Non-VBV Card BINs and Banks List 2026 (LIVE)

Welcome to the most current, operational Non-VBV BIN list for 2026. This guide is built for carders who need to bypass 3D Secure and OTP verification on major shopping platforms. All BINs listed here have been verified as live and working against Stripe, PayPal, and other common payment gateways. For daily updates and fresh drops, follow our Telegram channel: https://t.me/cyberlenspro and check the master database at cyberlens.pro.

How to Verify Your BIN Works Before You Spend

Before you use any BIN from this list, follow these validation steps to avoid burning a card:

Merchant selection matters: Use these BINs on stores running Stripe or PayPal. These processors have looser VBV enforcement than direct bank gateways.
Debit over credit: Debit BINs from major US banks (TD, US Bank, Wells Fargo) consistently outperform credit cards for bypassing 3D Secure.
Velocity control: Never use the same BIN more than three times per hour. Exceeding this triggers silent declines.

United States: High-Quality Non-VBV Bins

The US market remains the most active for carding. These BINs are sourced from major issuers and bypass 3D Secure on Stripe-protected sites.

Working US Non-VBV Bins

BINBank & Card LevelRegion448275TD BANK, N.A. VISA DEBIT CLASSICUSA448210FIDELITY BANK VISA DEBIT CLASSICUSA448666VISA CREDIT PURCHASINGUSA448670CITIBANK (SOUTH DAKOTA) VISA CREDIT PURCHASINGUSA442813CITIBANK, N.A. VISA CREDIT CLASSICUSA441103JPMORGAN CHASE BANK VISA DEBIT PREMIERUSA426163WACHOVIA BANK, N.A. VISA CREDIT CLASSICUSA471563JPMORGAN CHASE BANK VISA CREDIT PURCHASINGUSA471630U.S. BANK NATIONAL ASSOCIATION VISA CREDIT GSAUSA474398RBC BANK (USA) VISA DEBIT BUSINESSUSA480213CAPITAL ONE BANK (USA) VISA CREDIT BUSINESSUSA482880WACHOVIA BANK, N.A. VISA DEBIT BUSINESSUSA493174HONDA F.C.U. VISA DEBIT PREPAIDUSA403995METABANK VISA DEBIT PREPAIDUSA485620WELLS FARGO BANK VISA CREDIT BUSINESSUSA

Cardable Stores in the United States

Electronics: Amazon.com, Best Buy, Newegg
Software/Services: Adobe Creative Cloud, Autodesk, Microsoft Store
Crypto-Friendly: LocalBitcoins, Paxful, Coinmama
Fashion: Nike, Adidas

Australia: Premium Non-VBV Bins

Australian banks enforce VBV aggressively, but their debit BINs slip through on international processors.

Working Australian Non-VBV Bins

BINBank & Card LevelRegion456432SUNCORP-METWAY LTD VISA DEBIT CLASSICAUSTRALIA456430SUNCORP-METWAY LTD VISA DEBIT CLASSICAUSTRALIA460198COMMONWEALTH BANK VISA CREDIT CLASSICAUSTRALIA456444BANK OF WESTERN AUSTRALIA VISA CREDIT BUSINESSAUSTRALIA443446CUSCAL LTD VISA DEBIT CLASSICAUSTRALIA455702NATIONAL AUSTRALIA BANK VISA CREDIT PREMIERAUSTRALIA468524CITIGROUP PTY LTD VISA CREDIT BUSINESSAUSTRALIA409349INDUE LTD VISA CREDIT CLASSICAUSTRALIA493414INDUE LTD VISA DEBIT CLASSICAUSTRALIA454818VISA AUSTRIA VISA CREDIT CLASSICAUSTRALIA

Cardable Stores in Australia

Electronics: JB Hi-Fi, Kogan, Harvey Norman
Fashion: The Iconic, Best & Less
Crypto: CoinSpot, BTC Markets
Online Shopping: Catch.com.au

Germany: European Non-VBV Bins

German banks have BINs that bypass SecureCode, especially corporate and business cards on international platforms.

