What Are Non-VBV BINs?
Non-VBV BINs (Bank Identification Numbers) are card prefixes that bypass Verified by Visa (VBV) and Mastercard Secure Code (MSC) authentication. For merchants and researchers tracking online payment security, understanding which BINs skip 3D Secure in 2026 is essential. This guide breaks down the latest non-VBV BIN lists for the US, UK, EU, and Australia.
Quick Definitions
- BIN — A unique 6-digit number identifying a card’s issuing bank.
- VBV (Verified by Visa) — Visa’s 3D Secure layer requiring an OTP or security question at checkout.
- MSC (Mastercard Secure Code) — Mastercard’s equivalent 3D Secure protocol.
- OTP — One-time password sent via SMS, email, or app.
- Non-VBV / 2D — Cards that pass checkout without triggering 3D Secure.
Best Non-VBV BINs for 2026
Top US BINs
| BIN | Brand | Issuer | Type | Subtype |
|---|---|---|---|---|
| 430023 | VISA | World’s Foremost Bank | Credit | Classic |
| 438948 | VISA | Commerce Bancshares | Credit | Platinum |
| 488893 | VISA | Fia Card Services | Credit | Platinum |
| 426429 | VISA | Bank of America | Credit | Platinum |
| 480012 | VISA | Fia Card Services | Credit | Gold Premium |
| 486236 | VISA | Capital One Bank | Credit | Platinum |
| 441297 | VISA | First National Bank of Omaha | Credit | Platinum |
| 401398 | VISA | U.S. Bank National Association | Credit | Platinum |
| 431307 | VISA | Fia Card Services | Credit | Signature |
| 426428 | VISA | Fia Card Services | Credit | Platinum |
| 416621 | VISA | World Financial Network | Credit | Classic |
UK & EU Non-VBV BINs
- 401805 — Italy — Debit
- 402360 — Italy — Debit
- 409015 — Spain — Credit
- 413585 — Germany — Credit
- 416029 — Italy — Credit
- 424607 — Netherlands — Credit
- 425723 — Germany — Credit
- 435659 — Spain — Credit
- 450608 — Spain — Credit
- 450625 — Spain — Credit
- 450663 — Belgium — Credit
- 453243 — Germany — Credit
- 454108 — Sweden — Debit
- 454617 — Germany — Credit
- 454618 — Germany — Credit
- 455218 — Belgium — Credit
- 455221 — Spain — Credit
- 455262 — Sweden — Debit
- 456140 — France — Credit
- 456354 — Netherlands — Credit
- 456542 — Italy — Credit
- 456997 — Norway — Debit
- 457101 — Denmark — Debit
- 457109 — Denmark — Debit
- 457119 — Denmark — Debit
- 457136 — Denmark — Debit
- 459996 — Spain — Credit
- 461668 — Jordan — Credit
- 467293 — Italy — Credit
- 477547 — Spain — Credit
- 486447 — Norway — Credit
- 490744 — Germany — Credit
- 490829 — Germany — Credit
- 490943 — Spain — Credit
- 491889 — Sweden — Debit
- 492044 — Germany — Credit
- 492057 — Finland — Debit
- 492119 — Spain — Credit
- 492121 — Spain — Credit
- 492520 — Norway — Debit
- 492591 — Colombia — Credit
- 493846 — Turkey — Credit
- 494028 — Spain — Credit
- 496626 — Spain — Credit
- 497301 — France — Debit
- 497306 — France — Credit
- 523224 — Germany — Credit
- 523252 — Germany — Credit
- 523276 — Germany — Credit
- 523298 — Germany — Credit
- 535329 — Finland — Credit
- 541256 — Sweden — Credit
- 541327 — Belgium — Credit
- 541869 — Italy — Credit
- 543012 — Finland — Credit
- 546899 — Belgium — Credit
- 549003 — Germany — Credit
- 549713 — Germany — Credit
- 552143 — Turkey — Credit
Additional UK Non-VBV BINs
475129, 446281, 489396, 465921, 525302, 518675, 426393, 476372, 446278, 475139, 454313, 465923, 492182, 492181, 476230, 546811, 498824, 446242, 476367, 455572, 492942, 377130, 465904, 476248, 529930, 475124, 552068, 465935, 512687, 557349, 542502, 465946, 379004, 475141, 454742, 475130, 550129, 465911, 531307, 404970, 459654, 465903, 528166, 557361, 379007, 492914, 540758, 379008, 539123, 492945, 550129, 379009, 37900, 379001, 485738, 475139
US Non-VBV BINs by Issuer
- 45978584578 — World’s Foremost Bank — Visa Credit Classic
- 15890987354 — Commerce Bancshares — Visa Credit Platinum
- 15890987354 — FIA Card Services — Visa Credit Platinum
- 15890987354 — Bank of America — Visa Credit Platinum
- 15890985670 — FIA Card Services — Visa Credit Gold Premium
- 15890987354 — Capital One Bank — Visa Credit Platinum
- 15890940521 — First National Bank of Omaha — Visa Credit Platinum
- 15890988932 — FIA Card Services — Visa Credit Signature
- 20880985132 — First National Bank of Omaha — Visa Credit Platinum
Australia & Canada Non-VBV BINs
- 456432 — Suncorp-Metway — Visa Deposit Classic — Australia
- 456430 — Suncorp-Metway — Visa Deposit Classic — Australia
- 460198 — Commonwealth Bank — Visa Credit Classic — Australia
- 456444 — Bank of Western Australia — Visa Credit Business — Australia
