The Bank Identification Number (BIN) 432196 is issued by VANCITY COMMUNITY INVESTMENT BANK (VCIB) in CANADA. This is a VISA DEBIT card with GIFT 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 432196, you can determine: the card network (VISA), whether it's a credit, debit, or prepaid card (DEBIT), the card level (GIFT), the issuing bank (VANCITY COMMUNITY INVESTMENT BANK (VCIB)), and the country of issuance (CANADA). This information is useful for payment processors, merchants, and fraud prevention systems.