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 |
| 520315 | Bank of the Philippine Islands | Mastercard | Credit · Standard | Use |
The largest issuers in the Philippines, one typical Visa or Mastercard BIN each. All 565 BINs with a named issuer are in the Philippines BIN list.
Local card networks in Philippines
A checkout built for Visa and Mastercard often mislabels domestic cards. The schemes below are specific to the Philippines and worth a test case each.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| BancNet BancNet, Inc. (interbank network owned by Philippine banks) |
Visa/Mastercard BINs (co-badged) | – | Limited | The Philippines' main domestic ATM/POS network; its Internet Payment Gateway lets shoppers pay online from ATM/debit accounts with their card PIN, and BancNet also operates the InstaPay and QR Ph switching. No public IIN range: cards keep their issuing bank's BIN. Member banks' ATM/debit cards; many are also co-badged with Visa or Mastercard. Source |
Card networks and card types in the Philippines
The Philippines has 631 BINs in the dataset; 565 name the issuing bank, spread over 70 issuers. Mastercard is the most common network (39% of the BINs), followed by Visa (36%). Credit ranges outnumber debit ranges 356 to 275. Visa and Mastercard hold a similar number of ranges. 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 70 named issuers. Together, Union Bank of the Philippines, DC Philippines and Philippine National Bank issue 30% of the ranges that name a bank. Follow a bank name for its complete list of ranges.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| Union Bank of the Philippines | 69 | Visa | 41% |
| DC Philippines | 63 | Diners Club | 0% |
| 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% |
| Bank of the Philippine Islands | 22 | Mastercard | 32% |
| Security Bank Corporation | 16 | Mastercard | 31% |
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 authentication: BSP Circular No. 1213 (2025, under the Anti-Financial Account Scamming Act) requires larger banks and e-wallets to stop using SMS and email OTPs to authenticate high-risk actions, including card payments, and to move to biometric, behavioural or passwordless methods by June 2026. Source
- Card country: Checkouts that route domestic and international cards differently decide by the BIN country. A BIN from the Philippines tests the domestic route; any foreign BIN tests the cross-border one.
- Debit vs credit: At 44% debit ranges, the Philippines leans towards credit: 31 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 the Philippines are 4 digits (e.g. 1000); phone numbers use +63 — 10-digit mobile number after +63, mobiles mostly start with 9 (national trunk prefix 0, written 09xx locally). Generate Philippines test addresses.
- E-wallets such as GCash and Maya are widely used next to cards, so many checkouts offer them as alternative payment methods.
Paying online in Philippines: local methods and gateways
Cards are only part of the picture. These payment methods are popular in the Philippines and usually sit next to the card form at checkout:
- GCash (wallet) — G-Xchange, Inc.'s e-wallet, an InstaPay and QR Ph participant; gateways such as PayMongo offer it as a redirect checkout. Source
- Maya (wallet) — Maya Philippines' e-wallet (Maya Bank is a separate digital bank), also on InstaPay and QR Ph. Source
- QR Ph (QR) — The national interoperable QR standard (BSP Circular No. 1055); merchant (P2M) payments settle through InstaPay. Source
- InstaPay / PESONet (bank transfer) — InstaPay is the 24/7 real-time transfer rail (live since April 2018) and PESONet the batch transfer rail (November 2017). Source
Payment gateways developers commonly integrate for the Philippines, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| PayMongo | Philippine PSP for cards, GCash, Maya, GrabPay and ShopeePay; its test mode mirrors the live API and lists test cards for each outcome. | Official docs |
| Xendit (Philippines) | Regional PSP that serves the Philippines as well as Indonesia; publishes test cards with 3DS scenarios. | Official docs |
| PesoPay (AsiaPay) | Philippine payment service that accepts BancNet ATM card payments online as well as credit cards. | – |
Card generators for other countries
← 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. Every number on this page starts 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 them, so they carry no account and real payments 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). If you sell abroad, test PHP and your settlement currency — cards from the Philippines work with both.
Do these Philippines card numbers work for payments?
No. The first six digits are real Philippines bank prefixes, the rest is random, so the number belongs to nobody and every live payment fails. For real online payments in the Philippines, ask your bank for a virtual card or a wallet such as GCash and Maya. Testing a checkout? Use your gateway’s sandbox test cards.
Which payment methods should a checkout for Philippines offer next to cards?
GCash: G-Xchange, Inc.'s e-wallet, an InstaPay and QR Ph participant; gateways such as PayMongo offer it as a redirect checkout. Maya: Maya Philippines' e-wallet (Maya Bank is a separate digital bank), also on InstaPay and QR Ph. QR Ph: The national interoperable QR standard (BSP Circular No. 1055); merchant (P2M) payments settle through InstaPay.