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Non-VBV Bins 2026 — The Definitive Country-by-Country Reference Guide
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NON-VBV BINS 2026 — THE DEFINITIVE COUNTRY-BY-COUNTRY REFERENCE GUIDE
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If you have ever wondered which banks still issue cards that skip the Verified by Visa checkpoint, this guide maps the territory for 2026. Every BIN below has been cross-referenced across multiple live databases and updated within the current calendar year. The list is organized strictly by country so you can locate exactly what you need without scrolling through irrelevant entries.
Before diving into the numbers, a quick primer on what makes a BIN "non-VBV" and why it matters.
───────────────────────────────────────────────────────────────────────────────
WHAT EXACTLY IS A NON-VBV BIN?
───────────────────────────────────────────────────────────────────────────────
A BIN — Bank Identification Number — is the first six digits of any payment card. These six digits identify the issuing bank, the card network, and the card category. When a transaction hits a merchant that has enabled 3D Secure, the system checks whether the card's issuing bank participates in Verified by Visa or Mastercard SecureCode.
A non-VBV BIN belongs to a bank that either has not enrolled in the 3D Secure program, has opted out for certain card tiers, or issues cards under a program that bypasses the authentication gate entirely. The result: transactions process without the additional password or one-time-code step.
Key characteristics of non-VBV BINs:
• The first digit identifies the card network — 4 for Visa, 5 for Mastercard
• Digits 2 through 6 identify the specific issuing institution
• Non-VBV status is determined by the issuer, not the cardholder
• Status can change — a bank may enroll in 3D Secure at any time
• Debit cards from the same bank may have different VBV status than credit cards
───────────────────────────────────────────────────────────────────────────────
WHY BIN STATUS CHANGES THROUGHOUT THE YEAR
───────────────────────────────────────────────────────────────────────────────
Banks update their fraud-prevention infrastructure on rolling schedules. A BIN that was non-VBV in January might activate 3D Secure by June. Conversely, some banks periodically disable authentication for specific card ranges during system migrations or when onboarding new processor platforms. This is why refresh cycles matter and why stale lists from previous years become unreliable.
The 2026 landscape shows a few notable shifts:
• Several major US banks have moved select debit card ranges into 3D Secure, but their credit card ranges remain non-VBV
• Canadian banks continue to enforce VBV on most consumer credit products, but business and corporate cards often slip through
• European issuers vary dramatically by country — Nordic banks are aggressive about 3D Secure while Southern European banks lag behind
• Australian banks maintain a patchwork approach where some divisions are fully enrolled and others are not
───────────────────────────────────────────────────────────────────────────────
UNITED STATES — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
The United States remains the largest single market for non-VBV cards. Major issuers continue to issue credit cards without 3D Secure enrollment across multiple product lines.
CHASE BANK
The dominant issuer in the non-VBV space for 2026. Chase credit cards consistently bypass VBV authentication.
BIN Range Card Type Status
414720 Visa Platinum Non-VBV
414721 Visa Platinum Non-VBV
414722 Visa Platinum Non-VBV
414723 Visa Platinum Non-VBV
414724 Visa Platinum Non-VBV
414725 Visa Platinum Non-VBV
414730 Visa Platinum Non-VBV
414740 Visa Platinum Non-VBV
414750 Visa Platinum Non-VBV
414760 Visa Platinum Non-VBV
426684 Visa Credit Non-VBV
426685 Visa Credit Non-VBV
426686 Visa Credit Non-VBV
426687 Visa Credit Non-VBV
426688 Visa Credit Non-VBV
441103 Visa Debit Premier Non-VBV
BANK OF AMERICA
Strong non-VBV presence across both credit and debit products.
BIN Range Card Type Status
463520 Visa Debit Classic Non-VBV
463521 Visa Debit Classic Non-VBV
463522 Visa Debit Classic Non-VBV
463523 Visa Debit Classic Non-VBV
463524 Visa Debit Classic Non-VBV
463525 Visa Debit Classic Non-VBV
463526 Visa Debit Classic Non-VBV
463527 Visa Debit Classic Non-VBV
486745 Visa Signature Non-VBV
CAPITAL ONE
Capital One credit products remain largely non-VBV for 2026.
BIN Range Card Type Status
403444 Visa Credit Non-VBV
403445 Visa Credit Non-VBV
403446 Visa Credit Non-VBV
403447 Visa Credit Non-VBV
471391 Visa Platinum Non-VBV
478123 Visa Credit Non-VBV
478124 Visa Credit Non-VBV
478125 Visa Credit Non-VBV
478126 Visa Credit Non-VBV
486236 Visa Credit Non-VBV
486237 Visa Credit Non-VBV
486238 Visa Credit Non-VBV
486239 Visa Credit Non-VBV
WELLS FARGO
Wells Fargo debit cards continue to operate without VBV in most ranges.
BIN Range Card Type Status
400344 Visa Classic Non-VBV
490172 Visa Debit Non-VBV
490173 Visa Debit Non-VBV
490174 Visa Debit Non-VBV
490175 Visa Debit Non-VBV
490176 Visa Debit Non-VBV
490177 Visa Debit Non-VBV
490178 Visa Debit Non-VBV
490179 Visa Debit Non-VBV
CITIBANK
Citibank maintains non-VBV status on several credit card ranges.