Working German Non-VBV Bins

BINBank & Card LevelRegion455620SANTANDER CONSUMER BANK AG VISA CREDIT PREMIERGERMANY455600SANTANDER CONSUMER BANK AG VISA CREDIT CLASSICGERMANY456874LANDESBANK BERLIN AG VISA CREDIT PREMIERGERMANY490638BARCLAYS BANK PLC VISA CREDIT PREMIERGERMANY413585COMMERZBANK AG VISA CREDIT PREMIERGERMANY455554DEUTSCHE BANK VISA CREDIT CLASSICGERMANY523236SANTANDER CONSUMER BANK AG MASTERCARD CREDIT STANDARDGERMANY520309DEUTSCHER SPARKASSEN VERBAND MASTERCARD CREDIT STANDARDGERMANY525615VERBAND DER SPARDA BANKEN E.V. MASTERCARD CREDIT STANDARDGERMANY427742COMMERZBANK AG VISA CREDIT BUSINESSGERMANY

Cardable Stores in Germany

Electronics: MediaMarkt, Saturn, Otto.de
Fashion: Zalando, About You
Software: Steam, GOG.com
Crypto: Bitvavo, Cointrader

United Kingdom: Non-VBV Bins

Corporate and purchasing cards from Citibank are prime targets for bypassing checks on international sites.

Working UK Non-VBV Bins

BINBank & Card LevelRegion414260AIB GROUP (UK) PLC VISA CREDIT BUSINESSUK413777CITIBANK INTERNATIONAL PLC VISA CREDIT CLASSICUK447963CITIFINANCIAL EUROPE PLC VISA CREDIT CLASSICUK425727CITIBANK INTERNATIONAL PLC VISA CREDIT CORPORATE TUK447965CITIBANK INTERNATIONAL PLC VISA CREDIT BUSINESSUK485738CITIBANK INTERNATIONAL PLC VISA CREDIT CORPORATE T&EUK542061CITIBANK INTERNATIONAL PLC MASTERCARD CREDITUK547872CITIBANK INTERNATIONAL PLC MASTERCARD CREDIT BUSINESSUK486483HSBC BANK PLC VISA CREDIT CORPORATE T&EUK

Cardable Stores in the UK

Electronics: Currys PC World, AO.com
Fashion: ASOS, Boohoo, Foot Locker
General: Argos, Tesco Direct
Crypto: Binance Jersey, Wirex

Canada: Non-VBV Bins

Canadian debit cards from RBC and TD bypass VBV on US-based sites.

Working Canadian Non-VBV Bins

BINBank & Card LevelRegion450004CANADIAN IMPERIAL BANK OF COMMERCE VISA CREDIT BUSINESSCANADA451607ROYAL BANK OF CANADA VISA CREDIT BUSINESSCANADA408586THE TORONTO-DOMINION BANK VISA CREDIT CLASSICCANADA544612CANADIAN TIRE BANK MASTERCARD CREDIT STANDARDCANADA518127PRESIDENT’S CHOICE BANK MASTERCARD CREDIT STANDARDCANADA549191MBNA CANADA BANK MASTERCARD CREDIT PLATINUMCANADA

Cardable Stores in Canada

Electronics: Best Buy Canada, Canada Computers
Fashion: Lululemon, Hudson’s Bay
General: Amazon.ca, Walmart Canada
Crypto: Coinsquare, Bitbuy

Brazil: Non-VBV Bins

Brazilian credit card BINs from Itau and Banco do Brasil bypass SecureCode on international merchants.

Working Brazilian Non-VBV Bins

BINBank & Card LevelRegion498406BANCO DO BRASIL S.A. VISA CREDIT PLATINUMBRAZIL490172BANCO ITAUCARD S.A. VISA CREDIT PLATINUMBRAZIL552072ITAU UNIBANCO S.A. MASTERCARD CREDIT PLATINUMBRAZIL552640ITAU UNIBANCO S.A. MASTERCARD CREDIT BUSINESSBRAZIL552289BANCO DO BRASIL S.A. MASTERCARD CREDIT BLACKBRAZIL

Cardable Stores in Brazil

Electronics: Magazine Luiza, Americanas.com
Fashion: Netshoes, Dafiti
Crypto: Mercado Bitcoin, Foxbit

Asia-Pacific (Malaysia, Singapore, Japan)

Japanese and Singaporean cards bypass VBV on many international platforms.

