Credit Card Number and Debit Card Numbers format follow the standard format of ISO/IEC 7812 and it consists of up to 19 digits. The structure is as follows;
- first 6 digits is Bank Identification Number (BIN) or Issuer Identification Number (IIN) while the first digit indicate Major Industry Identifier (MII).
- the next 6 up to 12 digits indicate the individual account identifier.
- the final single check digit calculated using the Luhn algorithm (MOD 10).
It is possible to check the credit card validity by checking the existance of Bank Identification Number (BIN) through FREE Online BIN Checker Services such as provided by bincodes.com. This service normally has a complete database of existing BIN and frequently updated.
The second method to check credit card number is via calculating the final check digit in the full credit card number through mathematical calculation by using Luhn algorithm (MOD 10). The easiest way to do this is via FREE Online Credit Card Checker Service.
While both method to validate credit card mentioned above works well, bear in mind that there is also a service to generate a valid but fake credit card number which may defeat both validation methods. While the numbers generated in valid, there are no valid expiration date, card holder’s name and CVV number which make the purchase impossible.
The International Bank Account Number (IBAN) is a bank identifier to process payments or money transfer within the same country or internationally.
IBAN contains all necessary information such as the account number, bank and branch information and country code so the money transfer can be completed successfully.
The IBAN contains an alphanumeric string of up to 34 characters. The structure is consistent across countries but the length may vary, depending on the national banking standards of the particular country.
The system initially developed to facilitate payments within the European Union and currently has been implemented by most European countries and many countries in the Middle East and the Caribbean. For the time being, more than 66 countries were using the IBAN numbering system.
IBAN does not replace the account holder’s existing bank account details, it simply displays them in a standard, internationally recognised format. As such, it is possible to generate IBAN from bank, branch and account number information. You can use various FREE IBAN Calculator tools available.
If you are going to make payment or fund transfer to a country that used IBAN, it is wise to validate IBAN number prior making international fund transfer to avoid any mistake.
Currently, Malaysia does not use IBAN but has to use IBAN to make any payment of fund transfer to the country that utilize IBAN system. The following countries already implement IBAN system.
||British Virgin Islands
||Bosnia and Herzegovina
||French Southern Territories
||Saint Pierre et Miquelon
||United Arab Emirates
||Wallis and Futuna Islands