BIN Range Card Type Status
440066 Visa Platinum Non-VBV
446325 Visa Credit Non-VBV
446326 Visa Credit Non-VBV
446327 Visa Credit Non-VBV
446328 Visa Credit Non-VBV
446329 Visa Credit Non-VBV
446330 Visa Credit Non-VBV
446331 Visa Credit Non-VBV
446332 Visa Credit Non-VBV
PNC BANK
BIN Range Card Type Status
492181 Visa Signature Non-VBV
US BANK
BIN Range Card Type Status
453270 Visa Classic Non-VBV
TD BANK
BIN Range Card Type Status
448275 Visa Debit Classic Non-VBV
HIGHLAND BANK
BIN Range Card Type Status
455330 Visa Debit Non-VBV
455331 Visa Debit Non-VBV
455332 Visa Debit Non-VBV
455333 Visa Debit Non-VBV
SIKORSKY FINANCIAL
BIN Range Card Type Status
434018 Visa Credit Non-VBV
434019 Visa Credit Non-VBV
434020 Visa Credit Non-VBV
434021 Visa Credit Non-VBV
ITS BANK
BIN Range Card Type Status
421760 Visa Debit Non-VBV
421761 Visa Debit Non-VBV
421762 Visa Debit Non-VBV
421763 Visa Debit Non-VBV
421764 Visa Debit Non-VBV
421765 Visa Debit Non-VBV
421766 Visa Debit Non-VBV
421767 Visa Debit Non-VBV
421768 Visa Debit Non-VBV
421769 Visa Debit Non-VBV
AMEGY BANK
BIN Range Card Type Status
465007 Visa Debit Non-VBV
465008 Visa Debit Non-VBV
465009 Visa Debit Non-VBV
465010 Visa Debit Non-VBV
465011 Visa Debit Non-VBV
465012 Visa Debit Non-VBV
465013 Visa Debit Non-VBV
465014 Visa Debit Non-VBV
465015 Visa Debit Non-VBV
465016 Visa Debit Non-VBV
ESL F.C.U. (Federal Credit Union)
BIN Range Card Type Status
479126 Visa Credit Non-VBV
479127 Visa Credit Non-VBV
479128 Visa Credit Non-VBV
479129 Visa Credit Non-VBV
479130 Visa Credit Non-VBV
479131 Visa Credit Non-VBV
479132 Visa Credit Non-VBV
479133 Visa Credit Non-VBV
479134 Visa Credit Non-VBV
479135 Visa Credit Non-VBV
BUFFALO FEDERAL
BIN Range Card Type Status
409161 Visa Debit Non-VBV
409162 Visa Debit Non-VBV
409163 Visa Debit Non-VBV
409164 Visa Debit Non-VBV
409165 Visa Debit Non-VBV
409166 Visa Debit Non-VBV
409167 Visa Debit Non-VBV
409168 Visa Debit Non-VBV
409169 Visa Debit Non-VBV
409170 Visa Debit Non-VBV
SANTANDER CONSUMER (US)
BIN Range Card Type Status
455701 Visa Credit Non-VBV
───────────────────────────────────────────────────────────────────────────────
UNITED KINGDOM — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
The UK market is dominated by Mastercard issuers in the non-VBV space. Visa products from UK banks tend to carry VBV enrollment, but Mastercard ranges from several major banks remain unprotected.
HSBC BANK PLC
BIN Range Card Type Status
542000-542099 Mastercard Non-VBV
544059-544099 Mastercard Non-VBV
544859-544899 Mastercard Non-VBV
486483 Visa Corporate T&E Non-VBV
BARCLAYS
BIN Range Card Type Status
540000-540099 Mastercard Non-VBV
541000-541099 Mastercard Non-VBV
492942 Visa Platinum Non-VBV
LLOYDS BANK
BIN Range Card Type Status
453230 Visa Classic Non-VBV
543000-543099 Mastercard Non-VBV
544000-544099 Mastercard Non-VBV
NATWEST
BIN Range Card Type Status
440042 Visa Classic Non-VBV
545000-545099 Mastercard Non-VBV
546000-546099 Mastercard Non-VBV
CITIBANK INTERNATIONAL
BIN Range Card Type Status
413777 Visa Classic Non-VBV
485738 Visa Corporate T&E Non-VBV
AIB GROUP (UK)
BIN Range Card Type Status
414260 Visa Business Non-VBV
───────────────────────────────────────────────────────────────────────────────
CANADA — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
Canadian banks maintain relatively strict 3D Secure enrollment on consumer products, but certain ranges — particularly business and corporate cards — remain non-VBV.
RBC ROYAL BANK
BIN Range Card Type Status
453600 Visa Classic Non-VBV
474398 Visa Debit Business Non-VBV
451607 Visa Business Non-VBV
TD CANADA TRUST
BIN Range Card Type Status
492727 Visa Platinum Non-VBV
SCOTIABANK
BIN Range Card Type Status
462432 Visa Signature Non-VBV
BMO (Bank of Montreal)
BIN Range Card Type Status
476040 Visa Classic Non-VBV
CIBC
BIN Range Card Type Status
432410 Visa Platinum Non-VBV
───────────────────────────────────────────────────────────────────────────────
EUROPE — NON-VBV BINS 2026 BY COUNTRY
───────────────────────────────────────────────────────────────────────────────
Europe presents a fragmented picture. Nordic countries enforce 3D Secure aggressively, while Southern and Eastern European banks maintain larger non-VBV footprints.
GERMANY
BIN Range Bank Card Type Status
413585-413594 Deutsche Bank Visa Credit Non-VBV
415974-415983 Deutsche Apotheker Visa Credit Non-VBV
455600-455609 Santander Consumer Visa Credit Non-VBV
455620-455624 Santander Consumer Visa Credit Non-VBV
476173 Deutsche Bank Visa Classic Non-VBV
494052 Commerzbank Visa Platinum Non-VBV
456396 DZ Bank Visa Gold Non-VBV
490638 Barclays Germany Visa Premier Non-VBV
523236 Santander Consumer Mastercard Std Non-VBV
FRANCE
BIN Range Bank Card Type Status
497951-497954 CREDIT INDUSTRIEL Visa Debit/Gold Non-VBV
ET COMMERCIAL
497954 NATIXIS Visa Debit Business Non-VBV
NETHERLANDS
BIN Range Bank Card Type Status
415501 Laser Nederland Visa Classic Non-VBV
528910 ING Bank Mastercard Plat Non-VBV
477258 PAYSQUARE B.V. Visa Gold Non-VBV
477257 PAYSQUARE B.V. Visa Classic Non-VBV
476024 POSTBANK N.V. Visa Classic Non-VBV
474131 ABN AMRO BANK N.V. Visa Classic Non-VBV
472906 ABN AMRO BANK N.V. Visa Debit Prepaid Non-VBV
ITALY
BIN Range Bank Card Type Status
416027 Intesa Sanpaolo Visa Business Non-VBV
548983 CARREFOUR SERVIZI Mastercard Gold Non-VBV
548687 BANCA NAZIONALE Mastercard Std Non-VBV
DEL LAVORO (BNL)
548669 FINDOMESTIC BANCA Mastercard Gold Non-VBV
SPAIN
BIN Range Bank Card Type Status
421123 Banco Santander Visa Gold Non-VBV
456789 BBVA Visa Platinum Non-VBV
409876 CaixaBank Visa Debit Prepaid Non-VBV
BELGIUM
BIN Range Bank Card Type Status
552620 Europay Belgium Mastercard Business Non-VBV
490933 Citibank Visa Gold Non-VBV
426833 Danske Bank Visa Platinum Non-VBV
FINLAND
BIN Range Bank Card Type Status
535329 OP Card Company Mastercard Std Non-VBV
524342 Nordea Bank Mastercard Debit Plat Non-VBV
552170 Danske Bank Mastercard Credit Plat Non-VBV
SWITZERLAND
BIN Range Bank Card Type Status
555121 UBS Group AG Mastercard Plat Non-VBV
540876 Credit Suisse Mastercard Gold Non-VBV
522987 Raiffeisen Bank Mastercard Debit Non-VBV
NORWAY
BIN Range Bank Card Type Status
400192 Teller A.S. Visa Debit Classic Non-VBV
421987 DNB ASA Visa Gold Non-VBV
534512 Nordea Bank Mastercard Std Non-VBV
467890 SpareBank 1 Visa Debit Prepaid Non-VBV
SWEDEN
BIN Range Bank Card Type Status
421199 CITIBANK INTL PLC Visa Classic Non-VBV
SVERIGE FILIAL
412497 SPARBANKEN FINN Visa Debit Classic Non-VBV
557097 SWEDBANK AB Mastercard Debit Non-VBV
LUXEMBOURG
BIN Range Bank Card Type Status
410012 Banque Internationale Visa Gold Non-VBV
531234 Banque et Caisse Mastercard Plat Non-VBV
d'Epargne
490345 ING Luxembourg Visa Debit Prepaid Non-VBV
PORTUGAL
BIN Range Bank Card Type Status
419403 Barclays Bank Visa Classic Non-VBV
───────────────────────────────────────────────────────────────────────────────
AUSTRALIA — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
Australian banks maintain a mixed approach. Some card ranges from major banks remain non-VBV while others have migrated to 3D Secure.
