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false);(function(){ const mantleDependencies = { csAutoRefreshMobileAdhesive: 'true' } ; const pageTargeting = { customSeries: '' ,abtest: 'lcid1' ,tax0: 'inv' ,custom: '' ,rpv: 38 ,pagetitle: 'What Is a Bank Identification Number (BIN), and How Does It Work?' ,rid: 'n2584c76e51684689879ccb709b66827b22' ,url: '/terms/b/bank-identification-number.asp' ,sid: 'n2584c76e51684689879ccb709b66827b22' ,microtags: 'Payment card number,ISO 9362,Payment card,Identity theft,American National Standards Institute' } ; const baseSlotTargeting = { gtemplate: 'term' ,leaid: '1100910' ,revenueGroup: '' ,docId: '4200979' ,viewtype: '' ,type: 'term' ,tax1: 'inv_personal-finance' ,tax2: 'inv_credit-card' ,t: '125' ,au: '214536' ,tier: 'H' ,jny: '0' ,leuid: '160342637727993' ,sbj: '' ,id: '4200979' ,aid: '' ,tax3: 'inv_credit-card-definitions-a-f' ,jnyroot: '' } ; const adLazyOffset = {'mob-square-fixed-intro-1': 750}; pageTargeting.mtax = ['24259','10985']; pageTargeting.w = Mntl.utilities.getW(); const 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If not, the institution declines it.<br/><\/p>" } } , { "@type": "Question", "name": "What Is BIN Scamming?", "acceptedAnswer": { "@type": "Answer", "text": "<p>BIN scamming is a fraud scheme. It occurs when a fraudster calls impersonating someone from your bank, claiming that your account information has been compromised. The scammer may give you information to try to gain your trust. Once you're hooked, they try to confirm your card number and begin by asking where you bank.<\/p><p>When they have that information, they give you the bank identification number and ask that you confirm the remaining digits on the card along with any other information they can get from you.<\/p>" } } , { "@type": "Question", "name": "Why Are BIN Numbers Important?", "acceptedAnswer": { "@type": "Answer", "text": "<p>BINs allow merchants to accept multiple payments at the same time. 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<div id="skip-to-content" class="jump-link"></div> <article id="article--sc_1-0" class="comp article--sc article mntl-article mntl-article--three-column sc-ad-container right-rail" data-rail-bp="mntl-bp-md" data-tracking-container="true"><div class="loc article-left-rail"><div id="sticky-toc-wrapper_1-0" class="comp sticky-toc-wrapper mntl-block js-sticky-container"><div id="sticky-toc_1-0" class="comp sticky-toc mntl-sticky-toc mntl-block sticky-toc-widget" data-desktop-bp="70em"><div id="toc-wrapper_1-0" class="comp toc-wrapper mntl-toc mntl-block" data-offset="60" data-tracking-container="true"><div id="mntl-toc__inner_1-0" class="comp mntl-toc__inner mntl-block"><div id="mntl-toc__heading_1-0" class="comp mntl-toc__heading mntl-block js-toc-toggle"><span id="mntl-toc__heading-text_1-0" class="comp mntl-toc__heading-text mntl-text-block">Table of Contents</span> <div id="mntl-toc-toggle_1-0" class="comp mntl-toc-toggle mntl-block"><button id="mntl-toc-toggle__btn_1-0" class="comp 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data-tracking-container="true" ><span class="link__wrapper">What Is a BIN?</span></a></div></li> <li id="mntl-toc__list-item_2-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_2-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-how-bank-identification-numbers-bins-work" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_2-0" data-tracking-container="true" ><span class="link__wrapper">How BINs Work</span></a></div></li> <li id="mntl-toc__list-item_3-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_3-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-what-are-bins-used-for" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_3-0" data-tracking-container="true" ><span class="link__wrapper">What Are BINs Used for?