FakecreditcardReal BINs from banks in Portugal
The generator above is preset with BIN 410000, a Visa credit range of Banco Comercial Portugues, S.A. Click "Use" next to any other bank to switch; the BIN stays fixed while the rest of the Visa number is random, closed by a Luhn digit.
| BIN | Issuer | Network | Type · level | Use this BIN |
|---|---|---|---|---|
| 410000 | Banco Comercial Portugues, S.A. | Visa | Credit · Classic | Use |
| 411635 | Unicre - Instituicao Financeira de Credito, S.A. | Visa | Credit · Classic | Use |
| 400190 | Banco Santander Totta, S.A. | Visa | Credit · Classic | Use |
| 412486 | Caixa Geral de Depositos, S.A. | Visa | Credit · Classic | Use |
| 403541 | Novo Banco, S.A. | Visa | Credit · Classic | Use |
| 415403 | Banco BPI | Visa | Credit · Classic | Use |
| 518032 | Caixa Central de Credito Agricola Mutuo | Mastercard | Debit · Platinum | Use |
| 410344 | Caixa Economica Montepio Geral | Visa | Credit · Classic | Use |
The largest issuers in Portugal, one typical Visa or Mastercard BIN each. All 523 BINs with a named issuer are in the Portugal BIN list.
Local card networks in Portugal
Besides the international networks, Portugal has its own card scheme. Its numbers often use prefixes that a Visa/Mastercard-only form rejects or labels wrongly, so test them on purpose.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| Multibanco (MB) SIBS (Sociedade Interbancária de Serviços S.A.), controlled by its member banks |
Visa/Mastercard BINs (co-badged) | – | Limited | Portugal's interbank network (ATMs and domestic card payments); for online shopping, MB NET creates virtual cards on the card's international scheme (Visa, Mastercard or American Express), and Multibanco references let shoppers pay by bank transfer. Usually: Portuguese debit cards carry the MB brand next to Visa or Mastercard, which is what online shops see. Source |
Largest card issuers in Portugal
The 10 banks with the most BINs in the data, out of 63 named issuers. Banco Comercial Portugues, Unicre - Instituicao Financeira de Credito and Banco Santander Totta alone account for 38% of the named BINs in Portugal. Follow a bank name for its complete list of ranges.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| Banco Comercial Portugues, S.A. | 81 | Visa | 32% |
| Unicre - Instituicao Financeira de Credito, S.A. | 62 | Visa | 16% |
| Banco Santander Totta, S.A. | 55 | Visa | 51% |
| Caixa Geral de Depositos, S.A. | 39 | Visa | 49% |
| Novo Banco | 38 | Visa | 32% |
| American Express | 17 | American Express | 0% |
| Banco BPI | 17 | Visa | 41% |
| Caixa Central de Credito Agricola Mutuo | 16 | Mastercard | 56% |
| Caixa Economica Montepio Geral | 14 | Visa | 29% |
| Banco Santander Portugal | 12 | Visa | 50% |
Card networks and card types in Portugal
Portugal has 643 BINs in the dataset; 523 name the issuing bank, spread over 63 issuers. Visa is the most common network (54% of the BINs), followed by Maestro (20%). Credit ranges outnumber debit ranges 340 to 303. Visa ranges outnumber Mastercard 3 to 1. 36 ranges are prepaid or gift products and 85 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Visa | 348 | 54% | 125 | 223 |
| Maestro | 128 | 20% | 128 | 0 |
| Mastercard | 117 | 18% | 44 | 73 |
| American Express | 37 | 6% | 0 | 37 |
| UnionPay | 9 | 1% | 4 | 5 |
| Diners Club | 2 | less than 1% | 0 | 2 |
| Local brand | 1 | less than 1% | 1 | 0 |
| Private label | 1 | less than 1% | 1 | 0 |
Most common product levels: Standard (153), Classic (131), Gold (76), Business (59), Electron (45).
Payment testing notes for Portugal
- Currency: EUR (euro). 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: Fraud rules often compare the BIN country (PT) with the shopper's IP address and billing address. Use a BIN from Portugal for the domestic path and a foreign BIN for cross-border rules.
- Debit vs credit: 47% of the BINs from Portugal are debit ranges — a higher share than in 37 of the 62 other countries we cover. Debit and credit often follow different rules for refunds, installments and recurring billing, so cover both types.
- Billing details: postcodes in Portugal are 7 digits written NNNN-NNN (e.g. 1100-148); phone numbers use +351 — 9-digit numbers; mobile numbers start with 91, 92, 93 or 96 (9x xxx xxxx).
- Multibanco references and MB WAY are common alternatives to cards at Portuguese checkouts.
Paying online in Portugal: local methods and gateways
Cards are only part of the picture. These payment methods are popular in Portugal and usually sit next to the card form at checkout:
- MB WAY (wallet) — Portuguese wallet: the shopper enters their phone number and approves the payment in the MB WAY app. Source
- Multibanco reference (cash voucher) — Voucher with entity and reference numbers that the shopper pays by bank transfer in online banking or at a Multibanco ATM. Source
- Klarna (BNPL) — Pay in full, pay later or pay in 3; Portugal is a supported customer country. Source
Payment gateways developers commonly integrate for Portugal, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| easypay | Portuguese payment provider for cards, MB WAY, Multibanco, Apple Pay and Google Pay, with a sandbox account. | Official docs |
| ifthenpay | Portuguese provider of Multibanco references, MB WAY and other methods; test keys on request. | Official docs |
| Stripe | Supports cards, MB WAY and Multibanco for Portuguese customers; test cards in its testing docs. | Stripe test cards |
Card generators for other countries
← Generators for other countries · Portugal 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 Portugal credit card number for testing?
Yes. Every number on this page starts with a real BIN registered to a bank in Portugal — by default 410000 (Banco Comercial Portugues, S.A, Visa credit). The remaining digits are random and the last one is a Luhn check digit. They are test data only: no account sits behind them.
Which card networks are most common in Portugal?
By BIN count in our data: Visa 54%, Maestro 20%, Mastercard 18%, American Express 6%. Debit ranges make up 47% and credit ranges 53%.
Which BINs do Visa cards from Portugal start with?
Examples from different banks: 410000 (Banco Comercial Portugues, S.A.); 411635 (Unicre - Instituicao Financeira de Credito, S.A.); 400190 (Banco Santander Totta, S.A.); 412486 (Caixa Geral de Depositos, S.A.). See the Portugal BIN list for every bank.
Which currency should I use to test payments from Portugal?
EUR (euro). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). Also test a foreign-currency charge on a Portugal BIN: the issuer converts it, which some checkouts display differently.
Do these Portugal card numbers work for payments?
They do not. A generated number only has the right shape; Banco Comercial Portugues or any other issuer has never heard of it, so authorization always fails. Real alternatives: a virtual card from a bank in Portugal or a wallet such as MB WAY. Testing a checkout? Use your gateway’s sandbox test cards.
Which payment methods should a checkout for Portugal offer next to cards?
MB WAY: Portuguese wallet: the shopper enters their phone number and approves the payment in the MB WAY app. Multibanco reference: Voucher with entity and reference numbers that the shopper pays by bank transfer in online banking or at a Multibanco ATM. Klarna: Pay in full, pay later or pay in 3; Portugal is a supported customer country.