FakecreditcardReal BINs from banks in New Zealand
The generator above is preset with BIN 510753, a Mastercard debit range of Westpac New Zealand, Ltd. 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 |
|---|---|---|---|---|
| 510753 | Westpac New Zealand, Ltd | Mastercard | Debit · Standard | Use |
| 405547 | ANZ Bank New Zealand, Ltd | Visa | Credit · Platinum | Use |
| 412831 | Bank of New Zealand | Visa | Credit · Platinum | Use |
| 402505 | Asb Bank, Ltd | Visa | Credit · Classic | Use |
| 428454 | Kiwibank | Visa | Debit · Classic | Use |
| 538409 | Eml Payment Solutions, Ltd | Mastercard | Debit · Prepaid | Use |
| 485940 | Citibank, National Association | Visa | Credit · Purchasing | Use |
| 510387 | Banzpay Technology, Ltd | Mastercard | Debit · Standard | Use |
The largest issuers in New Zealand, one typical Visa or Mastercard BIN each. All 408 BINs with a named issuer are in the New Zealand BIN list.
Local card networks in New Zealand
New Zealand runs domestic card networks next to Visa and Mastercard. Make sure your brand detection and validation accept their numbers.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| EFTPOS (New Zealand) Paymark network (bank-owned; now operated as Worldline New Zealand / Cuscal Paymark per different sources) |
Visa/Mastercard BINs (co-badged) | – | Limited | New Zealand's PIN-based debit network, in use since the mid-1980s and built for in-store debit payments; 'Online EFTPOS', announced in 2014 and soft-launched in 2017 with ASB and Co-operative Bank, lets people with an NZ bank account pay online without a credit card. No IIN range is published. Bank-issued EFTPOS cards; many NZ debit cards are also Visa or Mastercard debit. Source |
Card networks and card types in New Zealand
New Zealand has 509 BINs in the dataset; 408 name the issuing bank, spread over 47 issuers. The largest network is Visa with 24% of the ranges, followed by Mastercard (20%). Credit ranges outnumber debit ranges 385 to 124. Visa and Mastercard hold a similar number of ranges. 53 ranges are prepaid or gift products and 79 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Visa | 120 | 24% | 45 | 75 |
| Mastercard | 103 | 20% | 44 | 59 |
| UATP | 100 | 20% | 0 | 100 |
| American Express | 100 | 20% | 4 | 96 |
| Diners Club | 52 | 10% | 0 | 52 |
| Maestro | 31 | 6% | 29 | 2 |
| UnionPay | 2 | less than 1% | 1 | 1 |
| Cirrus | 1 | less than 1% | 1 | 0 |
Most common product levels: UATP (100), Personal (58), Classic (40), Standard (40), Business (26).
Largest card issuers in New Zealand
The 10 banks with the most BINs in the data, out of 47 named issuers. Air New Zealand (NZ), American Express and Westpac New Zealand alone account for 48% of the named BINs in New Zealand. Follow a bank name for its complete list of ranges.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| Air New Zealand (NZ) | 100 | UATP | 0% |
| American Express | 55 | American Express | 7% |
| Westpac New Zealand, Ltd. | 40 | Mastercard | 35% |
| ANZ Bank New Zealand, Ltd. | 22 | Visa | 18% |
| Bank of New Zealand | 22 | Visa | 27% |
| Amex New Zealand Globestar Charge | 18 | American Express | 0% |
| Asb Bank, Ltd. | 16 | Visa | 6% |
| Kiwibank, Ltd. | 16 | Visa | 38% |
| AE New Zealand Pegasus | 14 | American Express | 0% |
| Eml Payment Solutions, Ltd. | 11 | Mastercard | 100% |
Payment testing notes for New Zealand
- Currency: NZD (New Zealand dollar). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card authentication: We found no New Zealand regulation that mandates strong customer authentication for online card payments. 3-D Secure (3DS2) is applied by issuers and gateways, driven by card-scheme rules; for example Windcave updated its hosted payment pages for new Visa 3DS requirements. Source
- Card country: Fraud rules often compare the BIN country (NZ) with the shopper's IP address and billing address. Use a BIN from New Zealand for the domestic path and a foreign BIN for cross-border rules.
- Debit vs credit: Debit makes up just 24% of the ranges here, below 60 of the other 62 countries we cover. Card type matters for surcharges, installment plans and stored-card billing: test each.
- Billing details: postcodes in New Zealand are 4 digits (in general use since 2006-2008) (e.g. 6011); phone numbers use +64 — 8 to 10 digits after +64, mobiles start with 2 (written 02X XXX XXXX locally, national trunk prefix 0).
Paying online in New Zealand: local methods and gateways
Cards are only part of the picture. These payment methods are popular in New Zealand and usually sit next to the card form at checkout:
- POLi (bank transfer) — Online bank-transfer checkout; POLi closed in Australia on 30 September 2023 but stays available in New Zealand through the local distributor Merco. Source
- Online EFTPOS (bank transfer) — Paymark's online version of EFTPOS for paying straight from an NZ bank account without a credit card. Source
- Afterpay (BNPL) — Buy now, pay later instalments, available to New Zealand shoppers (Stripe supports it in NZ). Source
Payment gateways developers commonly integrate for New Zealand, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Windcave | Gateway formerly known as Payment Express that supports New Zealand merchant accounts; only its published test card numbers work in test environments, with any future expiry and any 3-digit CVC. | Official docs |
| Stripe New Zealand | Accepts cards and Afterpay for New Zealand businesses. | Official docs |
Card generators for other countries
← Generators for other countries · New Zealand 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 New Zealand credit card number for testing?
Yes — it is preset for New Zealand: numbers begin with 510753 from Westpac New Zealand, Ltd and end with a valid Luhn digit, so they pass format checks for a New Zealand card. No bank issued them, so they carry no account and real payments are declined.
Which card networks are most common in New Zealand?
By BIN count in our data: Visa 24%, Mastercard 20%, UATP 20%, American Express 20%. Debit ranges make up 24% and credit ranges 76%.
Which BINs do Visa cards from New Zealand start with?
Examples from different banks: 405547 (ANZ Bank New Zealand, Ltd); 412831 (Bank of New Zealand); 402505 (Asb Bank, Ltd); 428454 (Kiwibank). See the New Zealand BIN list for every bank.
Which currency should I use to test payments from New Zealand?
NZD (New Zealand dollar). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). Also test a foreign-currency charge on a New Zealand BIN: the issuer converts it, which some checkouts display differently.
Do these New Zealand card numbers work for payments?
No — format only. Banks in New Zealand decline numbers they never issued, which is every generated number. If you need to pay, a bank virtual card is the safe route. Testing a checkout? Use your gateway’s sandbox test cards.
Which payment methods should a checkout for New Zealand offer next to cards?
POLi: Online bank-transfer checkout; POLi closed in Australia on 30 September 2023 but stays available in New Zealand through the local distributor Merco. Online EFTPOS: Paymark's online version of EFTPOS for paying straight from an NZ bank account without a credit card. Afterpay: Buy now, pay later instalments, available to New Zealand shoppers (Stripe supports it in NZ).