</span></a></div></li> <li id="mntl-toc__list-item_4-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_4-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-example-of-bin" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_4-0" data-tracking-container="true" ><span class="link__wrapper">Example</span></a></div></li> <li id="mntl-toc__list-item_5-0" class="comp mntl-toc__list-item mntl-block"><div id="mntl-toc__list-item-heading_5-0" class="comp mntl-toc__list-item-heading mntl-block"><a href="#toc-what-is-a-bank-identification-code" rel="nocaes" class="mntl-toc__list-item-link mntl-text-link mntl-toc__list-item-link js-mntl-toc-link" id="mntl-toc__list-item-link_5-0" data-tracking-container="true" ><span class="link__wrapper">FAQs</span></a></div></li> <li id="mntl-toc__list-item_6-0" class="comp mntl-toc__list-item mntl-block"><div 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href="https://www.investopedia.com/credit-card-definitions-6892487" rel="nocaes" class="mntl-text-link mntl-breadcrumbs__link" id="mntl-text-link_2-0" data-tracking-container="true" ><span class="link__wrapper">Credit Card Definitions</span></a></li></ul> <header id="article-header_1-0" class="comp article-header mntl-block right-rail__offset js-toc-appear"><h1 id="article-heading_1-0" class="comp article-heading mntl-text-block">What Is a Bank Identification Number (BIN), and How Does It Work?</h1> <div id="sponsorship-wrapper_1-0" class="comp sponsorship-wrapper mntl-block"></div> <div id="article-meta_1-0" class="comp article-meta mntl-block" data-tracking-container="true"><div id="finance-bylines_1-0" class="comp finance-bylines mntl-bylines"><div id="mntl-bylines__group_1-0" class="comp mntl-bylines__group mntl-block mntl-bylines__group--author"><div id="mntl-bylines__item_1-0" class="comp mntl-bylines__item mntl-attribution__item mntl-attribution__item--has-date"> <span class="mntl-attribution__item-descriptor">By</span> <div data-tooltip="<p>Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia.</p>" tabindex="0" data-inline-tooltip="true"> <a href="https://www.investopedia.com/contributors/53409/" rel="nocaes" data-trigger-link="true" class="mntl-attribution__item-name" tabindex="-1" >Julia Kagan</a> <div id="mntl-author-tooltip_1-0" class="comp mntl-author-tooltip mntl-tooltip mntl-group"> <div class="mntl-author-tooltip__top "> <div class="mntl-author-tooltip__image-wrapper"> <div class="img-placeholder" style="padding-bottom:99.9%;"> <img data-src="https://www.investopedia.com/thmb/A9EqkfoORjn34-jJI3uIBo_HlYQ=/200x200/filters:no_upscale():max_bytes(150000):strip_icc()/Julia_Kagan_BW_web_ready-4-4e918378cc90496d84ee23642957234b.jpg" width="200" height="200" 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class="comp mntl-jwplayer-broad__title mntl-block"><div id="mntl-jwplayer-broad__title--text_1-0" class="comp mntl-jwplayer-broad__title--text mntl-text-block text-utility-100"></div> <button id="mntl-jwplayer-broad__title-icon--close_1-0" class="comp mntl-jwplayer-broad__title-icon--close mntl-block text-label-100" data-click-tracked="false"><span id="mntl-text-block_1-0" class="comp mntl-text-block">Close</span> <svg class="icon close-icon " > <use xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="#close-icon" href="#close-icon"></use> </svg></button></div></div> <div id="article-body_1-0" class="comp article-body mntl-block" data-contain-tooltips="true"><div id="mntl-sc-page_1-0" class="comp mntl-sc-page mntl-block article-body-content" data-sc-sticky-offset="80" data-sc-ad-label-height="0" data-sc-ad-track-spacing="90" data-sc-min-track-height="250" data-sc-max-track-height="600" data-sc-breakpoint="50em" data-sc-load-immediate="1" data-sc-content-positions="[300, 1, 1, 1250, 1, 1, 1, 1]" data-bind-scroll-on-start="true"><span class="heading-toc" id="toc-what-is-a-bank-identification-number-bin"></span><h2 id="mntl-sc-block_1-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> What Is a Bank Identification Number (BIN)? </span> </h2> <p id="mntl-sc-block_2-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> The term bank identification number (BIN) refers to the first four to six numbers on a payment card. This set of numbers identifies the <a href="https://www.investopedia.com/terms/f/financialinstitution.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">financial institution</a> that issues the card. As such, it matches transactions to the issuer of the card being used. BINs can be found on various payment cards, including credit cards, charge cards, and debit cards. </p> <div id="mntl-sc-block_3-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_4-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> The BIN system helps financial institutions identify fraudulent or stolen payment cards and can help prevent identity theft. </p> <div id="mntl-sc-block_5-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_6-0" class="comp mntl-sc-block finance-sc-block-callout mntl-block"><div id="mntl-sc-block_7-0" class="comp mntl-sc-block mntl-sc-block-callout mntl-block theme-whatyouneedtoknow" data-tracking-id="mntl-sc-block-callout" data-tracking-container="true"><h3 id="mntl-sc-block-callout-heading_1-0" class="comp mntl-sc-block-callout-heading mntl-text-block">Key Takeaways</h3> <div id="mntl-sc-block-callout-body_1-0" class="comp mntl-sc-block-callout-body mntl-text-block"><ul><li>A bank identification number is the first four to six numbers that appear on payment cards. </li><li>BINs are found on credit cards, charge cards, prepaid cards, debit cards, and gift cards.