BIN 400631
FIRST CITIZENS BANK, LTD. • TRINIDAD AND TOBAGO • VISA
About BIN 400631
BIN 400631 is a VISA credit card operating on the PLATINUM payment network, issued by FIRST CITIZENS BANK, LTD. in TRINIDAD AND TOBAGO (TT). 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 400631?
A Bank Identification Number (BIN), also called an Issuer Identification Number (IIN), is the first 6–8 digits of a payment card. BIN 400631 identifies FIRST CITIZENS BANK, 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 400631?
BIN 400631 was issued by FIRST CITIZENS BANK, LTD., a financial institution operating in TRINIDAD AND TOBAGO. Their official website is https://www.firstcitizenstt.com.
In which country is BIN 400631 registered?
BIN 400631 is registered in TRINIDAD AND TOBAGO (country code: TT). The issuing bank, FIRST CITIZENS BANK, LTD., holds the licence to issue cards under this BIN range in TRINIDAD AND TOBAGO. Transactions on these cards typically involve TRINIDAD AND TOBAGO-based banking and settlement infrastructure.
Is BIN 400631 a credit, debit, or prepaid card?
BIN 400631 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 400631 use?
BIN 400631 operates on the VISA payment network using the PLATINUM 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 400631?
The primary currency associated with BIN 400631 is Unknown. This is the currency in which domestic transactions are typically billed for cards under this BIN range when used in TRINIDAD AND TOBAGO. International transactions may involve currency conversion depending on the merchant's country.
Does BIN 400631 pass the Luhn check?
Yes — card numbers beginning with BIN 400631 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.