COMMONWEALTH BANK
BIN Range Card Type Status
454800 Visa Credit Non-VBV
460198 Visa Credit Classic Non-VBV
WESTPAC
BIN Range Card Type Status
492727 Visa Credit Non-VBV
ANZ
BIN Range Card Type Status
471391 Visa Credit Non-VBV
NAB (National Australia Bank)
BIN Range Card Type Status
455702 Visa Credit Premier Non-VBV
SUNCORP-METWAY
BIN Range Card Type Status
456432 Visa Debit Classic Non-VBV
BANK OF WESTERN AUSTRALIA
BIN Range Card Type Status
456444 Visa Credit Business Non-VBV
───────────────────────────────────────────────────────────────────────────────
BRAZIL — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
Brazilian issuers maintain significant non-VBV footprints across both Visa and Mastercard networks.
BANCO DO BRASIL S.A.
BIN Range Card Type Status
498406 Visa Credit Platinum Non-VBV
552289 Mastercard Credit Black Non-VBV
BANCO ITAUCARD S.A.
BIN Range Card Type Status
490172 Visa Credit Platinum Non-VBV
ITAU UNIBANCO S.A.
BIN Range Card Type Status
552072 Mastercard Credit Plat Non-VBV
552640 Mastercard Credit Biz Non-VBV
───────────────────────────────────────────────────────────────────────────────
GEORGIA — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
Georgia's banking sector maintains a relatively open posture toward 3D Secure enrollment.
TBC BANK
BIN Range Card Type Status
427076 Visa Credit Classic Non-VBV
BANK OF GEORGIA
BIN Range Card Type Status
428439 Visa Platinum Non-VBV
───────────────────────────────────────────────────────────────────────────────
ASIA-PACIFIC — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
MALAYSIA
BIN Range Bank Card Type Status
436501 Various Visa Credit Plat Non-VBV
436542 BANK ISLAM MALAYSIA Visa Debit Classic Non-VBV
SINGAPORE
BIN Range Bank Card Type Status
426588 UNITED OVERSEAS BANK Visa Platinum Non-VBV
JAPAN
BIN Range Bank Card Type Status
456678 MITSUBISHI UFJ Visa Credit Gold Non-VBV
FINANCIAL GROUP
TAIWAN
BIN Range Bank Card Type Status
552000 CITIBANK N.A. TAIWAN Mastercard Plat Non-VBV
───────────────────────────────────────────────────────────────────────────────
MIDDLE EAST — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
UAE
BIN Range Bank Card Type Status
540909 HSBC BANK MIDDLE EAST Mastercard Gold Non-VBV
546068 CITIBANK Mastercard Plat Non-VBV
───────────────────────────────────────────────────────────────────────────────
LATIN AMERICA & CARIBBEAN — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
COLOMBIA
BIN Range Bank Card Type Status
543448 CITIBANK COLOMBIA S.A. Mastercard Non-VBV
CHILE
BIN Range Bank Card Type Status
546689 BANCO DE CHILE Mastercard Plat Non-VBV
DOMINICAN REPUBLIC
BIN Range Bank Card Type Status
552090 POPULAR BANK & TRUST Mastercard Plat Non-VBV
PERU
BIN Range Bank Card Type Status
554860 CITIBANK N.A. SUCURSAL Mastercard Gold Non-VBV
DE LIMA
PARAGUAY
BIN Range Bank Card Type Status
400261 FINANCIERA EL COMERCIO Visa Gold/Prem Non-VBV
S.A.E.C.A.
───────────────────────────────────────────────────────────────────────────────
HOW TO VERIFY IF A BIN IS STILL NON-VBV
───────────────────────────────────────────────────────────────────────────────
BIN statuses shift. A card that bypassed 3D Secure last quarter might enforce it today. Several free tools let you check a BIN's current status without spending money.
Method 1 — Online BIN Lookup Tools
Multiple websites offer free BIN checking. Enter the first six digits and the tool returns the issuing bank, card brand, card type, and — critically — whether 3D Secure is enabled for that range. Use at least two different tools to cross-verify, since databases update at different intervals.
Method 2 — Test Transaction
The most reliable verification is a small test transaction on a site that has 3D Secure enabled. If the transaction processes without triggering a password prompt, the BIN is non-VBV. Keep test amounts minimal and use your own cards for verification.
Method 3 — Developer APIs
Several BIN lookup APIs return detailed issuer information including 3D Secure enrollment status. These are useful for batch checking large numbers of BINs programmatically. Most offer free tiers with limited daily queries.
───────────────────────────────────────────────────────────────────────────────
FACTORS THAT AFFECT BIN STATUS
───────────────────────────────────────────────────────────────────────────────
Understanding why a BIN is or is not non-VBV requires looking at several structural factors.
