Visa BIN list Visa Credit Cards — Caisse D%27Epargne - IIN 497808

Credit card numbers that start with the Issuer Identification Number (IIN) 497808 are Visa credit cards issued by Caisse D%27Epargne in France. Note that this is the only IIN range issued by Caisse D%27Epargne, so all cards issued by this provider will be of the format 4978 08XX XXXX XXXX. For more information, call Caisse D%27Epargne at (062) 458-9525.

Caisse D%27Epargne
credit card chip
4978 Valid Thru 08/2021
John Q. Cardholder
Card Scheme Visa
Bank Name Caisse D%27Epargne
Card Type CREDIT
IIN 497808
Card Number 4978 08XX XXXX XXXX
Bank Phone (062) 458-9525
Bank Country France

Anatomy of a Caisse D%27Epargne Visa Credit Card Number

While credit card number may seem like a random string of digits, they actually contain a large amount of valuable data about the card that can be used for validation and verification purposes.

Digit 1 — The MII

The first digit of the card is known as the MII digit, and indicates the credit card's scheme. In this case, the MII of 4 indicates that this is a Visa card.

Digits 1-6 — The IIN / BIN

The first six digits of the card number, inclusive of the MII, are called the IIN (Issuer Identification Number) or BIN (Bank Identification Number). This sequence uniquely identifies the bank that issued the card. In this case, the IIN of 497808 indicates that this card was issued by Caisse D%27Epargne in France.

Digits 7-15 — The Account Number

Digits 7-15 of the credit card number contain the Primary Account Number, or PAN, issued by the bank to uniquely identify the account holder. These 8 digits are the most important part of the credit card number.

Digit 16 — The Check Digit

The last digit of the card number (the 16th digit in most cases) is the check digit, which is calculated by applying a mathematical formula called the Luhn algorithm to the preceding portions of the account number. While not actually part of the account number itself, the check digit is essential to allow easy validation of card numbers and detection of typos, missed digits, etc.

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