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BIN 431989 is issued by Xfers Pte Ltd, from Singapore, on the Visa network, as a debit 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 431989, that institution is Xfers Pte Ltd in Singapore. The card runs on the Visa network. Transactions settle in SGD.
Visa is the world's largest card network, with cards beginning with the digit 4 and accepted in virtually every country.
Payment processors read these digits on every transaction: they drive routing decisions, currency handling at checkout, fraud scoring and card-product acceptance rules. BIN 431989 carries no personal information: it maps to an issuing institution and card program, never to an individual account or person.
Each position in a BIN carries defined meaning under ISO/IEC 7812. Here is how the 6 digits of 431989 break down.
BIN 431989 is registered to Xfers Pte Ltd in Singapore. The issuing institution is recorded in the card networks' BIN registries and confirmed by the live lookup on this page.
BIN 431989 was issued in Singapore, where card transactions settle in SGD. Country of issuance is set by the issuing institution's registration, not by where the card is used.
BIN 431989 runs on the Visa network as a debit card (Visa Platinum). Visa is the world's largest card network, with cards beginning with the digit 4 and accepted in virtually every country.
Yes. BIN 431989 is public infrastructure data under the ISO/IEC 7812 standard — it identifies the issuing program, not any cardholder. No personal or account data is involved in a BIN lookup.
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