</li><li>The BIN helps merchants evaluate and assess their payment card transactions.</li><li>The number allows merchants to accept multiple forms of payment and allows transactions to be processed faster.</li><li>BINs can help financial institutions identify fraudulent or stolen cards and prevent identity theft. </li></ul></div></div></div> <span class="heading-toc" id="toc-how-bank-identification-numbers-bins-work"></span><h2 id="mntl-sc-block_8-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> How Bank Identification Numbers (BINs) Work </span> </h2> <p id="mntl-sc-block_9-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> The bank identification number is a numbering system developed by the <a href="https://www.investopedia.com/terms/a/ansi.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">American National Standards Institute</a> (ANSI) and the <a href="https://www.investopedia.com/terms/i/international-organization-for-standardization-iso.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="2">International Organization for Standardization</a> (ISO) to identify institutions that issue payment cards. The ANSI is a nonprofit organization (NPO) that creates business standards in the U.S., while the ISO is an international nongovernmental group that creates standards for various industries.<span class="ql-inline-citation" data-cite="2"></span><span class="ql-inline-citation" data-cite="1"></span> </p> <div id="mntl-sc-block_10-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_11-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> All payment cards come with a BIN number. This is a set of four to six numbers randomly assigned to debit cards, credit cards, charge cards, gift cards, <a href="https://www.investopedia.com/terms/e/electronic-benefits-transfer.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">electronic benefit cards</a>, and other payment cards. </p> <div id="mntl-sc-block_12-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_13-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> The number is embossed on the front of the card and appears in print just below as well. The first digit specifies the major industry identifier. The digits that follow specify the issuing institution or bank. For example, Visa credit cards start with a four, which falls under the banking and financial category. </p> <div id="mntl-sc-block_14-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_15-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> When a customer makes an online purchase, they enter their card details on the payment page. After submitting the first four to six digits of the card, the online retailer can detect which institution issued the customer’s card, including: </p> <div id="mntl-sc-block_16-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <ul id="mntl-sc-block_17-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> <li>The card brand or Major Industry Identifier, such as Visa, MasterCard, <a href="https://www.investopedia.com/terms/a/american-express-card.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">American Express</a>, and Diner's Club</li> <li>The card level, such as corporate or platinum</li> <li>The card type</li> <li>The issuing bank's country</li> </ul> <div id="mntl-sc-block_18-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_19-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> When the customer initiates a <a href="https://www.investopedia.com/terms/t/transaction.