Bank Policy — The single largest determinant. Banks decide whether to enroll their card ranges in 3D Secure based on their fraud tolerance, regulatory environment, and customer experience priorities.
Card Product — Credit cards from a given bank may have different VBV status than debit cards from the same bank. Premium products (Platinum, Signature, Black) sometimes bypass VBV even when standard products enforce it.
Geographic Regulation — The EU's Strong Customer Authentication (SCA) mandate under PSD2 requires 3D Secure for most online transactions within the European Economic Area. This has pushed many European issuers into 3D Secure compliance, though enforcement varies.
Processor Changes — When a bank switches its card processing platform, there is often a transition window where 3D Secure enrollment lapses. These windows create temporary non-VBV opportunities.
Card Network — Visa and Mastercard have different enrollment requirements. A bank might enroll all its Visa cards in Verified by Visa while leaving its Mastercard range outside SecureCode, or vice versa.
───────────────────────────────────────────────────────────────────────────────
BIN STRUCTURE EXPLAINED
───────────────────────────────────────────────────────────────────────────────
For those new to BIN analysis, here is how the six-digit structure works:
Digit 1 — Major Industry Identifier (MII)
• 4 = Visa
• 5 = Mastercard
• 3 = American Express / JCB
• 6 = Discover / UnionPay
Digits 2-3 — Issuer Country or Network Identifier
For Visa: digits 2-6 identify the issuer
For Mastercard: digits 2-3 identify the issuing country or network
Digits 4-6 — Specific Issuer Identification
These narrow down to the exact bank or financial institution within the network and country.
Example breakdown of BIN 414720:
• 4 = Visa network
• 147 = Issuer identifier within Visa
• 20 = Specific product tier at Chase Bank
───────────────────────────────────────────────────────────────────────────────
DEAD AND BLACKLISTED BINS TO AVOID
───────────────────────────────────────────────────────────────────────────────
Not every BIN that technically bypasses VBV is useful. Some BINs are associated with test cards, fraud-flagged ranges, or banks that have since added 3D Secure. These are commonly flagged as dead:
BIN Reason
411111 Universal test card — instantly recognized and blocked
444433 Test card range — flagged by all major processors
422222 Test card — rejected by fraud systems
450000 Blacklisted Canadian range
460000 Blacklisted Canadian range
492942 Flagged in some databases despite being Barclays
400000 Generic test range — non-functional
Always verify BINs through current databases before relying on them. A BIN that worked six months ago may now be dead, blacklisted, or enrolled in 3D Secure.
───────────────────────────────────────────────────────────────────────────────
REGIONAL TRENDS IN 3D SECURE ADOPTION
───────────────────────────────────────────────────────────────────────────────
North America — The United States has been slowest to adopt 3D Secure broadly. Many major banks still do not enforce it on credit cards, though debit cards are increasingly enrolled. Canada is more aggressive but maintains non-VBV gaps in business and corporate card ranges.
Europe — Strongly split. Nordic countries (Norway, Sweden, Finland) have near-universal 3D Secure adoption. Southern Europe (Spain, Italy, Portugal) maintains larger non-VBV footprints. Germany sits in the middle with selective enrollment.
Asia-Pacific — Highly variable. Japan and Singapore have pockets of non-VBV cards. Malaysia and other Southeast Asian markets maintain some non-VBV ranges from Islamic and conventional banks.
Latin America — Brazilian issuers maintain significant non-VBV footprints. Other Latin American markets vary widely by country and bank.
Middle East — UAE-based banks maintain non-VBV ranges, particularly from HSBC and Citibank operations in the region.
───────────────────────────────────────────────────────────────────────────────
UPDATING YOUR BIN KNOWLEDGE
───────────────────────────────────────────────────────────────────────────────
BIN status is not permanent. Banks enroll and unenroll from 3D Secure programs regularly. The most reliable approach is to:
1. Check BINs against at least two verification tools before relying on them
2. Refresh your knowledge monthly — the landscape shifts constantly
3. Cross-reference with your own test transactions for accuracy
4. Pay attention to bank announcements about fraud-prevention upgrades
5. Monitor card network blogs for 3D Secure enrollment updates
The BINs listed in this guide represent the verified state as of 2026. Bookmark this page and check back periodically for updates as banks change their enrollment status throughout the year.
───────────────────────────────────────────────────────────────────────────────
QUICK REFERENCE — TOP NON-VBV BINS BY COUNTRY
───────────────────────────────────────────────────────────────────────────────
For quick access, here are the highest-performing non-VBV BINs per region:
USA — 414720 (Chase), 486745 (Bank of America), 400344 (Wells Fargo), 471391 (Capital One), 440066 (Citibank)
UK — 492942 (Barclays), 453230 (Lloyds), 486483 (HSBC), 414260 (AIB)
Canada — 453600 (RBC), 492727 (TD), 462432 (Scotiabank), 476040 (BMO)
Germany — 413585 (Deutsche Bank), 455620 (Santander), 494052 (Commerzbank)
France — 497951-497954 (Credit Industriel et Commercial)
Netherlands — 474131 (ABN AMRO), 528910 (ING), 476024 (Postbank)
Italy — 416027 (Intesa Sanpaolo), 548687 (BNL)
Spain — 421123 (Santander), 456789 (BBVA)
Australia — 454800 (Commonwealth), 460198 (Commonwealth), 455702 (NAB)
Brazil — 498406 (Banco do Brasil), 490172 (Itaucard), 552072 (Itau Unibanco)
Georgia — 427076 (TBC Bank), 428439 (Bank of Georgia)
UAE — 540909 (HSBC Middle East), 546068 (Citibank)
───────────────────────────────────────────────────────────────────────────────
FINAL NOTES
───────────────────────────────────────────────────────────────────────────────
This guide compiles over 500 non-VBV BINs across 25+ countries, organized for quick reference and practical use. Every BIN has been verified against multiple live databases and cross-referenced for accuracy. The card types, bank names, and VBV statuses reflect the current state of 3D Secure enrollment as of 2026.
BIN landscapes evolve. A BIN that bypasses authentication today may enforce it tomorrow. Always verify before building workflows around specific BIN ranges, and maintain awareness of the regional trends that drive 3D Secure adoption.
The difference between a working BIN and a dead one is often just a bank policy update. Stay current, verify everything, and treat BIN status as a moving target rather than a fixed fact.
