FakecreditcardReal BINs from banks in the Philippines
The generator above is preset with BIN 403418, a Visa credit range of Union Bank of the Philippines. 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 |
|---|---|---|---|---|
| 403418 | Union Bank of the Philippines | Visa | Credit · Platinum | Use |
| 512634 | Philippine National Bank | Mastercard | Credit · Standard | Use |
| 512571 | BDO Unibank, Inc. | Mastercard | Credit · Standard | Use |
| 518096 | East West Banking Corporation | Mastercard | Credit · Standard | Use |
| 431170 | Rizal Commercial Banking Corporation | Visa | Credit · Classic | Use |
| 436368 | The Hongkong and Shanghai Banking Corporation, Ltd. | Visa | Debit · Classic | Use |
| 519597 | Metropolitan Bank and Trust Company (Metrobank) | Mastercard | Debit · Standard | Use |
| 524067 | Unionbank of the Philippines | Mastercard | Credit · Platinum | Use |
One BIN per bank — the most common Visa or Mastercard product of each of the largest issuers. All 565 BINs with a named issuer are in the Philippines BIN list.
Card networks and card types in the Philippines
The Philippines has 631 BINs in the dataset; 565 name the issuing bank, spread over 73 issuers. Mastercard is the most common network (39% of the BINs), followed by Visa (36%). Credit ranges outnumber debit ranges 356 to 275. 113 ranges are prepaid or gift products and 80 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Mastercard | 248 | 39% | 88 | 160 |
| Visa | 229 | 36% | 132 | 97 |
| Diners Club | 74 | 12% | 0 | 74 |
| Maestro | 22 | 3% | 22 | 0 |
| UnionPay | 17 | 3% | 12 | 5 |
| American Express | 14 | 2% | 2 | 12 |
| JCB | 12 | 2% | 4 | 8 |
| Local brand | 10 | 2% | 10 | 0 |
Most common product levels: Standard (134), Classic (75), Platinum (62), Prepaid (61), Business (37).
Largest card issuers in the Philippines
The 10 banks with the most BINs in the data, out of 73 named issuers. Each bank with ten or more BINs has a page listing all of them.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| DC Philippines | 63 | Diners Club | 0% |
| Union Bank of the Philippines | 46 | Visa | 48% |
| Philippine National Bank | 37 | Mastercard | 14% |
| BDO Unibank, Inc. | 34 | Mastercard | 47% |
| East West Banking Corporation | 27 | Mastercard | 26% |
| Rizal Commercial Banking Corporation | 27 | Mastercard | 33% |
| The Hongkong and Shanghai Banking Corporation, Ltd. | 24 | Visa | 38% |
| Metropolitan Bank and Trust Company (Metrobank) | 23 | Mastercard | 57% |
| Unionbank of the Philippines | 23 | Mastercard | 26% |
| Bank of the Philippine Islands | 22 | Mastercard | 32% |
Payment testing notes for the Philippines
- Currency: PHP (Philippine peso). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card country: fraud rules often compare the BIN country (PH) with the shopper's IP address and billing address. Generate numbers with a BIN from the Philippines to test the domestic path, and with a foreign BIN to test cross-border rules.
- Debit vs credit: 43% of the BINs from the Philippines are debit ranges. If your checkout treats debit differently (fees, installments, recurring billing), test with a BIN of each type from the table above.
- E-wallets such as GCash and Maya are widely used next to cards, so many checkouts offer them as alternative payment methods.
Generated numbers only pass format checks: network prefix, length and the Luhn checksum. They are not issued by any bank in the Philippines, carry no money and are declined by every real payment system — use them for forms, validation and BIN rules, and switch to your gateway's documented test cards for approvals and declines.
← Generators for other countries · Philippines 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 Philippines credit card number for testing?
Yes. The generator on this page starts every number with a real BIN registered to a bank in the Philippines — by default 403418 (Union Bank of the Philippines, Visa credit). The remaining digits are random and the last one is a Luhn check digit. No bank issued the number, so it carries no account and real payments with it are declined.
Which card networks are most common in Philippines?
By BIN count in our data: Mastercard 39%, Visa 36%, Diners Club 12%, Maestro 3%. Debit ranges make up 44% and credit ranges 56%.
Which BINs do Visa cards from the Philippines start with?
Examples from different banks: 403418 (Union Bank of the Philippines); 431170 (Rizal Commercial Banking Corporation); 436368 (The Hongkong and Shanghai Banking Corporation, Ltd.). See the Philippines BIN list for every bank.
Which currency should I use to test payments from Philippines?
PHP (Philippine peso). 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.
Will these numbers pass a payment gateway?
They pass format checks — length, network prefix and the Luhn checksum — so they are ideal for testing form validation and BIN-based rules. Gateways in test mode want their own documented test cards for approvals and declines; in live mode every generated number is declined because no bank has issued it.