FakecreditcardReal BINs from banks in Poland
The generator above is preset with BIN 400227, a Visa debit range of mBank, S.A. To test another issuer from Poland, use one of the BINs below: the first six digits stay, the others are random and the last one makes the Luhn check pass.
| 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 |
| 409621 | Powszechna Kasa Oszczednosci Bank Polski SA (PKO Bank Polski SA) | Visa | Debit · Classic | Use |
| 406332 | Bank Polska Kasa Opieki S.A. (Bank Pekao SA) | Visa | Debit · Business | 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 representative Visa/Mastercard range per major bank. All 1,287 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 — 1,287 with a known issuer, from 126 banks. The largest network is Visa with 50% of the ranges, followed by Mastercard (35%). Debit ranges outnumber credit ranges 806 to 655. Visa and Mastercard hold a similar number of ranges. 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 126 named issuers. The three largest issuers — mBank, Santander Bank Polska and BNP Paribas Bank Polska — hold 25% of the BINs with a named bank. 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% |
| Powszechna Kasa Oszczednosci Bank Polski SA (PKO Bank Polski SA) | 88 | Visa | 57% |
| Bank Polska Kasa Opieki S.A. (Bank Pekao SA) | 86 | Visa | 55% |
| 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. | 39 | Mastercard | 56% |
| Velobank, S.A. | 31 | Mastercard | 42% |
Payment testing notes for Poland
- Currency: PLN (Polish zloty). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card authentication: PSD2 strong customer authentication (Delegated Regulation (EU) 2018/389, in effect since 14 September 2019) applies to customer-initiated online card payments in the EEA; cards meet it through 3-D Secure, with exemptions for some low-risk and merchant-initiated payments. Source
- Card country: Many risk engines flag a mismatch between the card's issuing country (PL), the IP address and the billing country. Test both: a local BIN from the table, then a BIN from another country.
- Debit vs credit: At 55% debit ranges, Poland is more debit-heavy than 40 of the 62 other countries on this site. Card type matters for surcharges, installment plans and stored-card billing: test each.
- Billing details: postcodes in Poland are 5 digits written NN-NNN (PNA) (e.g. 00-950); phone numbers use +48 — 9-digit numbers; mobile numbers start with 4, 5, 6, 7 or 8 (xxx xxx xxx).
- BLIK mobile payments are a popular alternative to cards online.
Paying online in Poland: local methods and gateways
Cards are only part of the picture. These payment methods are popular in Poland and usually sit next to the card form at checkout:
- BLIK (wallet) — Poland's mobile payment system: the shopper generates a six-digit code in their banking app, enters it at checkout and confirms in the app (PLN). Source
- Przelewy24 (P24) (bank transfer) — Polish payment aggregator for online bank transfers and other methods via a bank redirect. Source
- PayPo (BNPL) — Polish pay-later option offered in checkouts such as Przelewy24. Source
Payment gateways developers commonly integrate for Poland, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| PayU | Major Polish payment gateway (cards, BLIK, bank transfers) with a public sandbox. | Official docs |
| Przelewy24 | Polish gateway for bank transfers, BLIK and cards; sandbox set up from the merchant panel. | Official docs |
| Tpay | Polish gateway; its sandbox only accepts a fixed set of test cards (e.g. 2223 0002 8000 0016, 4056 2178 4359 7258). | Official docs |
Card generators for other countries
← 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 default prefix is 400227, a Visa debit range of mBank, S.A. The generator adds random digits and a Luhn check digit, plus an expiry date and CVV. Nothing is attached to them, so any real charge is 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.); 409621 (Powszechna Kasa Oszczednosci Bank Polski SA (PKO Bank Polski SA)); 406332 (Bank Polska Kasa Opieki S.A. (Bank Pekao 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.
Can I use a generated Poland card number to buy something?
No. The first six digits are real Poland bank prefixes, the rest is random, so the number belongs to nobody and every live payment fails. For real online payments in Poland, ask your bank for a virtual card or a wallet such as BLIK. Testing a checkout? Use your gateway’s sandbox test cards.
How do people pay online in Poland besides cards?
BLIK: Poland's mobile payment system: the shopper generates a six-digit code in their banking app, enters it at checkout and confirms in the app (PLN). Przelewy24 (P24): Polish payment aggregator for online bank transfers and other methods via a bank redirect. PayPo: Polish pay-later option offered in checkouts such as Przelewy24.