FakecreditcardReal BINs from banks in Malaysia
The generator above is preset with BIN 405710, a Visa credit range of United Overseas Bank (Malaysia) Bhd. 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 |
|---|---|---|---|---|
| 405710 | United Overseas Bank (Malaysia) Bhd | Visa | Credit · Platinum | Use |
| 407284 | Hong Leong Bank Berhad | Visa | Debit · Classic | Use |
| 400271 | RHB Bank Berhad | Visa | Debit · Classic | Use |
| 484218 | Maybank | Visa | Credit | Use |
| 436500 | Malayan Banking Berhad | Visa | Credit · Infinite | Use |
| 443208 | Public Bank Berhad | Visa | Credit · Platinum | Use |
| 403148 | AmBank (M) Berhad | Visa | Credit · Signature | Use |
| 512089 | HSBC Bank Malaysia Berhad | Mastercard | Credit · World | Use |
The largest issuers in Malaysia, one typical Visa or Mastercard BIN each. All 802 BINs with a named issuer are in the Malaysia BIN list.
Local card networks in Malaysia
Local schemes are where card forms usually break: their prefixes are missing from many brand-detection libraries. These are the domestic networks of Malaysia.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| MyDebit Payments Network Malaysia (PayNet) |
Visa/Mastercard BINs (co-badged) | – | Limited | Malaysia's domestic debit card scheme, letting bank ATM cards pay at point of sale; PayNet added tokenisation and 'MyDebit Secure CNP' (3-D Secure style verification) for online purchases. No IIN range is published: MyDebit cards keep their issuing bank's BIN. No public source states it; many Malaysian ATM/debit cards also carry Visa or Mastercard. Source |
Card networks and card types in Malaysia
We count 984 card BINs for Malaysia — 802 with a known issuer, from 69 banks. The largest network is Visa with 37% of the ranges, followed by Mastercard (30%). Credit ranges outnumber debit ranges 708 to 264. Visa and Mastercard hold a similar number of ranges. 60 ranges are prepaid or gift products and 130 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Visa | 360 | 37% | 110 | 238 |
| Mastercard | 300 | 30% | 102 | 198 |
| Diners Club | 122 | 12% | 0 | 122 |
| UATP | 100 | 10% | 0 | 100 |
| American Express | 48 | 5% | 4 | 44 |
| Maestro | 36 | 4% | 36 | 0 |
| UnionPay | 12 | 1% | 7 | 5 |
| Local brand | 4 | less than 1% | 4 | 0 |
Most common product levels: Standard (159), Platinum (125), UATP (100), Gold (86), Classic (79).
Largest card issuers in Malaysia
The 10 banks with the most BINs in the data, out of 69 named issuers. Together, Malaysia Airlines (MH), United Overseas Bank (Malaysia) and Hong Leong Bank issue 30% of the ranges that name a bank. Banks with ten or more BINs link to their full BIN list.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| Malaysia Airlines (MH) | 100 | UATP | 0% |
| United Overseas Bank (Malaysia) Bhd | 91 | Visa | 10% |
| Hong Leong Bank Berhad | 49 | Visa | 27% |
| RHB Bank Berhad | 45 | Visa | 36% |
| Maybank | 44 | American Express | 7% |
| Malayan Banking Berhad | 41 | Mastercard | 29% |
| Public Bank Berhad | 38 | Visa | 29% |
| AmBank (M) Berhad | 37 | Mastercard | 22% |
| HSBC Bank Malaysia Berhad | 37 | Mastercard | 27% |
| CIMB Bank Berhad | 36 | Mastercard | 19% |
Payment testing notes for Malaysia
- Currency: MYR (Malaysian ringgit). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card authentication: Online card payments in Malaysia use 3-D Secure, and since Bank Negara Malaysia's September 2022 anti-scam measures banks have been moving from SMS OTPs to in-app approval (e.g. Maybank moved all online card transactions to Secure2u from 1 July 2023). Source
- Card country: Many risk engines flag a mismatch between the card's issuing country (MY), the IP address and the billing country. Test both: a local BIN from the table, then a BIN from another country.
- Debit vs credit: Debit makes up just 27% of the ranges here, below 57 of the other 62 countries we cover. If your checkout treats debit differently (fees, installments, recurring billing), test a BIN of each type from the table above.
- Billing details: postcodes in Malaysia are 5 digits (e.g. 50000); phone numbers use +60 — 9 or 10 digits after +60, mobiles start with 1 (written 01X-XXX XXXX locally, national trunk prefix 0).
- MyDebit is the domestic debit scheme, and FPX online banking payments are a common alternative to cards.
Paying online in Malaysia: local methods and gateways
Cards are only part of the picture. These payment methods are popular in Malaysia and usually sit next to the card form at checkout:
- FPX (bank transfer) — PayNet's direct-to-bank internet payment gateway for paying online from savings or current accounts. Source
- DuitNow QR (QR) — Malaysia's national QR standard: one merchant QR accepts payment from any participating bank or e-wallet app. Source
- Touch 'n Go eWallet (wallet) — Malaysian e-wallet offered by gateways (Stripe lists it as an external method). Source
- GrabPay (wallet) — Grab's wallet; shoppers are redirected to GrabPay and confirm with an OTP (MYR and SGD). Source
Payment gateways developers commonly integrate for Malaysia, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| iPay88 | Malaysian payment gateway (cards and local methods) with a sandbox mode; test accounts are issued by iPay88. | – |
| Billplz | Malaysian FPX-focused payment API with a separate sandbox (billplz-sandbox.com) that has test bank codes. | – |
| Stripe Malaysia | Supports cards, FPX and GrabPay for Malaysia-based businesses. | Official docs |
Card generators for other countries
← Generators for other countries · Malaysia 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 Malaysia credit card number for testing?
Yes. Pick a bank from Malaysia (the default is United Overseas Bank (Malaysia) Bhd, BIN 405710) and the tool builds Luhn-valid numbers on that prefix, with expiry and CVV. They are test data only: no account sits behind them.
Which card networks are most common in Malaysia?
By BIN count in our data: Visa 37%, Mastercard 30%, Diners Club 12%, UATP 10%. Debit ranges make up 27% and credit ranges 72%.
Which BINs do Visa cards from Malaysia start with?
Examples from different banks: 405710 (United Overseas Bank (Malaysia) Bhd); 407284 (Hong Leong Bank Berhad); 400271 (RHB Bank Berhad); 484218 (Maybank). See the Malaysia BIN list for every bank.
Which currency should I use to test payments from Malaysia?
MYR (Malaysian ringgit). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). Also test a foreign-currency charge on a Malaysia BIN: the issuer converts it, which some checkouts display differently.
Can I use a generated Malaysia card number to buy something?
No. The first six digits are real Malaysia bank prefixes, the rest is random, so the number belongs to nobody and every live payment fails. For real online payments in Malaysia, ask your bank for a virtual card or a wallet such as Touch 'n Go eWallet and GrabPay. Testing a checkout? Use your gateway’s sandbox test cards.
Which payment methods should a checkout for Malaysia offer next to cards?
FPX: PayNet's direct-to-bank internet payment gateway for paying online from savings or current accounts. DuitNow QR: Malaysia's national QR standard: one merchant QR accepts payment from any participating bank or e-wallet app. Touch 'n Go eWallet: Malaysian e-wallet offered by gateways (Stripe lists it as an external method).