- 443446 — Cuscal — Visa Debit Classic — Australia
- 455702 — National Australia Bank — Visa Credit Premier — Australia
- 498416 — Macquarie Bank — Visa Credit Platinum — Australia
- 450004 — Canadian Imperial Bank of Commerce — Visa Credit Business — Canada
- 414790 — First Citizens Bank — Visa Credit Signature — Trinidad and Tobago
Germany & UK Non-VBV BINs
- 455620 — Santander Consumer Bank AG — Visa Credit Premier — Germany
- 415974 — Deutsche Apotheker- und Aerztebank — Visa Credit Premier — Germany
- 523236 — Santander Consumer Bank AG — Mastercard Credit Standard — Germany
- 455600 — Santander Consumer Bank AG — Visa Credit Classic — Germany
- 456874 — Landesbank Berlin AG — Visa Credit Premier — Germany
- 490638 — Barclays Bank PLC — Visa Credit Premier — Germany
- 420208 — UniCredit S.P.A. — Visa Credit Classic — Germany
- 413585 — Commerzbank AG — Visa Credit Premier — Germany
- 546812 — Santander Consumer Bank AG — Mastercard Credit Standard — Germany
- 415423 — Barclays Bank PLC — Visa Credit Platinum — Germany
- 428258 — Landesbank Berlin AG — Visa Credit Classic — Germany
- 427742 — Commerzbank AG — Visa Credit Business — Germany
- 465596 — Deutsche Postbank AG — Visa Credit Business — Germany
- 419403 — Barclays Bank PLC — Visa Credit Classic — Portugal
- 462730 — ZAO Raiffeisenbank — Visa Debit Electron — Russia
- 460312 — Oldenburgische Landesbank AG — Visa Credit Classic — Germany
- 520309 — Deutscher Sparkassen und Giroverband — Mastercard Credit Standard — Germany
- 542555 — EUR Kartensysteme GmbH — Mastercard Credit Standard — Germany
- 546058 — EUR Kartensysteme GmbH — Mastercard Credit Gold — Germany
- 455554 — Deutsche Bank Privat- und Geschäftskunden AG — Visa Credit Classic — Germany
- 464440 — Deutsche Postbank AG — Visa Credit Corporate T&E — Germany
- 414260 — AIB Group (UK) PLC — Visa Credit Business — United Kingdom
- 413777 — Citibank International PLC — Visa Credit Classic — United Kingdom
- 447963 — Citifinancial Europe PLC — Visa Credit Classic — United Kingdom
- 448400 — Citibank International PLC — Visa Purchasing — United Kingdom
- 425727 — Citibank International PLC — Visa Credit Corporate T — United Kingdom
- 440669 — Citifinancial Europe PLC — Visa Credit Business — United Kingdom
- 447965 — Citibank International PLC — Visa Credit Business — United Kingdom
- 448448 — Citibank International PLC — Visa Credit Purchasing — United Kingdom
- 485738 — Citibank International PLC — Visa Credit Corporate T&E — United Kingdom
- 447964 — Citifinancial Europe PLC — Visa Credit Platinum — United Kingdom
- 445984 — Citifinancial Europe PLC — Visa Credit Gold Premium — United Kingdom
- 491002 — Citibank International PLC — Visa Credit Gold Premium — United Kingdom
- 542061 — Citibank International PLC — Mastercard Credit — United Kingdom
- 542064 — Citibank International PLC — Mastercard — United Kingdom
- 546297 — Peoples Bank — Mastercard — United Kingdom
- 546298 — Peoples Bank — Mastercard — United Kingdom
- 547872 — Citibank International PLC — Mastercard Credit Business — United Kingdom
- 516029 — Citifinancial Europe — Mastercard Debit — United Kingdom
- 486483 — HSBC Bank PLC — Visa Credit Corporate T&E — United Kingdom
- 455598 — HSBC Bank PLC — Visa Credit Corporate T&E — United Kingdom
- 454434 — AIB Group (UK) PLC — Visa Debit Classic — United Kingdom
Frequently Asked Questions
What is a non-VBV BIN?
A non-VBV BIN is a card prefix that does not trigger Verified by Visa or Mastercard Secure Code authentication during online checkout, meaning no OTP is required.
How often do non-VBV BIN lists change?
They change frequently. Banks retire vulnerable BINs and add 3D Secure enforcement regularly, so lists should be verified before use.
Which regions have the most non-VBV BINs in 2026?
The US, UK, Germany, Italy, Spain, and Australia appear most frequently in current non-VBV BIN lists.
What is the difference between VBV and MSC?
VBV (Verified by Visa) and MSC (Mastercard Secure Code) are the two major 3D Secure protocols. Both require extra verification; non-VBV/non-MSC cards bypass both.
What is an OTP?
OTP stands for One-Time Password — a unique code generated per transaction, typically sent by SMS or email.
Final Thoughts
Non-VBV BIN lists for 2026 shift constantly as banks tighten security. Use the lists above as a reference point, verify each BIN before relying on it, and check back regularly for updates.
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