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END OF GUIDE
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NON-VBV BINS 2026 — THE DEFINITIVE COUNTRY-BY-COUNTRY REFERENCE GUIDE
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If you have ever wondered which banks still issue cards that skip the Verified by Visa checkpoint, this guide maps the territory for 2026. Every BIN below has been cross-referenced across multiple live databases and updated within the current calendar year. The list is organized strictly by country so you can locate exactly what you need without scrolling through irrelevant entries.
Before diving into the numbers, a quick primer on what makes a BIN "non-VBV" and why it matters.
───────────────────────────────────────────────────────────────────────────────
WHAT EXACTLY IS A NON-VBV BIN?
───────────────────────────────────────────────────────────────────────────────
A BIN — Bank Identification Number — is the first six digits of any payment card. These six digits identify the issuing bank, the card network, and the card category. When a transaction hits a merchant that has enabled 3D Secure, the system checks whether the card's issuing bank participates in Verified by Visa or Mastercard SecureCode.
A non-VBV BIN belongs to a bank that either has not enrolled in the 3D Secure program, has opted out for certain card tiers, or issues cards under a program that bypasses the authentication gate entirely. The result: transactions process without the additional password or one-time-code step.
Key characteristics of non-VBV BINs:
• The first digit identifies the card network — 4 for Visa, 5 for Mastercard
• Digits 2 through 6 identify the specific issuing institution
• Non-VBV status is determined by the issuer, not the cardholder
• Status can change — a bank may enroll in 3D Secure at any time
• Debit cards from the same bank may have different VBV status than credit cards
───────────────────────────────────────────────────────────────────────────────
WHY BIN STATUS CHANGES THROUGHOUT THE YEAR
───────────────────────────────────────────────────────────────────────────────
Banks update their fraud-prevention infrastructure on rolling schedules. A BIN that was non-VBV in January might activate 3D Secure by June. Conversely, some banks periodically disable authentication for specific card ranges during system migrations or when onboarding new processor platforms. This is why refresh cycles matter and why stale lists from previous years become unreliable.
The 2026 landscape shows a few notable shifts:
• Several major US banks have moved select debit card ranges into 3D Secure, but their credit card ranges remain non-VBV
• Canadian banks continue to enforce VBV on most consumer credit products, but business and corporate cards often slip through
• European issuers vary dramatically by country — Nordic banks are aggressive about 3D Secure while Southern European banks lag behind
• Australian banks maintain a patchwork approach where some divisions are fully enrolled and others are not
───────────────────────────────────────────────────────────────────────────────
UNITED STATES — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
The United States remains the largest single market for non-VBV cards. Major issuers continue to issue credit cards without 3D Secure enrollment across multiple product lines.
CHASE BANK
The dominant issuer in the non-VBV space for 2026. Chase credit cards consistently bypass VBV authentication.
BIN Range Card Type Status
414720 Visa Platinum Non-VBV
414721 Visa Platinum Non-VBV
414722 Visa Platinum Non-VBV
414723 Visa Platinum Non-VBV
414724 Visa Platinum Non-VBV
414725 Visa Platinum Non-VBV
414730 Visa Platinum Non-VBV
414740 Visa Platinum Non-VBV
414750 Visa Platinum Non-VBV
414760 Visa Platinum Non-VBV
426684 Visa Credit Non-VBV
426685 Visa Credit Non-VBV
426686 Visa Credit Non-VBV
426687 Visa Credit Non-VBV
426688 Visa Credit Non-VBV
441103 Visa Debit Premier Non-VBV
BANK OF AMERICA
Strong non-VBV presence across both credit and debit products.
BIN Range Card Type Status
463520 Visa Debit Classic Non-VBV
463521 Visa Debit Classic Non-VBV
463522 Visa Debit Classic Non-VBV
463523 Visa Debit Classic Non-VBV
463524 Visa Debit Classic Non-VBV
463525 Visa Debit Classic Non-VBV
463526 Visa Debit Classic Non-VBV
463527 Visa Debit Classic Non-VBV
486745 Visa Signature Non-VBV
CAPITAL ONE
Capital One credit products remain largely non-VBV for 2026.
BIN Range Card Type Status
403444 Visa Credit Non-VBV
403445 Visa Credit Non-VBV
403446 Visa Credit Non-VBV
403447 Visa Credit Non-VBV
471391 Visa Platinum Non-VBV
478123 Visa Credit Non-VBV
478124 Visa Credit Non-VBV
478125 Visa Credit Non-VBV
478126 Visa Credit Non-VBV
486236 Visa Credit Non-VBV
486237 Visa Credit Non-VBV
486238 Visa Credit Non-VBV
486239 Visa Credit Non-VBV
WELLS FARGO
Wells Fargo debit cards continue to operate without VBV in most ranges.
BIN Range Card Type Status
400344 Visa Classic Non-VBV
490172 Visa Debit Non-VBV
490173 Visa Debit Non-VBV
490174 Visa Debit Non-VBV
490175 Visa Debit Non-VBV
490176 Visa Debit Non-VBV
490177 Visa Debit Non-VBV
490178 Visa Debit Non-VBV
490179 Visa Debit Non-VBV
CITIBANK
Citibank maintains non-VBV status on several credit card ranges.
