BIN 540923
5409 2350 4906 1474
BIN 540923 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 Corporate level. The issuing bank is Change Labs NZ PTY, Ltd., based in New Zealand. 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 540923 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 509 BIN ranges issued in New Zealand. See the New Zealand BIN list with its banks, card schemes and card types.
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Open BIN Lookup →Frequently asked questions
What bank issued BIN 540923?
BIN 540923 belongs to Change Labs NZ PTY, Ltd. in New Zealand. A BIN identifies the issuing bank and card range — never an individual account or cardholder.
Is BIN 540923 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.