Working Asia-Pacific Non-VBV Bins

BINBank & Card LevelRegion436501VISA CREDIT PLATINUMMALAYSIA436542BANK ISLAM MALAYSIA VISA DEBIT CLASSICMALAYSIA426588UNITED OVERSEAS BANK VISA PLATINUM (CREDIT)SINGAPORE456678MITSUBISHI UFJ FINANCIAL GROUP VISA CREDIT GOLDJAPAN410894BRANCH BANKING AND TRUST COMPANY VISA DEBIT CLASSICUSA (works in APAC)

Cardable Stores in APAC

Electronics: Lazada, Shopee
Fashion: ZALORA
Crypto: Binance, Huobi

European Union (Excluding Germany & UK)

Southern European and Nordic banks have BINs that rarely trigger VBV on international sites.

Working EU Non-VBV Bins

BINBank & Card LevelRegion419403BARCLAYS BANK PLC VISA CREDIT CLASSICPORTUGAL415501LASER NEDERLAND B.V. VISA CREDIT CLASSICNETHERLANDS417624COOPERATIEVE RAIFFEISEN-BOERENLEENBANK RABOB VISA CREDIT PREMIERNETHERLANDS520639ING BANK N.V. MASTERCARD STANDARDNETHERLANDS528910ING BANK N.V. MASTERCARD CREDIT PLATINUMNETHERLANDS450760ING LUXEMBOURG S.A. VISA CREDIT CLASSICLUXEMBOURG416027INTESA SANPAOLO S.P.A. VISA CREDIT BUSINESSITALY416028INTESA SANPAOLO S.P.A. VISA CREDIT PREMIERITALY426389INTESA SANPAOLO S.P.A. VISA CREDIT CLASSICITALY438284BANCA INTESA S.P.A. VISA DEBIT PLUSITALY400192TELLER A.S. VISA DEBIT CLASSICNORWAY434812TELLER A.S. VISA DEBIT CLASSICNORWAY529925SWEDBANK AB MASTERCARDSWEDEN458109SWEDBANK AB VISA DEBIT CLASSICSWEDEN

Cardable Stores in the EU

Electronics: Amazon.fr, Amazon.es, Amazon.it, MediaMarkt
Fashion: Zalando, ASOS (DE/FR), About You
Crypto: Bitvavo (NL), Kraken, Coinbase
General: Otto.de, Cdiscount (FR)

Middle East & Emerging Markets

Corporate cards from the UAE and Saudi Arabia bypass consumer-level OTP verification.

Working Middle East & Emerging Market Non-VBV Bins

BINBank & Card LevelRegion540909HSBC BANK MIDDLE EAST MASTERCARD CREDIT GOLDUNITED ARAB EMIRATES546068CITIBANK MASTERCARD CREDIT PLATINUMUNITED ARAB EMIRATES543448CITIBANK COLOMBIA S.A. MASTERCARDCOLOMBIA546689LAC (PLATINUM) BANCO DE CHILE MASTERCARDCHILE552090POPULAR BANK & TRUST LTD. MASTERCARD PLATINUMDOMINICAN REPUBLIC554860CITIBANK N.A. SUCURSAL DE LIMA MASTERCARD GOLDPERU552000CITIBANK N.A., TAIWAN MASTERCARD PLATINUMTAIWAN400261FINANCIERA EL COMERCIO S.A.E.C.A. VISA GOLD/PREM (Credit)PARAGUAY

Cardable Stores in the Middle East & Emerging Markets

Electronics: Noon.com, Sharaf DG (UAE)
Fashion: Namshi, SIVVI.com (UAE)
General: Amazon.ae, Jumia (Pan-Africa)
Crypto: Rain (Bahrain), Binance, CoinMama

Advanced Tactics & Troubleshooting

What to Do When You Get an OTP

If you receive an OTP prompt, the BIN is flagged as VBV-enabled. Do not attempt to use it again. Add the BIN to your dead list and switch to a different merchant. Sometimes a BIN works on Amazon but not on Best Buy.

