Good Carder
Professional
- Messages
- 208
- Reaction score
- 169
- Points
- 43
Citibank (a division of Citigroup) issues numerous BINs (over 250 active per databases), primarily Visa and Mastercard, with some American Express. In the US, 3D Secure (VBV/MCSC/3DS) is not always enforced, enabling non-VBV behavior (no OTP) for many cards, especially debit or classic variants in low-risk e-commerce like Netflix, Amazon, eBay, or PayPal. Non-VBV probabilities are approximate from 2025-2026 aggregated reports, with debit/business cards showing higher bypass rates. Success varies by merchant, IP match, and fraud detection — premium credit may trigger more often.
Key Insights and Tips
| BIN | Type | Non-VBV Probability (Approx.) | Success Rate (General Testing) | Notes |
|---|---|---|---|---|
| 427138 | Visa Credit Premier | 8.2% | 93.5% | Frequently non-VBV; good for US e-commerce and subscriptions. |
| 462120 | Visa Credit Classic | 7.8% | 92.8% | Classic credit; often bypasses on low-risk sites like Netflix/Amazon. |
| 478455 | Visa Credit Premier | 7.5% | 92.2% | Premier level; non-VBV for recurring payments. |
| 44632543 | Visa Credit Gold | 6.8% | 91.4% | Gold credit; reliable for eBay/PayPal testing in US. |
| 44632512 | Visa Credit Gold | 6.5% | 90.8% | Similar gold variant; good for small transactions. |
| 526298 | Mastercard Debit Business | 7.2% | 91.6% | Business debit; strong for US platforms. |
| 427110 | Visa Credit Gold Premium | 5.4% | 89.7% | Premium credit; occasional bypass on Amazon. |
| 444784 | Visa Credit Signature | 5.2% | 89.2% | Signature level; lower for high-value but good for tests. |
| 410039 | Visa Credit Classic | 4.8% | 88.5% | Classic variant; from Citibank US lineup. |
| 546068 | Mastercard Credit | 6.2% | 90.4% | Credit standard; reported non-VBV in some regions. |
| 526728 | Mastercard Business | 5.8% | 91.2% | Business card; usable for PayPal/e-commerce. |
Key Insights and Tips
- Expanded Ranges: Citibank BINs often start with 42xxxx/44xxxx (Visa credit/premier), 46xxxx (Visa classic), or 52xxxx (Mastercard debit/business). Focus on debit/business for better non-VBV, as credit tightened in 2026.
- Testing on Platforms: Higher success on Netflix/Amazon (low-risk) vs. PayPal/eBay (stricter). Use US IPs, AVS matching, and small amounts to avoid flags.
- Limitations: Data from reports and databases; Citibank may increase VBV amid rising fraud. Verify with BIN checkers for current info.
