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New Standard for BIN Codes to be introduced from 1st April 2022

Posted On: Wednesday, February 23rd, 2022

New Standard for BIN Codes to be introduced from 1st April 2022

For all credit card numbers, the first six digits of the card number identify the card scheme and also the financial institution that issued the card to the card holder. This is called the BIN which stands for Bank Identification Number.

As financial services continue to grow the existing 6 digit BIN code is no longer sufficient to cover the requirements of the industry. The ISO (the International Standards Organisation) therefore has announced a new standard that extends the BIN length from 6 to 8 digits.

Starting from 1st April 2022, the card schemes will adopt the new ISO standard so that both 6 digit and 8 digits BIN codes will be supported. The total number of digits in the card numbers will remain the same, typically 16 digits. Only the internal structure of the card number is changing.

For the most part, this change will be transparent to Cardholders and Merchants. However reporting, statements and configurations will be impacted. Endeavour will carry out the necessary upgrades to ensure that 8 digit BIN codes are fully supported.

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Kindly note that we do not support cardholders wanting to activate 3D Secure on their card. Please contact your bank directly using the phone number provided on the back of your card.