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BIN 421623

VISA credit card (TRADITIONAL level) issued by Santander Consumer Bank, S.a. in Poland

Card Information

IIN / BIN	Length Required	Prepaid	Commercial	Network Company	Card Type	Card Level	Currency
421623	16	false	false	VISA	credit	TRADITIONAL	PLN

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Bank Issuer Information

Name	Website	Phone	City
Santander Consumer Bank, S.a.	www.santanderconsumer.pl	+48 71 35 82 222

Country Issuer Information

Flag	Code	Name	Numeric	Latitude	Longitude
	PL	Poland	616	51.919438	19.145136

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How the Card Bank Identification Number ("BIN") System works ?

BIN or IIN (as in classic Bank Identification Number and or newer, modern term of Issuer Identification Number) represents the first six numbers of a bank card number. These cards have various known types : credit, debit, charge, prepaid, etc. They usually are made by plastic, having a magnetic strip on the back for swiping, sliding on off processing card readers. Nowadays some if not all bank cards have small, rectangular-shaped chips implanted in the front that can be read for charging by newer type of card readers.

As the card reading process happens at a local store with the presence of the card owner himself or herself, cashiers may sometimes ask for his / her governmentally issued ID to compare the information on the card with that of the ID. In case of mismatch, the cashier will ask for an explanation. They may deny the order or / and ask security personnel to involve.

For an online shop, similar checking process can also be achieved. Upon a user's account creation, the website may ask them to a upload some governmentally issued ID, such as: a driver license, a phone bill, a utility bill, etc. When the user makes an order, they will match the submitted payment information with the uploaded ID to make sure the transaction is valid. However, this process is troublesome, causing bad impressions from consumers. They sometimes request to close their accounts out of frustration. Even worse thet simply never come back to shop. This is where BIN system has come to the rescue. With an in-house BIN database or API call, a software developer can integrate a checking process to match the card BIN information with user's data submitted at order checkout. Subsequent decisions of the match result can also be automated to save time.