The Bank Identification Number (BIN) 431495 is issued by WESTPAC BANKING CORPORATION in TONGA. This is a VISA DEBIT card with 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 431495, you can determine: the card network (VISA), whether it's a credit, debit, or prepaid card (DEBIT), the card level (CLASSIC), the issuing bank (WESTPAC BANKING CORPORATION), and the country of issuance (TONGA). This information is useful for payment processors, merchants, and fraud prevention systems.