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">transaction</a>, the issuer receives the authorization request to verify if the card and account are valid and whether the purchase amount is available. This process results in the charge being either approved or denied. Without a BIN, the credit card processing system would be unable to determine the origin of the customer's funds and would be unable to complete the transaction. </p> <div id="mntl-sc-block_20-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_21-0" class="comp mntl-sc-block finance-sc-block-callout mntl-block"><div id="mntl-sc-block_22-0" class="comp mntl-sc-block mntl-sc-block-callout mntl-block theme-important" data-tracking-id="mntl-sc-block-callout" data-tracking-container="true"><h3 id="mntl-sc-block-callout-heading_2-0" class="comp mntl-sc-block-callout-heading mntl-text-block"></h3> <div id="mntl-sc-block-callout-body_2-0" class="comp mntl-sc-block-callout-body mntl-text-block"><p>The BIN number allows merchants to accept multiple forms of payment and allows faster processing of transactions.</p></div></div></div> <span class="heading-toc" id="toc-what-are-bins-used-for"></span><h2 id="mntl-sc-block_23-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> What Are BINs Used for? </span> </h2> <p id="mntl-sc-block_24-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> BINs have a variety of useful applications. The primary purpose is to allow merchants to evaluate and assess payment card transactions. </p> <div id="mntl-sc-block_25-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_26-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> They also allow merchants to identify originating banks along with their address and phone number and whether issuing banks are in the same country as the device used to make the transaction. It also verifies the address provided by the customer. </p> <div id="mntl-sc-block_27-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_28-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> But more importantly, the numbering system helps identify <a href="https://www.investopedia.com/terms/i/identitytheft.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">identity theft</a> or potential security breaches by comparing data, such as the address of the issuing institution and the cardholder. </p> <div id="mntl-sc-block_29-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_30-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> BINs are also used to increase the speed and efficiency of checkout when paying with a debit or credit card. As a customer swipes their card, the store's payment processor scans the BIN on their card and validates their account with the card issuer. This also determines whether the transaction is authorized and compliant with relevant national laws. </p> <div id="mntl-sc-block_31-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_32-0" class="comp mntl-sc-block finance-sc-block-callout mntl-block"><div id="mntl-sc-block_33-0" class="comp mntl-sc-block mntl-sc-block-callout mntl-block theme-note" data-tracking-id="mntl-sc-block-callout" data-tracking-container="true"><h3 id="mntl-sc-block-callout-heading_3-0" class="comp mntl-sc-block-callout-heading mntl-text-block no-title"></h3> <div id="mntl-sc-block-callout-body_3-0" class="comp mntl-sc-block-callout-body mntl-text-block"><p>Bank identification numbers are also commonly referred to as <a href="https://www.investopedia.com/terms/i/issuer-identification-number-iin.asp" data-component="link" data-source="inlineLink" data-type="internalLink" data-ordinal="1">issuer identification numbers</a> (IINs).</p></div></div></div> <span class="heading-toc" id="toc-example-of-bin"></span><h2 id="mntl-sc-block_34-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> Example of BIN </span> </h2> <p id="mntl-sc-block_35-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Here's a hypothetical example to show how BINs work. Let's say a customer uses their bank card at the gas pump when they fill up their tank. Once they swipe the card, the system scans the BIN to detect the specific institution that issued the card. </p> <div id="mntl-sc-block_36-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_37-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> An authorization request is then put on the customer's account. The request is authorized within a few seconds, and the transaction is approved if the funds are available or declined if the customer doesn't have enough funds to cover the charge. </p> <div id="mntl-sc-block_38-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_39-0" class="comp mntl-sc-block finance-sc-block-questionandanswer mntl-sc-block-questionandanswer"><span class="heading-toc" id="toc-what-is-a-bank-identification-code"></span> <h2 class="mntl-sc-block-questionandanswer__question">What Is a Bank Identification Code?