FakecreditcardReal BINs from banks in Peru
The generator above is preset with BIN 405893, a Visa debit range of Unibanca, S.A. 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 |
|---|---|---|---|---|
| 405893 | Unibanca, S.A. | Visa | Debit · Prepaid Classic | Use |
| 424137 | Scotiabank Peru S.A.A. | Visa | Credit · Classic | Use |
| 402160 | Banco de Credito del Peru | Visa | Credit · Classic | Use |
| 404208 | Banco BBVA Peru | Visa | Credit · Classic | Use |
| 411093 | Interbank - Banco Internacional del Peru | Visa | Credit · Classic | Use |
| 400657 | Procesos de Medios de Pago, S.A. | Visa | Debit · Prepaid Classic | Use |
| 410334 | Banco Interamericano de Finanzas, S.A. | Visa | Credit · Classic | Use |
| 522494 | Banco Internacional del Peru | Mastercard | Debit · Prepaid | Use |
One representative Visa/Mastercard range per major bank. All 531 BINs with a named issuer are in the Peru BIN list.
Largest card issuers in Peru
The 10 banks with the most BINs in the data, out of 69 named issuers. DC Peru, Unibanca and Scotiabank Peru S.A.A. alone account for 38% of the named BINs in Peru. Banks with ten or more BINs link to their full BIN list.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| DC Peru | 97 | Diners Club | 1% |
| Unibanca, S.A. | 55 | Visa | 87% |
| Scotiabank Peru S.A.A. | 51 | Visa | 27% |
| Banco de Credito del Peru | 42 | Visa | 14% |
| Banco BBVA Peru | 28 | Visa | 25% |
| Interbank - Banco Internacional del Peru | 24 | Visa | 33% |
| Procesos de Medios de Pago, S.A. | 16 | Mastercard | 81% |
| Banco Interamericano de Finanzas, S.A. | 14 | Visa | 21% |
| Banco Internacional del Peru | 12 | Mastercard | 42% |
| Banco Ripley, S.A. | 9 | Mastercard | 22% |
Card networks and card types in Peru
Peru has 597 BINs in the dataset; 531 name the issuing bank, spread over 69 issuers. The largest network is Visa with 50% of the ranges, followed by Mastercard (22%). Credit ranges outnumber debit ranges 377 to 220. Visa ranges outnumber Mastercard 2.2 to 1. 101 ranges are prepaid or gift products and 69 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Visa | 301 | 50% | 127 | 174 |
| Mastercard | 134 | 22% | 62 | 72 |
| Diners Club | 108 | 18% | 0 | 108 |
| Maestro | 27 | 5% | 27 | 0 |
| American Express | 23 | 4% | 0 | 23 |
| Private label | 3 | 1% | 3 | 0 |
| Discover | 1 | less than 1% | 1 | 0 |
Most common product levels: Classic (107), Personal (104), Standard (76), Gold (44), Prepaid (40).
Payment testing notes for Peru
- Currency: PEN (Peruvian sol). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card country: Checkouts that route domestic and international cards differently decide by the BIN country. A BIN from Peru tests the domestic route; any foreign BIN tests the cross-border one.
- Debit vs credit: At 37% debit ranges, Peru leans towards credit: 43 of the other 62 countries on this site have a higher debit share. If your checkout treats debit differently (fees, installments, recurring billing), test a BIN of each type from the table above.
- Billing details: postcodes in Peru are 5 digits (e.g. 15001); phone numbers use +51 — 9-digit mobiles starting with 9; landlines are area code + 6 digits (Lima: 1 + 7 digits).
Paying online in Peru: local methods and gateways
Cards are only part of the picture. These payment methods are popular in Peru and usually sit next to the card form at checkout:
- Yape (wallet) — BCP's digital wallet (launched 2017), interoperable with Plin since 2023 under the BCRP strategy. Source
- Plin (wallet) — Wallet run by BBVA, Scotiabank and Interbank; payments by phone number or QR. Source
- PagoEfectivo (cash voucher) — Generates a payment code paid in cash at agents or via online banking. Source
Payment gateways developers commonly integrate for Peru, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Niubiz | Peruvian card acquirer; test credentials and simulation cards are provided on request. | – |
| Culqi | Peruvian online payments PSP with official SDKs and test cards for integration testing. | – |
| PayU Latam | Publishes Peru test cards (Visa, Mastercard, Amex, Diners). | Official docs |
| Mercado Pago | Available in Peru with country-specific test cards. | Mercado Pago test cards |
Card generators for other countries
← Generators for other countries · Peru 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 Peru credit card number for testing?
Yes. Every number on this page starts with a real BIN registered to a bank in Peru — by default 405893 (Unibanca, S.A, Visa debit). 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 Peru?
By BIN count in our data: Visa 50%, Mastercard 22%, Diners Club 18%, Maestro 5%. Debit ranges make up 37% and credit ranges 63%.
Which BINs do Visa cards from Peru start with?
Examples from different banks: 405893 (Unibanca, S.A.); 424137 (Scotiabank Peru S.A.A.); 402160 (Banco de Credito del Peru); 404208 (Banco BBVA Peru). See the Peru BIN list for every bank.
Which currency should I use to test payments from Peru?
PEN (Peruvian sol). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). If you sell abroad, test PEN and your settlement currency — cards from Peru work with both.
Are these Peru card numbers real? Can I pay with them?
They do not. A generated number only has the right shape; Unibanca or any other issuer has never heard of it, so authorization always fails. Real alternatives: a virtual card from a bank in Peru or a wallet such as Yape and Plin. Testing a checkout? Use your gateway’s sandbox test cards.
How do people pay online in Peru besides cards?
Yape: BCP's digital wallet (launched 2017), interoperable with Plin since 2023 under the BCRP strategy. Plin: Wallet run by BBVA, Scotiabank and Interbank; payments by phone number or QR. PagoEfectivo: Generates a payment code paid in cash at agents or via online banking.