The Bank Identification Number (BIN) 540195 is issued by HEARTLAND BANK LIMITED in NEW ZEALAND. This is a MASTERCARD DEBIT card with STANDARD 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 540195, you can determine: the card network (MASTERCARD), whether it's a credit, debit, or prepaid card (DEBIT), the card level (STANDARD), the issuing bank (HEARTLAND BANK LIMITED), and the country of issuance (NEW ZEALAND). This information is useful for payment processors, merchants, and fraud prevention systems.