Velocity Checks

A “Declined” message without an OTP means you hit a velocity limit. Wait 30–60 minutes before trying any BIN from the same bank. Never run more than 2–3 transactions from the same BIN range within a 10-minute window.

CVV/CVV2 Mismatch Error

This is a basic check failure. Ensure your CVV data is clean and matches the card number. Some older prepaid cards have known CVV generation patterns that can be exploited.

Building Your BIN Arsenal

Verification Protocol

CVV Checker: Use an online CVV checker to validate the card number, expiry, and CVV combination.
AVS Mismatch Test: On a site with AVS, use a real address but intentionally change the ZIP code. A “CVV Match, AVS Mismatch” response confirms the bank is not blocking based on address alone.
The $1 Authorization: Attempt a $1 charge on a simple merchant gateway. If it authorizes without an OTP, the BIN is hot.

Operational Security (OpSec)

Digital OpSec

Never use your home IP. Route traffic through residential proxies matching the card’s country.
Use anti-detect browsers like GoLogin, Kameleo, or Dolphin. Create dedicated profiles for each country/card type.
Use a dedicated machine or virtual machine wiped clean after each operation.

Physical OpSec

Never ship to your real address. Use vacant properties, mail forwarding services, or trusted receivers.
Have a pre-planned cash-out method for converting goods into cash.

Advanced Cash-Out Techniques

Local Market Flip

List items on Facebook Marketplace or Gumtree at 10–15% below retail. Meet in public locations and accept cash only.

Pawn Shop Wash

Take items to pawn shops in low-income neighborhoods. Expect 40–60% of value for instant, untraceable cash.

Consignment Store Pipeline

Take high-end clothing to consignment stores. They sell on your behalf and give you a 40–50% cut.

Gift Card Resale Chain

Card high-value gift cards and sell them for 85–90% face value on Paxful, LocalBitcoins, or CardCash.

Future-Proofing

AI-Powered Fraud Detection

Machine learning models analyze user behavior. Use anti-detect browsers with AI-mimicking features to emulate normal browsing patterns.

Biometric Authentication

The push for biometric verification is growing. Focus on maximizing profits from the current system before it becomes obsolete.

Increased Global Cooperation

Law enforcement shares data across borders. Keep your entire operation confined to a single region whenever possible.

Essential Software & Services

Anti-Detect Browsers

GoLogin: Excellent OS fingerprint spoofing and cookie isolation.
Kameleo: Highly customizable for mimicking mobile devices.
Dolphin {anty}: Strong all-rounder with good automation features.

Proxy Networks

Residential Proxies: Essential for high-value transactions. Providers: Bright Data, Oxylabs.
Mobile Proxies (4G/5G): Extremely effective for mobile-specific apps. Providers: Proxy-Seller, TheSocialProxy.
Datacenter Proxies: Use for low-risk tasks only.

Communication Channels

Telegram: Use with a burner number and fake identity. Enable 2FA and self-destruct timers.
Session: Decentralized, anonymous messenger requiring no phone number.

The Exit Strategy

Diminishing Returns on a BIN

If success rate drops from 80% to 30%, retire the BIN range immediately.

Repeated Manual Review Triggers

If transactions are repeatedly flagged for manual review, abandon the merchant and associated accounts.

Personal Burnout

If paranoia affects your judgment, take a mandatory break. Mental health is critical to operational security.

The Clean Slate Protocol

Securely wipe all storage devices, delete synthetic identities and accounts, dispose of burner phones, and sever all financial ties.

For the most current, live-updated Non-VBV BIN database, visit cyberlens.pro and join our Telegram channel: https://t.me/cyberlenspro. Stay sharp, stay disciplined, and stay profitable.