The Bank Identification Number (BIN) 428313 is issued by HERITAGE BANK - A DIVISION OF HERITAGE PEOPLE'S CHOICE LIMITED in AUSTRALIA. This is a VISA DEBIT card with PREPAID CLASSIC 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 428313, you can determine: the card network (VISA), whether it's a credit, debit, or prepaid card (DEBIT), the card level (PREPAID CLASSIC), 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.