The Bank Identification Number (BIN) 540223 is issued by WESTPAC NEW ZEALAND LIMITED in NEW ZEALAND. This is a MASTERCARD CREDIT card with MIXED 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 540223, you can determine: the card network (MASTERCARD), whether it's a credit, debit, or prepaid card (CREDIT), the card level (MIXED), the issuing bank (WESTPAC NEW ZEALAND LIMITED), and the country of issuance (NEW ZEALAND). This information is useful for payment processors, merchants, and fraud prevention systems.