BIN 423272 — Lookup & Card Details

BIN 423272 is issued by Deutscher Sparkassen- Und Giroverband, from Germany, on the Visa network, as a credit card.

A Bank Identification Number (BIN, or Issuer Identification Number / IIN) is the first 6 to 8 digits of any payment card. It tells the payment network which institution issued the card, what kind of card it is, and where it was issued. For BIN 423272, that institution is Deutscher Sparkassen- Und Giroverband in Germany. The card runs on the Visa network. Transactions settle in EUR.

Visa is the world's largest card network, with cards beginning with the digit 4 and accepted in virtually every country.

In practice this prefix is what a checkout sees first — risk engines score it, gateways route on it, and merchants use it to decide whether to accept the card class at all. BIN 423272 is institutional data under the ISO/IEC 7812 standard — looking it up reveals the issuing program, nothing about any cardholder.