FakecreditcardReal BINs from banks in the Netherlands
The generator above is preset with BIN 520953, a Mastercard credit range of Cooperatieve Rabobank U.A. 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 |
|---|---|---|---|---|
| 520953 | Cooperatieve Rabobank U.A. | Mastercard | Credit · Standard | Use |
| 555220 | ING Bank, N.V. | Mastercard | Credit · Corporate Purchasing | Use |
| 400850 | International Card Services B.V. | Visa | Credit | Use |
| 223366 | Optal Financial Europe, Ltd | Mastercard | Credit · B2B | Use |
| 429777 | ABN AMRO Bank, N.V. | Visa | Credit | Use |
| 528459 | De Volksbank, N.V. | Mastercard | Debit · Standard | Use |
| 402769 | Worldline | Visa | Credit | Use |
| 512640 | Bunq B.V. | Mastercard | Debit · Business | Use |
One representative Visa/Mastercard range per major bank. All 720 BINs with a named issuer are in the Netherlands BIN list.
Card networks and card types in the Netherlands
The Netherlands has 953 BINs in the dataset; 720 name the issuing bank, spread over 73 issuers. Maestro is the most common network (49% of the BINs), followed by Mastercard (17%). Debit ranges outnumber credit ranges 574 to 379. Visa and Mastercard hold a similar number of ranges. 52 ranges are prepaid or gift products and 164 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Maestro | 468 | 49% | 468 | 0 |
| Mastercard | 163 | 17% | 38 | 125 |
| Visa | 152 | 16% | 67 | 85 |
| American Express | 119 | 12% | 0 | 119 |
| Diners Club | 47 | 5% | 0 | 47 |
| Private label | 2 | less than 1% | 0 | 2 |
| UnionPay | 2 | less than 1% | 1 | 1 |
Most common product levels: Standard (331), Personal (220), Corporate (40), Business (37), B2B (28).
Largest card issuers in the Netherlands
The 10 banks with the most BINs in the data, out of 73 named issuers. Together, ING, Paysquare SE and Amex Netherlands Consumer issue 40% 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 |
|---|---|---|---|
| ING | 99 | Maestro | 100% |
| Paysquare SE | 96 | Maestro | 100% |
| Amex Netherlands Consumer | 92 | American Express | 0% |
| Cooperatieve Rabobank U.A. | 60 | Maestro | 90% |
| ING Bank, N.V. | 43 | Mastercard | 33% |
| International Card Services B.V. | 40 | Visa | 8% |
| Optal Financial Europe, Ltd. | 39 | Mastercard | 13% |
| ABN AMRO Bank N.V | 28 | Maestro | 57% |
| De Volksbank, N.V. | 24 | Maestro | 96% |
| Worldline, S.A. | 22 | Maestro | 55% |
Payment testing notes for the Netherlands
- 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: Fraud rules often compare the BIN country (NL) with the shopper's IP address and billing address. Use a BIN from the Netherlands for the domestic path and a foreign BIN for cross-border rules.
- Debit vs credit: At 60% debit ranges, the Netherlands is more debit-heavy than 44 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 the Netherlands are 4 digits + space + 2 letters (postcode plus house number identifies an address) (e.g. 1012 JS); phone numbers use +31 — Mobile numbers start with 06 and always have 10 digits (06 xx xx xx xx). Generate Netherlands test addresses.
- iDEAL bank payments are the most common online payment method, so card checkouts usually sit next to it.
Paying online in Netherlands: local methods and gateways
Cards are only part of the picture. These payment methods are popular in the Netherlands and usually sit next to the card form at checkout:
- iDEAL | Wero (bank transfer) — The main Dutch online payment method: a bank redirect payment for Dutch customers in EUR, now co-branded with Wero; every payment is authenticated by the customer. Source
- Klarna (BNPL) — Pay later or in instalments, available to Dutch customers. Source
- SEPA Direct Debit (automatische incasso) (bank transfer) — Debit from a euro IBAN under a signed mandate, common for subscriptions. Source
- PayPal (wallet) — PayPal wallet, available to Dutch businesses and buyers. Source
Payment gateways developers commonly integrate for the Netherlands, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Mollie | Amsterdam-based payment provider; test mode with test cards and simulated iDEAL payments. | Mollie test cards |
| Adyen | Amsterdam-based global payment platform with a public test card list. | Adyen test cards |
| MultiSafepay | Dutch payment service provider with a testing page of test cards and payment method test data. | Official docs |
Card generators for other countries
← Generators for other countries · Netherlands 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 Netherlands credit card number for testing?
Yes. Every number on this page starts with a real BIN registered to a bank in the Netherlands — by default 520953 (Cooperatieve Rabobank U.A, Mastercard credit). The remaining digits are random and the last one is a Luhn check digit. No bank issued them, so they carry no account and real payments are declined.
Which card networks are most common in Netherlands?
By BIN count in our data: Maestro 49%, Mastercard 17%, Visa 16%, American Express 12%. Debit ranges make up 60% and credit ranges 40%.
Which BINs do Visa cards from the Netherlands start with?
Examples from different banks: 400850 (International Card Services B.V.); 429777 (ABN AMRO Bank, N.V.); 402769 (Worldline). See the Netherlands BIN list for every bank.
Which currency should I use to test payments from Netherlands?
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.
Is a generated Netherlands card number a real card?
They do not. A generated number only has the right shape; Cooperatieve Rabobank U.A. or any other issuer has never heard of it, so authorization always fails. Real alternatives: a virtual card from a bank in the Netherlands or a wallet such as PayPal. Testing a checkout? Use your gateway’s sandbox test cards.
Which payment methods should a checkout for Netherlands offer next to cards?
iDEAL | Wero: The main Dutch online payment method: a bank redirect payment for Dutch customers in EUR, now co-branded with Wero; every payment is authenticated by the customer. Klarna: Pay later or in instalments, available to Dutch customers. SEPA Direct Debit (automatische incasso): Debit from a euro IBAN under a signed mandate, common for subscriptions.