FakecreditcardReal BINs from banks in Poland
The generator above is preset with BIN 400227, a Visa debit range of mBank, S.A. 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 |
|---|---|---|---|---|
| 400227 | mBank, S.A. | Visa | Debit · Classic | Use |
| 417223 | Santander Bank Polska, S.A. | Visa | Debit · Classic | Use |
| 512317 | BNP Paribas Bank Polska, S.A. | Mastercard | Credit · Standard | Use |
| 406332 | Bank Polska Kasa Opieki S.A. (Bank Pekao SA) | Visa | Debit · Business | Use |
| 409621 | Powszechna Kasa Oszczednosci Bank Polski SA (PKO Bank Polski SA) | Visa | Debit · Classic | Use |
| 510259 | Alior Bank Spolka Akcyjna | Mastercard | Debit · Standard | Use |
| 417281 | Bank Handlowy W Warszawie, S.A. | Visa | Credit · Business | Use |
| 427756 | ING Bank Slaski, S.A. | Visa | Debit · Business | Use |
One BIN per bank — the most common Visa or Mastercard product of each of the largest issuers. All 1,288 BINs with a named issuer are in the Poland BIN list.
Card networks and card types in Poland
We count 1,461 card BINs for Poland — 1,288 with a known issuer, from 129 banks. The largest network is Visa with 50% of the ranges, followed by Mastercard (35%). Debit ranges outnumber credit ranges 806 to 655. 86 ranges are prepaid or gift products and 362 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Visa | 727 | 50% | 395 | 332 |
| Mastercard | 511 | 35% | 236 | 275 |
| Maestro | 173 | 12% | 173 | 0 |
| Diners Club | 36 | 2% | 0 | 36 |
| American Express | 11 | 1% | 0 | 11 |
| Private label | 3 | less than 1% | 2 | 1 |
Most common product levels: Standard (319), Business (299), Classic (275), Gold (105), Electron (54).
Largest card issuers in Poland
The 10 banks with the most BINs in the data, out of 129 named issuers. Each bank with ten or more BINs has a page listing all of them.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| mBank, S.A. | 125 | Visa | 65% |
| Santander Bank Polska, S.A. | 102 | Visa | 56% |
| BNP Paribas Bank Polska, S.A. | 97 | Mastercard | 34% |
| Bank Polska Kasa Opieki S.A. (Bank Pekao SA) | 86 | Visa | 55% |
| Powszechna Kasa Oszczednosci Bank Polski SA (PKO Bank Polski SA) | 54 | Visa | 63% |
| Alior Bank Spolka Akcyjna | 52 | Mastercard | 58% |
| Bank Handlowy W Warszawie, S.A. | 46 | Visa | 41% |
| ING Bank Slaski, S.A. | 46 | Visa | 61% |
| SGB-Bank, S.A. | 37 | Mastercard | 59% |
| Powszechna Kasa Oszczednosci Bank Polski S.A. (PKO Bank Polski S.A.) | 34 | Mastercard | 47% |
Payment testing notes for Poland
- Currency: PLN (Polish zloty). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Strong Customer Authentication: as an EEA country, PSD2 rules require two-factor authentication for most online card payments — test 3-D Secure challenges in your gateway's sandbox.
- Card country: fraud rules often compare the BIN country (PL) with the shopper's IP address and billing address. Generate numbers with a BIN from Poland to test the domestic path, and with a foreign BIN to test cross-border rules.
- Debit vs credit: 55% of the BINs from Poland are debit ranges. If your checkout treats debit differently (fees, installments, recurring billing), test with a BIN of each type from the table above.
- BLIK mobile payments are a popular alternative to cards online.
Generated numbers only pass format checks: network prefix, length and the Luhn checksum. They are not issued by any bank in Poland, 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 · Poland 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 Poland credit card number for testing?
Yes. The generator on this page starts every number with a real BIN registered to a bank in Poland — by default 400227 (mBank, S.A, Visa debit). 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 Poland?
By BIN count in our data: Visa 50%, Mastercard 35%, Maestro 12%, Diners Club 2%. Debit ranges make up 55% and credit ranges 45%.
Which BINs do Visa cards from Poland start with?
Examples from different banks: 400227 (mBank, S.A.); 417223 (Santander Bank Polska, S.A.); 406332 (Bank Polska Kasa Opieki S.A. (Bank Pekao SA)); 409621 (Powszechna Kasa Oszczednosci Bank Polski SA (PKO Bank Polski SA)). See the Poland BIN list for every bank.
Which currency should I use to test payments from Poland?
PLN (Polish zloty). 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.