, so cover both types.
- Billing details: postcodes in Ireland are Eircode: 7 characters, a 3-character routing key + space + 4-character unique identifier (A65 F4E2 style); identifies each property (e.g. D02 X285); phone numbers use +353 — Mobile numbers start with 08x and always have 10 digits (08x xxx xxxx).
Paying online in Ireland: local methods and gateways
Cards are only part of the picture. These payment methods are popular in Ireland and usually sit next to the card form at checkout:
- Revolut Pay (wallet) — Pay from a Revolut account or linked card in EUR, available to EU customers. Source
- Pay by Bank (bank transfer) — Open-banking payment directly from the customer's bank account, offered to Irish customers. Source
- Klarna (BNPL) — Pay in full or pay in 3; Ireland is a supported customer country. Source
- PayPal (wallet) — PayPal wallet, available to Irish businesses and buyers. Source
Payment gateways developers commonly integrate for Ireland, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Global Payments (formerly Realex Payments) | E-commerce gateway with a public test card page. | Official docs |
| Stripe | Widely used by Irish developers; test cards in its testing docs. | Stripe test cards |
| Checkout.com | European gateway with public sandbox test cards. | Checkout.com test cards |
Card generators for other countries
← Generators for other countries · Ireland 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 an Ireland credit card number for testing?
Yes. Every number on this page starts with a real BIN registered to a bank in Ireland — by default 431938 (The Governor and Company of the Bank of Ireland, Visa debit). The remaining digits are random and the last one is a Luhn check digit. They are test data only: no account sits behind them.
Which card networks are most common in Ireland?
By BIN count in our data: Mastercard 40%, UATP 24%, Visa 24%, Maestro 7%. Debit ranges make up 40% and credit ranges 60%.
Which BINs do Visa cards from Ireland start with?
Examples from different banks: 431938 (The Governor and Company of the Bank of Ireland); 431948 (Royal Bank of Scotland PLC); 415548 (Citibank Europe PLC). See the Ireland BIN list for every bank.
Which currency should I use to test payments from Ireland?
EUR (euro). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). Also test a foreign-currency charge on an Ireland BIN: the issuer converts it, which some checkouts display differently.
Can I use a generated Ireland card number to buy something?
No. They start with real BINs from banks in Ireland such as Governor and Company of the Bank of Ireland, 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 Revolut Pay and PayPal. Testing a checkout? Use your gateway’s sandbox test cards.
How do people pay online in Ireland besides cards?
Revolut Pay: Pay from a Revolut account or linked card in EUR, available to EU customers. Pay by Bank: Open-banking payment directly from the customer's bank account, offered to Irish customers. Klarna: Pay in full or pay in 3; Ireland is a supported customer country.