</h2> <div class="mntl-sc-block-questionandanswer__answer"><p>A bank identification code, also known as a bank identifier code, is a special code made up of eight to 11 digits. It is an international standard that identifies a bank or non-financial institution whenever someone makes an international purchase or transaction. A BIC can be connected or non-connected. The former is part of the SWIFT network and is called a SWIFT code, while the latter is generally used for reference only.</p></div> </div> <div id="mntl-sc-block_40-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_41-0" class="comp mntl-sc-block finance-sc-block-questionandanswer mntl-sc-block-questionandanswer"><span class="heading-toc" id="toc-how-do-you-use-a-bank-identification-number"></span> <h2 class="mntl-sc-block-questionandanswer__question">How Do You Use a Bank Identification Number?</h2> <div class="mntl-sc-block-questionandanswer__answer"><p>Consumers generally don't use BINs, but knowing what they mean is important. The first digit is the major industry identifier, while the remaining digits specify the issuing financial institution.</p><p>When you make a purchase or transaction, the issuing institution receives an authorization request. This request attempts to verify the account's legitimacy and whether the funds are available. If everything checks out, the transaction is approved. If not, the institution declines it.<br/></p></div> </div> <div id="mntl-sc-block_42-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_43-0" class="comp mntl-sc-block finance-sc-block-questionandanswer mntl-sc-block-questionandanswer"><span class="heading-toc" id="toc-what-is-bin-scamming"></span> <h2 class="mntl-sc-block-questionandanswer__question">What Is BIN Scamming?</h2> <div class="mntl-sc-block-questionandanswer__answer"><p>BIN scamming is a fraud scheme. It occurs when a fraudster calls impersonating someone from your bank, claiming that your account information has been compromised. The scammer may give you information to try to gain your trust. Once you're hooked, they try to confirm your card number and begin by asking where you bank.</p><p>When they have that information, they give you the bank identification number and ask that you confirm the remaining digits on the card along with any other information they can get from you.</p></div> </div> <div id="mntl-sc-block_44-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <div id="mntl-sc-block_45-0" class="comp mntl-sc-block finance-sc-block-questionandanswer mntl-sc-block-questionandanswer"><span class="heading-toc" id="toc-why-are-bin-numbers-important"></span> <h2 class="mntl-sc-block-questionandanswer__question">Why Are BIN Numbers Important?</h2> <div class="mntl-sc-block-questionandanswer__answer"><p>BINs allow merchants to accept multiple payments at the same time. They also make payment processing much faster.</p><p>BINs help banks and financial institutions identify cards that have been compromised or stolen because they provide information about the type of card being used, the type of bank, and other information about the issuing company and cardholder.</p></div> </div> <div id="mntl-sc-block_46-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <span class="heading-toc" id="toc-the-bottom-line"></span><h2 id="mntl-sc-block_47-0" class="comp mntl-sc-block finance-sc-block-heading mntl-sc-block-heading"> <span class="mntl-sc-block-heading__text"> The Bottom Line </span> </h2> <p id="mntl-sc-block_48-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Bank identification numbers identify which payment cards belong to which issuing financial institution. Aside from that, they help facilitate financial transactions and protect consumers from identity theft and fraud. That's why it's so important to keep your financial information, including your BIN, confidential. </p> <div id="mntl-sc-block_49-0" class="comp mntl-sc-block mntl-sc-block-adslot mntl-block"></div> <p id="mntl-sc-block_50-0" class="comp mntl-sc-block finance-sc-block-html mntl-sc-block-html"> Remember, your bank will never call or send you an email to inform you that your account information has been compromised. If you ever receive a call, don't engage with the scammer. Instead, hang up and notify your bank. You can also <a href="https://www.ftc.gov/news-events/news/press-releases/2014/05/file-consumer-complaint-ftc-your-mobile-device" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">file a complaint with the FTC</a> on the agency's website.