FakecreditcardReal BINs from banks in Italy
The generator above is preset with BIN 513348, a Mastercard debit range of Nexi Payments SPA. 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 |
|---|---|---|---|---|
| 513348 | Nexi Payments SPA | Mastercard | Debit · Prepaid | Use |
| 530514 | Intesa Sanpaolo SPA | Mastercard | Debit · Prepaid | Use |
| 493503 | Deutsche Bank S.P.A. | Visa | Credit · Classic | Use |
| 491688 | SIA S.P.A. | Visa | Credit | Use |
| 510247 | UniCredit SPA | Mastercard | Credit · Standard | Use |
| 516499 | Numia SPA | Mastercard | Debit · Prepaid | Use |
| 520330 | Findomestic Banca SPA | Mastercard | Credit · Standard | Use |
| 404101 | Banca Monte dei Paschi di Siena S.P.A. | Visa | Credit · Classic | Use |
The largest issuers in Italy, one typical Visa or Mastercard BIN each. All 2,194 BINs with a named issuer are in the Italy BIN list.
Local card networks in Italy
A checkout built for Visa and Mastercard often mislabels domestic cards. The schemes below are specific to Italy and worth a test case each.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| PagoBANCOMAT / BANCOMAT Bancomat S.p.A. (formerly Consorzio Bancomat) |
Visa/Mastercard BINs (co-badged) | – | Limited | Italy's domestic debit network, used only in the domestic market; PagoBANCOMAT online payments started in November 2015 via a bank redirect (PagoBANCOMAT WEB), and BANCOMAT Pay (since 2019) lets cardholders pay from a phone app. Usually co-badged with an international brand (Maestro, V PAY, Visa or Mastercard) so the card works abroad and online. Source |
BIN counts for local networks in our dataset:
| Network | About | BINs | Share | Example BIN |
|---|---|---|---|---|
| PagoBancomat | the Italian domestic debit scheme | 162 | 5% | – |
Largest card issuers in Italy
The 10 banks with the most BINs in the data, out of 173 named issuers. Concentration is high: the top three issuers (Nexi Payments, DC Italy and Intesa Sanpaolo) hold 40% of the named BINs. Each bank with ten or more BINs has a page listing all of them.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| Nexi Payments SPA | 529 | Maestro | 68% |
| DC Italy | 218 | Diners Club | 0% |
| Intesa Sanpaolo S.P.A. | 126 | Mastercard | 67% |
| Deutsche Bank S.P.A. | 119 | Visa | 17% |
| SIA S.P.A. | 118 | Maestro | 99% |
| UniCredit S.P.A. | 106 | Mastercard | 41% |
| Istituto Centrale delle Banche di Credito Cooperativo (Iccrea) | 105 | Maestro | 100% |
| AEI Italy Gstar Con Charge | 94 | American Express | 0% |
| Numia SPA | 63 | Mastercard | 60% |
| Findomestic Banca S.P.A. | 59 | Mastercard | 7% |
Card networks and card types in Italy
We count 3,035 card BINs for Italy — 2,194 with a known issuer, from 173 banks. Maestro is the most common network (39% of the BINs), followed by Visa (20%). Debit ranges outnumber credit ranges 1,840 to 1,195. Visa and Mastercard hold a similar number of ranges. 266 ranges are prepaid or gift products and 314 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Maestro | 1,194 | 39% | 1,194 | 0 |
| Visa | 615 | 20% | 211 | 404 |
| Mastercard | 586 | 19% | 251 | 335 |
| Diners Club | 291 | 10% | 0 | 291 |
| PagoBancomat | 162 | 5% | 162 | 0 |
| American Express | 157 | 5% | 0 | 157 |
| Private label | 18 | 1% | 13 | 5 |
| UnionPay | 10 | less than 1% | 8 | 2 |
Most common product levels: Standard (621), Personal (490), Classic (219), Business (142), Prepaid (139).
Payment testing notes for Italy
- 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: Checkouts that route domestic and international cards differently decide by the BIN country. A BIN from Italy tests the domestic route; any foreign BIN tests the cross-border one.
- Debit vs credit: At 61% debit ranges, Italy is more debit-heavy than 46 of the 62 other countries on this site. Card type matters for surcharges, installment plans and stored-card billing: test each.
- Billing details: postcodes in Italy are 5 digits (CAP); the first two usually identify the province (e.g. 00184); phone numbers use +39 — Mobile numbers start with 3 and are generally 10 digits long (3xx xxxxxxx), with no leading 0. Generate Italy test addresses.
Paying online in Italy: local methods and gateways
Cards are only part of the picture. These payment methods are popular in Italy and usually sit next to the card form at checkout:
- Satispay (wallet) — Stored-value mobile wallet popular with Italian customers; the shopper is redirected to Satispay to approve. Source
- BANCOMAT Pay (wallet) — Bancomat's account-to-account mobile payment app, offered by Italian gateways such as Nexi. Source
- MyBank (bank transfer) — Real-time online bank transfer method offered by Italian gateways such as Nexi. Source
- PayPal (wallet) — PayPal wallet, available to Italian businesses and buyers. Source
Payment gateways developers commonly integrate for Italy, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Nexi XPay | Italy's largest payment group; its developer test area lists test cards, with the 3DS outcome chosen during the simulation. | Official docs |
| Stripe | Supports cards and Satispay for Italian customers; test cards in its testing docs. | Stripe test cards |
Card generators for other countries
← Generators for other countries · Italy 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 Italy credit card number for testing?
Yes — it is preset for Italy: numbers begin with 513348 from Nexi Payments SPA and end with a valid Luhn digit, so they pass format checks for an Italy card. They are test data only: no account sits behind them.
Which card networks are most common in Italy?
By BIN count in our data: Maestro 39%, Visa 20%, Mastercard 19%, Diners Club 10%. Local networks: PagoBancomat (162 BINs). Debit ranges make up 61% and credit ranges 39%.
Which BINs do Visa cards from Italy start with?
Examples from different banks: 493503 (Deutsche Bank S.P.A.); 491688 (SIA S.P.A.); 404101 (Banca Monte dei Paschi di Siena S.P.A.). See the Italy BIN list for every bank.
Which currency should I use to test payments from Italy?
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 Italy BIN: the issuer converts it, which some checkouts display differently.
Are these Italy card numbers real? Can I pay with them?
They do not. A generated number only has the right shape; Nexi Payments or any other issuer has never heard of it, so authorization always fails. Real alternatives: a virtual card from a bank in Italy or a wallet such as Satispay and BANCOMAT Pay. Testing a checkout? Use your gateway’s sandbox test cards.
Which payment methods should a checkout for Italy offer next to cards?
Satispay: Stored-value mobile wallet popular with Italian customers; the shopper is redirected to Satispay to approve. BANCOMAT Pay: Bancomat's account-to-account mobile payment app, offered by Italian gateways such as Nexi. MyBank: Real-time online bank transfer method offered by Italian gateways such as Nexi.