BIN 491431
FIRSTCARIBBEAN INTERNATIONAL BANK (JAMAICA), LTD. • JAMAICA • VISA
About BIN 491431
BIN 491431 is a VISA credit card operating on the GOLD payment network, issued by FIRSTCARIBBEAN INTERNATIONAL BANK (JAMAICA), LTD. in JAMAICA (JM). The default settlement currency for this card is Unknown. This is not a prepaid card — it is linked to a standard bank account or credit facility. Card numbers beginning with this BIN pass the Luhn algorithm validation, confirming they are structurally valid card numbers.
Frequently Asked Questions
What is BIN 491431?
A Bank Identification Number (BIN), also called an Issuer Identification Number (IIN), is the first 6–8 digits of a payment card. BIN 491431 identifies FIRSTCARIBBEAN INTERNATIONAL BANK (JAMAICA), LTD. as the issuing institution for cards carrying this prefix. These digits tell payment processors which bank issued the card before the full transaction is initiated.
Which bank issued BIN 491431?
BIN 491431 was issued by FIRSTCARIBBEAN INTERNATIONAL BANK (JAMAICA), LTD., a financial institution operating in JAMAICA. Their official website is http://www.cibcfcib.com.
In which country is BIN 491431 registered?
BIN 491431 is registered in JAMAICA (country code: JM). The issuing bank, FIRSTCARIBBEAN INTERNATIONAL BANK (JAMAICA), LTD., holds the licence to issue cards under this BIN range in JAMAICA. Transactions on these cards typically involve JAMAICA-based banking and settlement infrastructure.
Is BIN 491431 a credit, debit, or prepaid card?
BIN 491431 belongs to the credit card category. This is not a prepaid card, so it is linked to a standard bank account or approved credit facility.
What payment network does BIN 491431 use?
BIN 491431 operates on the VISA payment network using the GOLD card scheme. This means all transactions made with cards carrying this BIN are routed and processed through VISA's global payment infrastructure.
What currency is associated with BIN 491431?
The primary currency associated with BIN 491431 is Unknown. This is the currency in which domestic transactions are typically billed for cards under this BIN range when used in JAMAICA. International transactions may involve currency conversion depending on the merchant's country.
Does BIN 491431 pass the Luhn check?
Yes — card numbers beginning with BIN 491431 pass the Luhn algorithm. The Luhn algorithm is a standard checksum formula used by payment systems to detect miskeyed or structurally invalid card numbers. A passing result confirms the number range is mathematically valid.