<span class="ql-inline-citation" data-cite="8"></span><br> </p></div> <div id="textnote-placeholder_1-0" class="comp textnote-placeholder mntl-block"></div> <div id="textnote_1-0" class="comp textnote mm-ads-gpt-adunit gpt textnote "> <div id="textnote" class="wrapper" data-timed-refresh="30000" ></div> </div></div> </div><div class="loc article-post-content"><div id="article-sources_1-0" class="comp article-sources mntl-article-sources mntl-expandable-block" data-scroll-offset="100"><div class="loc toggle-content"><div id="mntl-article-sources__wrapper_1-0" class="comp mntl-article-sources__wrapper mntl-block article-sources__wrapper" data-click-tracked="true"><div id="mntl-article-sources__heading_1-0" class="comp mntl-article-sources__heading mntl-text-block article-sources__heading">Article Sources</div> <div id="mntl-article-sources__icon-wrapper_1-0" class="comp mntl-article-sources__icon-wrapper mntl-block article-sources__icon-wrapper"><div id="article-sources__show-icon_1-0" class="comp article-sources__show-icon mntl-block"></div> <div id="article-sources__hide-icon_1-0" class="comp article-sources__hide-icon mntl-block"></div></div></div> </div><div class="loc expandable-content"> <div id="article-sources__disclaimer_1-0" class="comp article-sources__disclaimer mntl-block">Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our <a href="https://www.investopedia.com/legal-4768893#EditorialPolicy" rel="nocaes" class="article-sources__disclaimer-text-link mntl-text-link " id="article-sources__disclaimer-text-link_1-0" data-tracking-container="true" ><span class="link__wrapper">editorial policy.</span></a></div> <div id="mntl-article-sources__citation-sources-1_1-0" class="comp mntl-article-sources__citation-sources-1 mntl-citation-sources mntl-sources" data-tracking-container="true"> <ol class="mntl-sources__content"> <li class="mntl-sources__source" id="citation-2"><p>International Organization for Standardization. "<a href="https://www.iso.org/news/2016/11/Ref2146.html" class="pseudoStyle" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">Changes to the Issuer Identification Number (IIN) Standard</a>."</p></li> <li class="mntl-sources__source" id="citation-1"><p>American National Standards Institute. "<a href="https://www.ansi.org/about_ansi/introduction/introduction?menuid=1" class="pseudoStyle" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1" rel="nofollow">Introduction to ANSI</a>."</p></li> <li class="mntl-sources__source" id="citation-8"><p>Federal Trade Commission. "<a href="https://consumer.ftc.gov/media/video-0054-how-file-complaint-federal-trade-commission" data-component="link" data-source="inlineLink" data-type="externalLink" data-ordinal="1">How to File a Complaint With the Federal Trade Commission</a>."</p></li> </ol> </div> </div></div> <div id="performance-marketing_1-0" class="comp performance-marketing mntl-block "><div id="gam-ad-table_1-0" class="comp gam-ad-table ad-table mntl-block"></div></div> </div><div class="loc article-right-rail"><div id="mm-ads-right-rail_1-0" class="comp mm-ads-right-rail mntl-block"><div id="sc-billboard-group_1-0" class="comp sc-billboard-group mntl-block js-scads-inline-content"><div id="mntl-block_1-0" class="comp mntl-block"><div id="fin-billboard1-sticky-dynamic_1-0" class="comp fin-billboard1-sticky-dynamic mm-ads-sc-sticky-square scads-to-load right-rail__item" data-height="1050" style="height: 1050px;"><div id="mm-ads-sc-sticky-square-ad_1-0" class="comp mm-ads-sc-sticky-square-ad billboard1-dynamic mm-ads-dynamic-square mm-ads-gpt-dynamic-adunit mm-ads-gpt-adunit mm-ads-square gpt square dynamic"> <div id="square-flex-1" class="wrapper" data-timed-refresh="30000" data-type="square" data-pos="atf" data-priority="2" data-sizes="[[300, 250],[300, 600],[300, 1050],[160, 600]]" data-rtb="true" data-wait-for-third-party="false" data-targeting="{}"></div> </div></div></div> <div id="mntl-block_2-0" class="comp mntl-block"><div id="fin-billboard2-sticky-dynamic_1-0" class="comp fin-billboard2-sticky-dynamic