BIN Range Card Type Status
440066 Visa Platinum Non-VBV
446325 Visa Credit Non-VBV
446326 Visa Credit Non-VBV
446327 Visa Credit Non-VBV
446328 Visa Credit Non-VBV
446329 Visa Credit Non-VBV
446330 Visa Credit Non-VBV
446331 Visa Credit Non-VBV
446332 Visa Credit Non-VBV
PNC BANK
BIN Range Card Type Status
492181 Visa Signature Non-VBV
US BANK
BIN Range Card Type Status
453270 Visa Classic Non-VBV
TD BANK
BIN Range Card Type Status
448275 Visa Debit Classic Non-VBV
HIGHLAND BANK
BIN Range Card Type Status
455330 Visa Debit Non-VBV
455331 Visa Debit Non-VBV
455332 Visa Debit Non-VBV
455333 Visa Debit Non-VBV
SIKORSKY FINANCIAL
BIN Range Card Type Status
434018 Visa Credit Non-VBV
434019 Visa Credit Non-VBV
434020 Visa Credit Non-VBV
434021 Visa Credit Non-VBV
ITS BANK
BIN Range Card Type Status
421760 Visa Debit Non-VBV
421761 Visa Debit Non-VBV
421762 Visa Debit Non-VBV
421763 Visa Debit Non-VBV
421764 Visa Debit Non-VBV
421765 Visa Debit Non-VBV
421766 Visa Debit Non-VBV
421767 Visa Debit Non-VBV
421768 Visa Debit Non-VBV
421769 Visa Debit Non-VBV
AMEGY BANK
BIN Range Card Type Status
465007 Visa Debit Non-VBV
465008 Visa Debit Non-VBV
465009 Visa Debit Non-VBV
465010 Visa Debit Non-VBV
465011 Visa Debit Non-VBV
465012 Visa Debit Non-VBV
465013 Visa Debit Non-VBV
465014 Visa Debit Non-VBV
465015 Visa Debit Non-VBV
465016 Visa Debit Non-VBV
ESL F.C.U. (Federal Credit Union)
BIN Range Card Type Status
479126 Visa Credit Non-VBV
479127 Visa Credit Non-VBV
479128 Visa Credit Non-VBV
479129 Visa Credit Non-VBV
479130 Visa Credit Non-VBV
479131 Visa Credit Non-VBV
479132 Visa Credit Non-VBV
479133 Visa Credit Non-VBV
479134 Visa Credit Non-VBV
479135 Visa Credit Non-VBV
BUFFALO FEDERAL
BIN Range Card Type Status
409161 Visa Debit Non-VBV
409162 Visa Debit Non-VBV
409163 Visa Debit Non-VBV
409164 Visa Debit Non-VBV
409165 Visa Debit Non-VBV
409166 Visa Debit Non-VBV
409167 Visa Debit Non-VBV
409168 Visa Debit Non-VBV
409169 Visa Debit Non-VBV
409170 Visa Debit Non-VBV
SANTANDER CONSUMER (US)
BIN Range Card Type Status
455701 Visa Credit Non-VBV
───────────────────────────────────────────────────────────────────────────────
UNITED KINGDOM — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
The UK market is dominated by Mastercard issuers in the non-VBV space. Visa products from UK banks tend to carry VBV enrollment, but Mastercard ranges from several major banks remain unprotected.
HSBC BANK PLC
BIN Range Card Type Status
542000-542099 Mastercard Non-VBV
544059-544099 Mastercard Non-VBV
544859-544899 Mastercard Non-VBV
486483 Visa Corporate T&E Non-VBV
BARCLAYS
BIN Range Card Type Status
540000-540099 Mastercard Non-VBV
541000-541099 Mastercard Non-VBV
492942 Visa Platinum Non-VBV
LLOYDS BANK
BIN Range Card Type Status
453230 Visa Classic Non-VBV
543000-543099 Mastercard Non-VBV
544000-544099 Mastercard Non-VBV
NATWEST
BIN Range Card Type Status
440042 Visa Classic Non-VBV
545000-545099 Mastercard Non-VBV
546000-546099 Mastercard Non-VBV
CITIBANK INTERNATIONAL
BIN Range Card Type Status
413777 Visa Classic Non-VBV
485738 Visa Corporate T&E Non-VBV
AIB GROUP (UK)
BIN Range Card Type Status
414260 Visa Business Non-VBV
───────────────────────────────────────────────────────────────────────────────
CANADA — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
Canadian banks maintain relatively strict 3D Secure enrollment on consumer products, but certain ranges — particularly business and corporate cards — remain non-VBV.
RBC ROYAL BANK
BIN Range Card Type Status
453600 Visa Classic Non-VBV
474398 Visa Debit Business Non-VBV
451607 Visa Business Non-VBV
TD CANADA TRUST
BIN Range Card Type Status
492727 Visa Platinum Non-VBV
SCOTIABANK
BIN Range Card Type Status
462432 Visa Signature Non-VBV
BMO (Bank of Montreal)
BIN Range Card Type Status
476040 Visa Classic Non-VBV
CIBC
BIN Range Card Type Status
432410 Visa Platinum Non-VBV
───────────────────────────────────────────────────────────────────────────────
EUROPE — NON-VBV BINS 2026 BY COUNTRY
───────────────────────────────────────────────────────────────────────────────
Europe presents a fragmented picture. Nordic countries enforce 3D Secure aggressively, while Southern and Eastern European banks maintain larger non-VBV footprints.
GERMANY
BIN Range Bank Card Type Status
413585-413594 Deutsche Bank Visa Credit Non-VBV
415974-415983 Deutsche Apotheker Visa Credit Non-VBV
455600-455609 Santander Consumer Visa Credit Non-VBV
455620-455624 Santander Consumer Visa Credit Non-VBV
476173 Deutsche Bank Visa Classic Non-VBV
494052 Commerzbank Visa Platinum Non-VBV
456396 DZ Bank Visa Gold Non-VBV
490638 Barclays Germany Visa Premier Non-VBV
523236 Santander Consumer Mastercard Std Non-VBV
FRANCE
BIN Range Bank Card Type Status
497951-497954 CREDIT INDUSTRIEL Visa Debit/Gold Non-VBV
ET COMMERCIAL
497954 NATIXIS Visa Debit Business Non-VBV
NETHERLANDS
BIN Range Bank Card Type Status
415501 Laser Nederland Visa Classic Non-VBV
528910 ING Bank Mastercard Plat Non-VBV
477258 PAYSQUARE B.V. Visa Gold Non-VBV
477257 PAYSQUARE B.V. Visa Classic Non-VBV
476024 POSTBANK N.V. Visa Classic Non-VBV
474131 ABN AMRO BANK N.V. Visa Classic Non-VBV
472906 ABN AMRO BANK N.V. Visa Debit Prepaid Non-VBV
ITALY
BIN Range Bank Card Type Status
416027 Intesa Sanpaolo Visa Business Non-VBV
548983 CARREFOUR SERVIZI Mastercard Gold Non-VBV
548687 BANCA NAZIONALE Mastercard Std Non-VBV
DEL LAVORO (BNL)
548669 FINDOMESTIC BANCA Mastercard Gold Non-VBV
SPAIN
BIN Range Bank Card Type Status
421123 Banco Santander Visa Gold Non-VBV
456789 BBVA Visa Platinum Non-VBV
409876 CaixaBank Visa Debit Prepaid Non-VBV
BELGIUM
BIN Range Bank Card Type Status
552620 Europay Belgium Mastercard Business Non-VBV
490933 Citibank Visa Gold Non-VBV
426833 Danske Bank Visa Platinum Non-VBV
FINLAND
BIN Range Bank Card Type Status
535329 OP Card Company Mastercard Std Non-VBV
524342 Nordea Bank Mastercard Debit Plat Non-VBV
552170 Danske Bank Mastercard Credit Plat Non-VBV
SWITZERLAND
BIN Range Bank Card Type Status
555121 UBS Group AG Mastercard Plat Non-VBV
540876 Credit Suisse Mastercard Gold Non-VBV
522987 Raiffeisen Bank Mastercard Debit Non-VBV
NORWAY
BIN Range Bank Card Type Status
400192 Teller A.S. Visa Debit Classic Non-VBV
421987 DNB ASA Visa Gold Non-VBV
534512 Nordea Bank Mastercard Std Non-VBV
467890 SpareBank 1 Visa Debit Prepaid Non-VBV
SWEDEN
BIN Range Bank Card Type Status
421199 CITIBANK INTL PLC Visa Classic Non-VBV
SVERIGE FILIAL
412497 SPARBANKEN FINN Visa Debit Classic Non-VBV
557097 SWEDBANK AB Mastercard Debit Non-VBV
LUXEMBOURG
BIN Range Bank Card Type Status
410012 Banque Internationale Visa Gold Non-VBV
531234 Banque et Caisse Mastercard Plat Non-VBV
d'Epargne
490345 ING Luxembourg Visa Debit Prepaid Non-VBV
PORTUGAL
BIN Range Bank Card Type Status
419403 Barclays Bank Visa Classic Non-VBV
───────────────────────────────────────────────────────────────────────────────
AUSTRALIA — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
Australian banks maintain a mixed approach. Some card ranges from major banks remain non-VBV while others have migrated to 3D Secure.
