BIN 472820
FIRST CAPITAL BANK PLC • MALAWI • VISA
About BIN 472820
BIN 472820 is a VISA debit card operating on the GOLD payment network, issued by FIRST CAPITAL BANK PLC in MALAWI (MW). 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 472820?
A Bank Identification Number (BIN), also called an Issuer Identification Number (IIN), is the first 6–8 digits of a payment card. BIN 472820 identifies FIRST CAPITAL BANK PLC 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 472820?
BIN 472820 was issued by FIRST CAPITAL BANK PLC, a financial institution operating in MALAWI.
In which country is BIN 472820 registered?
BIN 472820 is registered in MALAWI (country code: MW). The issuing bank, FIRST CAPITAL BANK PLC, holds the licence to issue cards under this BIN range in MALAWI. Transactions on these cards typically involve MALAWI-based banking and settlement infrastructure.
Is BIN 472820 a credit, debit, or prepaid card?
BIN 472820 belongs to the debit 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 472820 use?
BIN 472820 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 472820?
The primary currency associated with BIN 472820 is Unknown. This is the currency in which domestic transactions are typically billed for cards under this BIN range when used in MALAWI. International transactions may involve currency conversion depending on the merchant's country.
Does BIN 472820 pass the Luhn check?
Yes — card numbers beginning with BIN 472820 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.