mm-ads-sc-sticky-square scads-to-load right-rail__item" data-height="600" style="height: 600px;"><div id="mm-ads-sc-sticky-square-ad_2-0" class="comp mm-ads-sc-sticky-square-ad billboard2-dynamic mm-ads-dynamic-square mm-ads-gpt-dynamic-adunit mm-ads-gpt-adunit mm-ads-square gpt square dynamic"> <div id="square-flex-2" class="wrapper" data-timed-refresh="30000" data-type="square" data-pos="btf1" data-priority="3" data-sizes="[[300, 250],[300, 600],[300, 601],[160, 600], "fluid"]" data-rtb="true" data-wait-for-third-party="false" data-targeting="{}"></div> </div></div></div> <div id="mntl-block_3-0" class="comp mntl-block"><div id="fin-billboard3-sticky-dynamic_1-0" class="comp fin-billboard3-sticky-dynamic mm-ads-sc-sticky-square scads-to-load right-rail__item" data-height="600" style="height: 600px;"><div id="mm-ads-sc-sticky-square-ad_3-0" class="comp mm-ads-sc-sticky-square-ad billboard3-dynamic mm-ads-dynamic-square mm-ads-gpt-dynamic-adunit mm-ads-gpt-adunit mm-ads-square gpt square dynamic"> <div id="square-fixed" class="wrapper" data-timed-refresh="30000" data-type="square" data-pos="btf2" data-priority="5" data-sizes="[[300, 250],"fluid"]" data-rtb="true" data-wait-for-third-party="false" data-targeting="{}"></div> </div></div></div> <div id="mntl-block_4-0" class="comp mntl-block"><div id="native_1-0" class="comp native mm-ads-native " style="--native-ad-height: auto"><div id="mm-ads-native__adunit_1-0" class="comp mm-ads-native__adunit mm-ads-gpt-dynamic-adunit mm-ads-gpt-adunit scads-to-load gpt native dynamic"> <div id="native" class="wrapper" data-timed-refresh="30000" data-type="native" data-pos="native" data-priority="4" data-sizes="[[1, 3],"fluid"]" data-rtb="false" data-wait-for-third-party="false" data-targeting="{}"></div> </div></div> <div id="mid-bankingtable_1-0" class="comp mid-bankingtable finance-ad-table mm-ads-ad-table mntl-block dynamic-inline" data-ad-table="mid-bankingtable"><div id="mm-ads-ad-table__heading_1-0" class="comp mm-ads-ad-table__heading mntl-text-block">Open a New Bank Account</div> <div id="mm-ads-ad-table__disclosure_1-0" class="comp mm-ads-ad-table__disclosure mntl-block" data-tracking-container="true"><button id="mm-ads-ad-table__disclosure-label_1-0" class="comp mm-ads-ad-table__disclosure-label mntl-button"> Advertiser Disclosure </button> <div id="mm-ads-ad-table__disclosure-description_1-0" class="comp mm-ads-ad-table__disclosure-description mntl-block"><div id="mm-ads-ad-table__disclosure-close_1-0" class="comp mm-ads-ad-table__disclosure-close mntl-text-block">×</div> <div id="mm-ads-ad-table__disclosure-content_1-0" class="comp mm-ads-ad-table__disclosure-content mntl-text-block">The offers that appear in this table are from partnerships from which Investopedia receives compensation. 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{"clickToInitialize":false,"playlistUrl":"https:\/\/cdn.jwplayer.com\/v2\/playlists\/OuUfUfmD?search=What+Is+a+Bank+Identification+Number+%28BIN%29%2C+and+How+Does+It+Work%3F&page_description=A+bank+identification+number+%28BIN%29+is+the+initial+set+of+four+to+six+numbers+on+a+credit+card+that+identifies+the+lending+institution.+It+helps+merchants+track+transactions.","skin":{"name":"mantle"},"mute":true,"advertising":{"client":"googima","vpaidmode":"enabled","rules":{"frequency":1},"forceNonLinearFullSlot":true,"vpaidcontrols":true,"autoplayadsmuted":true},"autostart":true,"nextUpDisplay":false,"preload":"metadata","aspectratio":"16:9","pauseotherplayers":"true","cast":{},"recsPlaylistId":"qBk3EEbc","width":"100%"}; // JW player requires `playlist` to be populated for contextual playlists setup.playlist = setup.playlistUrl; const isImmediateAutoplay = false; const playInView = 0; const encodedPageURL = encodeURIComponent(window.location); const domain = Mntl.utilities.getDomain(); 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'.mob' : ''); function formatAdSizeArray(sizeArr) { return sizeArr.map(function(sz) { return sz.join('x'); }).join('|'); } // Assign a randomly-generated, eight character, alpha-numeric value to this property. setup.advertising.adscheduleid = Math.random().toString(36).substr(2,8); // muid - used for audience targeting setup.advertising.ppid = 'dd8d4cd2-61ec-4a04-b966-f165d049e971'; let custParams = ''; custParams += '&' + encodeURIComponent('slot') + '=' + encodeURIComponent('broadmatch'); const inFocus = window && window.document && window.document.hasFocus(); const durationParams = Mntl.JWPlayer.getDurationParams(0, true); custParams += '&ttid=' + setup.mediaid; custParams += '&play=' + Mntl.JWPlayer.getCustomPlayValue(setup.autostart, isImmediateAutoplay, playInView); custParams += '&in_focus=' + inFocus; custParams += '&videoduration=' + durationParams.duration; custParams += '&duration_over=' + durationParams.durationOver; custParams += '&duration_under=' + durationParams.durationUnder; setup.advertising.schedule = [{ "offset": "pre", "tag": [ 'https://securepubads.g.doubleclick.net/gampad/ads?', 'sz=', formatAdSizeArray([[640, 360]]), '&iu=', iuPath, '&env=vp&hl=en&gdfp_req=1&impl=s&output=xml_vast2&unviewed_position_start=1&lid=', '&url=', encodedPageURL, '&description_url=', encodedPageURL, '&correlator=', Math.floor(Date.now() / 1000), '&cust_params=', Mntl.GPT.serializeAllTargeting(), encodeURIComponent(custParams), '&ad_rule=1' ].join('') }]; Mntl.JWPlayer.init({ accountKey: "oxY0/BqWBX09BISmLN4/xuTz4IdZy713Cdjj4GyHOiYCUCyJ", adSizes: [[640, 360]], defer: true, deferOnRFDS: false, displayMode: "none", divId: "mntl-jwplayer-broad__video_1-0", enableBiddingWithTCData: false, enableTVPEngagementBtns: true, eventCategoryType: "Trending", intersectionMargin: "250px", isImmediateAutoplay: isImmediateAutoplay, isImmediateStickyDisabled: false, isIntersectionDisabled: false, isMobileAdhesive: false, isBroadVideo: true, isPlaylist: true, mediaSize: 1080, playerId: "IYlOBiju", playInView: playInView, showCaptions: true, rtbVideoConfig: {"maxduration":60,"minduration":0,"plcmt":2}, useGamPlcmt: true, usePrebidPlcmt: true, useDynamicVideoSizes: true, skipExistingMediaContent: false, stickyplay: false, useMotionThumbnails: false }, setup ); }(window.Mntl || {})); (function(Mntl) { Mntl.Tooltip.init({ defaultPositionX: "auto", defaultPositionY: "auto" }); })(window.Mntl || {}); (function(Mntl) { Mntl.Tooltip.init({ defaultPositionX: "auto", defaultPositionY: "auto" }); })(window.Mntl || {}); (function (Mntl) { Mntl.digioh = { script: null, brandId: null, initialized: false, init() { if (this.initialized) return; const brandId = 'e3542c25-d89b-481c-ac4f-44c01364706b'; const digiohFastActivation = 'false'; const lightboxJs = digiohFastActivation === 'true' ? '/lightbox_speed.js' : '/lightbox_inline.js'; // eslint-disable-next-line prefer-template const script = 'https://www.lightboxcdn.com/vendor/' + brandId + lightboxJs; this.brandId = brandId; this.script = script; this.initialized = true; }, load(callback) { this.init(); if (callback) { Mntl.utilities.loadExternalJS({ src: this.script }, callback); } else { Mntl.utilities.loadExternalJS({ src: this.script }); } } }; })(window.Mntl || {}); Mntl.digiohTimerDelay = parseFloat('0') * 1000; }); </script> <div id="mm-ads-taxAggregator-iframe_1-0" class="comp mm-ads-taxAggregator-iframe"> <div id="taxAggregatorWrapper" style="display: none !important;"> <script> if (document.getElementById("taxAggregatorIframe") === null) { const iframe = document.createElement("iframe"); iframe.id = "taxAggregatorIframe"; document.getElementById("taxAggregatorWrapper").appendChild(iframe); const dotDashOrigin = "https://www.dotdashmeredith.com"; const sendTaxDataToIframe = () => { const { primaryTaxonomyIds } = {"primaryTaxonomyIds":"4173514|4427760|4689721|6892487"}; const tax2 = primaryTaxonomyIds?.split("|")?.[2]; if (tax2 !== undefined) { iframe.contentWindow.postMessage( { tax2 }, dotDashOrigin, ); } } // when iframe loads, send it the taxonomy data iframe.addEventListener("load", sendTaxDataToIframe); // The "load" event fires regardless of whether the network request succeeded/failed, // but we can test for a successful load by sending a message from the iframe itself. // Message is sent here - https://bitbucket.prod.aws.about.com/projects/REVDEV/repos/private-aggregation-api-frontend/browse/index.html let iframeLoaded = false; window.addEventListener("message", event => { if (event.origin === dotDashOrigin && event.data === "success") { iframeLoaded = true; } }); window.addEventListener("readyForThirdPartyTracking", () => { iframe.setAttribute("src", dotDashOrigin + "/privateAggregationAPI/index.html"); }); setTimeout(() => { if (iframeLoaded === false) { console.error("Private Aggregation API document failed to load from dotdashmeredith.com (mm-ads module)"); } }, 6000); } </script> </div> </div></body> </html>