The Bank Identification Number (BIN) 409774 is issued by HERITAGE BANK - A DIVISION OF HERITAGE PEOPLE'S CHOICE LIMITED in AUSTRALIA. This is a VISA CREDIT card with GOLD 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 409774, you can determine: the card network (VISA), whether it's a credit, debit, or prepaid card (CREDIT), the card level (GOLD), the issuing bank (HERITAGE BANK - A DIVISION OF HERITAGE PEOPLE'S CHOICE LIMITED), and the country of issuance (AUSTRALIA). This information is useful for payment processors, merchants, and fraud prevention systems.