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BIN 464976 is issued by Hay Limited, from Australia, 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 464976, that institution is Hay Limited in Australia. The card runs on the Visa network. Transactions settle in AUD .
Visa is the world's largest card network, with cards beginning with the digit 4 and accepted in virtually every country.
Merchants, fraud teams, ad platforms and developers use BIN data to route transactions, localize checkout, detect chargebacks and decide which card products they accept. BIN 464976 itself is public metadata — it identifies the issuer, not the cardholder.
Each position in a BIN carries defined meaning under ISO/IEC 7812. Here is how the 6 digits of 464976 break down.
BIN 464976 is registered to Hay Limited in Australia. The issuing institution is recorded in the card networks' BIN registries and confirmed by the live lookup on this page.
BIN 464976 was issued in Australia, where card transactions settle in AUD . Country of issuance is set by the issuing institution's registration, not by where the card is used.
BIN 464976 runs on the Visa network as a debit card (Visa Gold). Visa is the world's largest card network, with cards beginning with the digit 4 and accepted in virtually every country.
Yes. BIN 464976 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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