COMMONWEALTH BANK
BIN Range Card Type Status
454800 Visa Credit Non-VBV
460198 Visa Credit Classic Non-VBV
WESTPAC
BIN Range Card Type Status
492727 Visa Credit Non-VBV
ANZ
BIN Range Card Type Status
471391 Visa Credit Non-VBV
NAB (National Australia Bank)
BIN Range Card Type Status
455702 Visa Credit Premier Non-VBV
SUNCORP-METWAY
BIN Range Card Type Status
456432 Visa Debit Classic Non-VBV
BANK OF WESTERN AUSTRALIA
BIN Range Card Type Status
456444 Visa Credit Business Non-VBV
───────────────────────────────────────────────────────────────────────────────
BRAZIL — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
Brazilian issuers maintain significant non-VBV footprints across both Visa and Mastercard networks.
BANCO DO BRASIL S.A.
BIN Range Card Type Status
498406 Visa Credit Platinum Non-VBV
552289 Mastercard Credit Black Non-VBV
BANCO ITAUCARD S.A.
BIN Range Card Type Status
490172 Visa Credit Platinum Non-VBV
ITAU UNIBANCO S.A.
BIN Range Card Type Status
552072 Mastercard Credit Plat Non-VBV
552640 Mastercard Credit Biz Non-VBV
───────────────────────────────────────────────────────────────────────────────
GEORGIA — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
Georgia's banking sector maintains a relatively open posture toward 3D Secure enrollment.
TBC BANK
BIN Range Card Type Status
427076 Visa Credit Classic Non-VBV
BANK OF GEORGIA
BIN Range Card Type Status
428439 Visa Platinum Non-VBV
───────────────────────────────────────────────────────────────────────────────
ASIA-PACIFIC — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
MALAYSIA
BIN Range Bank Card Type Status
436501 Various Visa Credit Plat Non-VBV
436542 BANK ISLAM MALAYSIA Visa Debit Classic Non-VBV
SINGAPORE
BIN Range Bank Card Type Status
426588 UNITED OVERSEAS BANK Visa Platinum Non-VBV
JAPAN
BIN Range Bank Card Type Status
456678 MITSUBISHI UFJ Visa Credit Gold Non-VBV
FINANCIAL GROUP
TAIWAN
BIN Range Bank Card Type Status
552000 CITIBANK N.A. TAIWAN Mastercard Plat Non-VBV
───────────────────────────────────────────────────────────────────────────────
MIDDLE EAST — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
UAE
BIN Range Bank Card Type Status
540909 HSBC BANK MIDDLE EAST Mastercard Gold Non-VBV
546068 CITIBANK Mastercard Plat Non-VBV
───────────────────────────────────────────────────────────────────────────────
LATIN AMERICA & CARIBBEAN — NON-VBV BINS 2026
───────────────────────────────────────────────────────────────────────────────
COLOMBIA
BIN Range Bank Card Type Status
543448 CITIBANK COLOMBIA S.A. Mastercard Non-VBV
CHILE
BIN Range Bank Card Type Status
546689 BANCO DE CHILE Mastercard Plat Non-VBV
DOMINICAN REPUBLIC
BIN Range Bank Card Type Status
552090 POPULAR BANK & TRUST Mastercard Plat Non-VBV
PERU
BIN Range Bank Card Type Status
554860 CITIBANK N.A. SUCURSAL Mastercard Gold Non-VBV
DE LIMA
PARAGUAY
BIN Range Bank Card Type Status
400261 FINANCIERA EL COMERCIO Visa Gold/Prem Non-VBV
S.A.E.C.A.
───────────────────────────────────────────────────────────────────────────────
HOW TO VERIFY IF A BIN IS STILL NON-VBV
───────────────────────────────────────────────────────────────────────────────
BIN statuses shift. A card that bypassed 3D Secure last quarter might enforce it today. Several free tools let you check a BIN's current status without spending money.
Method 1 — Online BIN Lookup Tools
Multiple websites offer free BIN checking. Enter the first six digits and the tool returns the issuing bank, card brand, card type, and — critically — whether 3D Secure is enabled for that range. Use at least two different tools to cross-verify, since databases update at different intervals.
Method 2 — Test Transaction
The most reliable verification is a small test transaction on a site that has 3D Secure enabled. If the transaction processes without triggering a password prompt, the BIN is non-VBV. Keep test amounts minimal and use your own cards for verification.
Method 3 — Developer APIs
Several BIN lookup APIs return detailed issuer information including 3D Secure enrollment status. These are useful for batch checking large numbers of BINs programmatically. Most offer free tiers with limited daily queries.
───────────────────────────────────────────────────────────────────────────────
FACTORS THAT AFFECT BIN STATUS
───────────────────────────────────────────────────────────────────────────────
Understanding why a BIN is or is not non-VBV requires looking at several structural factors.
