488893 bin is which bank bin
Executive summary
Public BIN/IIN lookup tools overwhelmingly list 488893 as a Visa BIN issued to a U.S. card issuer — most tools identify Bank of America as the issuer, while at least one names FIA Card Services, N.A.; all results are from third‑party BIN databases, not an official issuer directory (examples: CreditCardValidator and BinCheck show Bank of America [1] [2], while BinCheck.org lists FIA Card Services, N.A. [3]). BIN lookup services warn their databases are informational and can be imperfect [2] [1].
1. What the databases say: multiple tools, same basic picture
Several online BIN/IIN checkers return consistent, basic facts: 488893 is a Visa BIN associated with an issuer in the United States. CreditCardValidator states 488893 indicates a Visa card issued by Bank of America in the United States [1]. Other popular BIN lookup sites likewise mark the BIN as valid and point to a U.S. Visa issuer [2] [4].
2. A key disagreement: Bank of America vs. FIA Card Services, N.A.
Not all databases agree on the named issuer. BinCheck.org (a different BIN-checking site) lists 488893 as issued by FIA Card Services, N.A., and still classifies it as a U.S. Visa card [3]. This divergence illustrates a common reality: different BIN databases may show different issuer names for the same six-digit IIN because of partnerships, card program outsourcing, corporate acquisitions, or update timing (noted implicitly by the differing entries on sites like CreditCardValidator and BinCheck.org) [1] [3].
3. Why BIN lookups can show different issuers
BIN records can change or be delegated: large banks often issue cards through third‑party program managers or subsidiary processors; BIN ownership can be reissued or sold; databases are independently maintained and updated with varying frequency. The sources themselves caution that their tools are informational and not guaranteed accurate, and that only the bank can confirm definitive issuer details [2] [1]. Major BIN databases and aggregators like BinList and bincodes explain the BIN/IIN purpose and note their own scope and update schedules [5] [6].
4. How merchants and consumers should treat these results
Merchants and individuals should use BIN lookups to get a preliminary sense of card network, country, and likely issuer, but not as definitive proof of account ownership or cardholder identity. BIN checker sites explicitly state they accept no liability for absolute accuracy and recommend confirming directly with the bank when necessary [2] [7]. Charge routing and fraud screening systems use BIN data operationally, but those enterprise tools are typically tied to payment‑network lookups and issuer responses beyond public web databases [8] [9].
5. Where to go if you need certainty
Available sources do not provide an official issuer registry for public verification; they show only compiled BIN databases and emphasize their limits [2] [1]. For authoritative confirmation, the sources recommend contacting the card issuer or relying on payment‑network services (Mastercard/Visa) or commercial BIN lookup APIs used by processors — which are beyond the scope of these public pages [2] [9].
6. Takeaway and caution about misuse
The immediate takeaway: public lookup tools indicate 488893 is a U.S. Visa BIN commonly attributed to Bank of America on several sites, though at least one reputable BIN site assigns it to FIA Card Services, N.A., showing inconsistent labeling across databases [1] [3]. BIN information is useful but imperfect; sources repeatedly warn it should not be treated as definitive legal or fraud evidence and that only the bank or payment network can confirm final issuer details [2] [1].
Limitations: this analysis relies solely on publicly accessible BIN databases and their own disclaimers; it does not include private issuer records or payment‑network authoritative lookups, which are not present in the cited reporting (available sources do not mention an official issuer confirmation beyond these BIN databases).