The Bank Identification Number (BIN) 402395 is issued by BANCO UNIVERSAL S.A. UNIBANCO in ECUADOR. This is a VISA CREDIT card with PLATINUM level.
BIN (Bank Identification Number), also known as IIN (Issuer Identification Number), refers to the first 6 digits of a payment card number. These digits identify the card-issuing institution, card type, and other attributes used for routing and fraud prevention.
By looking up BIN 402395, you can determine: the card network (VISA), whether it's a credit, debit, or prepaid card (CREDIT), the card level (PLATINUM), the issuing bank (BANCO UNIVERSAL S.A. UNIBANCO), and the country of issuance (ECUADOR). This information is useful for payment processors, merchants, and fraud prevention systems.