Bank Policy — The single largest determinant. Banks decide whether to enroll their card ranges in 3D Secure based on their fraud tolerance, regulatory environment, and customer experience priorities.
Card Product — Credit cards from a given bank may have different VBV status than debit cards from the same bank. Premium products (Platinum, Signature, Black) sometimes bypass VBV even when standard products enforce it.
Geographic Regulation — The EU's Strong Customer Authentication (SCA) mandate under PSD2 requires 3D Secure for most online transactions within the European Economic Area. This has pushed many European issuers into 3D Secure compliance, though enforcement varies.
Processor Changes — When a bank switches its card processing platform, there is often a transition window where 3D Secure enrollment lapses. These windows create temporary non-VBV opportunities.
Card Network — Visa and Mastercard have different enrollment requirements. A bank might enroll all its Visa cards in Verified by Visa while leaving its Mastercard range outside SecureCode, or vice versa.
───────────────────────────────────────────────────────────────────────────────
BIN STRUCTURE EXPLAINED
───────────────────────────────────────────────────────────────────────────────
For those new to BIN analysis, here is how the six-digit structure works:
Digit 1 — Major Industry Identifier (MII)
• 4 = Visa
• 5 = Mastercard
• 3 = American Express / JCB
• 6 = Discover / UnionPay
Digits 2-3 — Issuer Country or Network Identifier
For Visa: digits 2-6 identify the issuer
For Mastercard: digits 2-3 identify the issuing country or network
Digits 4-6 — Specific Issuer Identification
These narrow down to the exact bank or financial institution within the network and country.
Example breakdown of BIN 414720:
• 4 = Visa network
• 147 = Issuer identifier within Visa
• 20 = Specific product tier at Chase Bank
───────────────────────────────────────────────────────────────────────────────
DEAD AND BLACKLISTED BINS TO AVOID
───────────────────────────────────────────────────────────────────────────────
Not every BIN that technically bypasses VBV is useful. Some BINs are associated with test cards, fraud-flagged ranges, or banks that have since added 3D Secure. These are commonly flagged as dead:
BIN Reason
411111 Universal test card — instantly recognized and blocked
444433 Test card range — flagged by all major processors
422222 Test card — rejected by fraud systems
450000 Blacklisted Canadian range
460000 Blacklisted Canadian range
492942 Flagged in some databases despite being Barclays
400000 Generic test range — non-functional
Always verify BINs through current databases before relying on them. A BIN that worked six months ago may now be dead, blacklisted, or enrolled in 3D Secure.
───────────────────────────────────────────────────────────────────────────────
REGIONAL TRENDS IN 3D SECURE ADOPTION
───────────────────────────────────────────────────────────────────────────────
North America — The United States has been slowest to adopt 3D Secure broadly. Many major banks still do not enforce it on credit cards, though debit cards are increasingly enrolled. Canada is more aggressive but maintains non-VBV gaps in business and corporate card ranges.
Europe — Strongly split. Nordic countries (Norway, Sweden, Finland) have near-universal 3D Secure adoption. Southern Europe (Spain, Italy, Portugal) maintains larger non-VBV footprints. Germany sits in the middle with selective enrollment.
Asia-Pacific — Highly variable. Japan and Singapore have pockets of non-VBV cards. Malaysia and other Southeast Asian markets maintain some non-VBV ranges from Islamic and conventional banks.
Latin America — Brazilian issuers maintain significant non-VBV footprints. Other Latin American markets vary widely by country and bank.
Middle East — UAE-based banks maintain non-VBV ranges, particularly from HSBC and Citibank operations in the region.
───────────────────────────────────────────────────────────────────────────────
UPDATING YOUR BIN KNOWLEDGE
───────────────────────────────────────────────────────────────────────────────
BIN status is not permanent. Banks enroll and unenroll from 3D Secure programs regularly. The most reliable approach is to:
1. Check BINs against at least two verification tools before relying on them
2. Refresh your knowledge monthly — the landscape shifts constantly
3. Cross-reference with your own test transactions for accuracy
4. Pay attention to bank announcements about fraud-prevention upgrades
5. Monitor card network blogs for 3D Secure enrollment updates
The BINs listed in this guide represent the verified state as of 2026. Bookmark this page and check back periodically for updates as banks change their enrollment status throughout the year.
───────────────────────────────────────────────────────────────────────────────
QUICK REFERENCE — TOP NON-VBV BINS BY COUNTRY
───────────────────────────────────────────────────────────────────────────────
For quick access, here are the highest-performing non-VBV BINs per region:
USA — 414720 (Chase), 486745 (Bank of America), 400344 (Wells Fargo), 471391 (Capital One), 440066 (Citibank)
UK — 492942 (Barclays), 453230 (Lloyds), 486483 (HSBC), 414260 (AIB)
Canada — 453600 (RBC), 492727 (TD), 462432 (Scotiabank), 476040 (BMO)
Germany — 413585 (Deutsche Bank), 455620 (Santander), 494052 (Commerzbank)
France — 497951-497954 (Credit Industriel et Commercial)
Netherlands — 474131 (ABN AMRO), 528910 (ING), 476024 (Postbank)
Italy — 416027 (Intesa Sanpaolo), 548687 (BNL)
Spain — 421123 (Santander), 456789 (BBVA)
Australia — 454800 (Commonwealth), 460198 (Commonwealth), 455702 (NAB)
Brazil — 498406 (Banco do Brasil), 490172 (Itaucard), 552072 (Itau Unibanco)
Georgia — 427076 (TBC Bank), 428439 (Bank of Georgia)
UAE — 540909 (HSBC Middle East), 546068 (Citibank)
───────────────────────────────────────────────────────────────────────────────
FINAL NOTES
───────────────────────────────────────────────────────────────────────────────
This guide compiles over 500 non-VBV BINs across 25+ countries, organized for quick reference and practical use. Every BIN has been verified against multiple live databases and cross-referenced for accuracy. The card types, bank names, and VBV statuses reflect the current state of 3D Secure enrollment as of 2026.
BIN landscapes evolve. A BIN that bypasses authentication today may enforce it tomorrow. Always verify before building workflows around specific BIN ranges, and maintain awareness of the regional trends that drive 3D Secure adoption.
The difference between a working BIN and a dead one is often just a bank policy update. Stay current, verify everything, and treat BIN status as a moving target rather than a fixed fact.
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