BIN 523101
5231 0145 1782 4307
BIN 523101 is the Issuer Identification Number (IIN) at the start of a card number. It is issued on the Mastercard network as a debit card at the Prepaid Business level. The issuing bank is Heritage AND People's Choice, Ltd., based in Australia. A BIN identifies the bank and card range only — it never reveals an account number, balance or cardholder.
Card number format for this BIN
Every card number that starts with 523101 follows these Mastercard rules. Its last digit is a Luhn check digit calculated from the digits before it, which is why a mistyped number is usually rejected before a payment is even sent.
🇦🇺 Our dataset lists 2,688 BIN ranges issued in Australia. See the Australia BIN list with its banks, card schemes and card types.
Other BINs from Heritage AND People's Choice, Ltd.
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Open BIN Lookup →Frequently asked questions
What bank issued BIN 523101?
BIN 523101 belongs to Heritage AND People's Choice, Ltd. in Australia. A BIN identifies the issuing bank and card range — never an individual account or cardholder.
Is BIN 523101 a credit or debit card?
It is a debit card on the Mastercard network.
Can I get full card numbers from a BIN?
No. A BIN is only the first 6–8 digits and public routing information. It reveals the scheme, type, bank and country, but never a full card number, balance or cardholder. The sample on this page is randomly generated and holds no funds.