FakecreditcardReal BINs from banks in the United Arab Emirates
The generator above is preset with BIN 414965, a Visa credit range of First Abu Dhabi Bank (PJSC). Each row below is a different bank. Switching keeps that bank's prefix, randomizes the middle digits and recomputes the check digit, with a fresh expiry and CVV.
| BIN | Issuer | Network | Type · level | Use this BIN |
|---|---|---|---|---|
| 414965 | First Abu Dhabi Bank (PJSC) | Visa | Credit · Platinum | Use |
| 515532 | Network International LLC | Mastercard | Credit · World | Use |
| 409307 | Abu Dhabi Commercial Bank | Visa | Credit · Platinum | Use |
| 417622 | Mashreq Bank | Visa | Credit · Platinum | Use |
| 514056 | Dubai Islamic Bank PJSC | Mastercard | Debit · Prepaid | Use |
| 517251 | National Bank of Ras Al-Khaimah (Rakbank) | Mastercard | Credit · Titanium | Use |
| 517208 | HSBC Bank Middle East | Mastercard | Credit · Corporate | Use |
| 512670 | Emirates NBD | Mastercard | Credit · Standard | Use |
The largest issuers in the United Arab Emirates, one typical Visa or Mastercard BIN each. All 1,278 BINs with a named issuer are in the United Arab Emirates BIN list.
Local card networks in United Arab Emirates
The United Arab Emirates runs domestic card networks next to Visa and Mastercard. Make sure your brand detection and validation accept their numbers.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| Jaywan Al Etihad Payments (subsidiary of the Central Bank of the UAE) |
Visa/Mastercard BINs (co-badged) | – | Limited | UAE's first domestic card scheme: infrastructure went live on 27 February 2025 (acquirer acceptance first) and issuing of Jaywan cards to banks started in mid-2026, so cards are still new; BIN ranges are not public. Can be co-badged for international use (e.g. a Jaywan-Mastercard co-badged credit card; partnerships also with Visa, Discover and UnionPay). Source |
Largest card issuers in the United Arab Emirates
The 10 banks with the most BINs in the data, out of 93 named issuers. Together, First Abu Dhabi Bank, Etihad Airways (EY) and Network International issue 29% of the ranges that name a bank. Follow a bank name for its complete list of ranges.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| First Abu Dhabi Bank PJSC | 178 | Visa | 30% |
| Etihad Airways (EY) | 100 | UATP | 0% |
| Network International LLC | 87 | Mastercard | 36% |
| Abu Dhabi Commercial Bank | 75 | Mastercard | 29% |
| Mashreq Bank | 68 | Visa | 34% |
| Dubai Islamic Bank | 66 | Visa | 45% |
| National Bank of Ras Al-Khaimah (Rakbank) | 58 | Mastercard | 45% |
| HSBC Bank Middle East | 50 | Visa | 26% |
| Emirates NBD | 45 | Mastercard | 36% |
| Emirates NBD Bank (P.J.S.C.) | 43 | Visa | 42% |
Card networks and card types in the United Arab Emirates
We count 1,351 card BINs for the United Arab Emirates — 1,278 with a known issuer, from 93 banks. Visa is the most common network (46% of the BINs), followed by Mastercard (42%). Credit ranges outnumber debit ranges 844 to 507. Visa and Mastercard hold a similar number of ranges. 240 ranges are prepaid or gift products and 158 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Visa | 620 | 46% | 237 | 383 |
| Mastercard | 565 | 42% | 218 | 347 |
| UATP | 100 | 7% | 0 | 100 |
| Discover | 19 | 1% | 19 | 0 |
| Local brand | 14 | 1% | 14 | 0 |
| Maestro | 13 | 1% | 13 | 0 |
| Diners Club | 9 | 1% | 0 | 9 |
| UnionPay | 6 | less than 1% | 4 | 2 |
Most common product levels: Platinum (266), Prepaid (127), UATP (100), Classic (72), Titanium (64).
Payment testing notes for the United Arab Emirates
- Currency: AED (UAE dirham). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card authentication: Online card payments in the UAE are authenticated with 3-D Secure, and banks have moved from SMS/email OTPs to in-app approval (push notification or biometrics), with many banks stopping SMS OTPs for online card payments from 6 January 2026 under Central Bank guidance. Source
- Card country: Checkouts that route domestic and international cards differently decide by the BIN country. A BIN from the United Arab Emirates tests the domestic route; any foreign BIN tests the cross-border one.
- Debit vs credit: Only 38% of the BINs from the United Arab Emirates are debit ranges — fewer than in 41 of the 62 other countries we cover. If your checkout treats debit differently (fees, installments, recurring billing), test a BIN of each type from the table above.
- Billing details: phone numbers use +971 — mobiles are 9 digits starting with 5 (05X XXX XXXX nationally); landlines are 8 digits (area code + 7). Generate United Arab Emirates test addresses.
Paying online in United Arab Emirates: local methods and gateways
Cards are only part of the picture. These payment methods are popular in the United Arab Emirates and usually sit next to the card form at checkout:
- Aani (bank transfer) — Instant payments platform launched in October 2023 by Al Etihad Payments: send money by mobile number (also email or QR), no IBAN needed. Source
- Tabby (BNPL) — Split a purchase into four interest-free instalments; operates in the UAE, Saudi Arabia and Kuwait. Source
Payment gateways developers commonly integrate for the United Arab Emirates, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Network International (N-Genius Online) | Network International's online gateway; sandbox test data is provided after registering on the developer portal. | Official docs |
| Checkout.com | Global PSP that integrates Tabby BNPL for UAE and Saudi merchants. | Checkout.com test cards |
| PayTabs | Regional gateway; test cards work only with test profiles. | Official docs |
| Tap Payments | GCC gateway with a testing-cards reference. | Official docs |
Card generators for other countries
← Generators for other countries · United Arab Emirates 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 United Arab Emirates credit card number for testing?
Yes. Every number on this page starts with a real BIN registered to a bank in the United Arab Emirates — by default 414965 (First Abu Dhabi Bank (PJSC), Visa credit). The remaining digits are random and the last one is a Luhn check digit. Nothing is attached to them, so any real charge is declined.
Which card networks are most common in United Arab Emirates?
By BIN count in our data: Visa 46%, Mastercard 42%, UATP 7%, Discover 1%. Debit ranges make up 38% and credit ranges 62%.
Which BINs do Visa cards from the United Arab Emirates start with?
Examples from different banks: 414965 (First Abu Dhabi Bank (PJSC)); 409307 (Abu Dhabi Commercial Bank); 417622 (Mashreq Bank). See the United Arab Emirates BIN list for every bank.
Which currency should I use to test payments from United Arab Emirates?
AED (UAE dirham). 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.
Is a generated United Arab Emirates card number a real card?
They do not. A generated number only has the right shape; First Abu Dhabi Bank or any other issuer has never heard of it, so authorization always fails. Real alternatives: a virtual card from a bank in the United Arab Emirates. Testing a checkout? Use your gateway’s sandbox test cards.
Which payment methods should a checkout for United Arab Emirates offer next to cards?
Aani: Instant payments platform launched in October 2023 by Al Etihad Payments: send money by mobile number (also email or QR), no IBAN needed. Tabby: Split a purchase into four interest-free instalments; operates in the UAE, Saudi Arabia and Kuwait.