The Bank Identification Number (BIN) 490638 is issued by BAWAG P.S.K. BANK FUER ARBEIT UND WIRTSCHAFT UND OSTERREICHISCHE POSTSPARKASSE A in GERMANY. 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 490638, you can determine: the card network (VISA), whether it's a credit, debit, or prepaid card (CREDIT), the card level (GOLD), the issuing bank (BAWAG P.S.K. BANK FUER ARBEIT UND WIRTSCHAFT UND OSTERREICHISCHE POSTSPARKASSE A), and the country of issuance (GERMANY). This information is useful for payment processors, merchants, and fraud prevention systems.