BIN 539640 — Lookup & Card Details

BIN 539640 is issued by Citibank N.A., from United States of America (the), on the Mastercard 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 539640, that institution is Citibank N.A. in United States of America (the). The card runs on the Mastercard network. Transactions settle in USD.

Mastercard is a global network whose BINs fall in the 51–55 and 2221–2720 ranges, accepted at merchants worldwide.

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 539640 itself is public metadata — it identifies the issuer, not the cardholder.