Do you want to know what credit cards start with 4865? So did we, and we have the results for every 4865 credit card type. Our comprehensive guide is the only resource you will need to help you find the issuing bank or financial institution for every 4865 credit card.

Every credit card has 15 or 16 digits, which might seem like a random string of digits to you, but they are a unique string of numbers. Besides uniquely identifying the cardholder, the digits tell us the type of card, the card issuer, and the individual account. The last digit of the card number, called a check digit, is used by merchants to verify that you correctly entered the first 14 or 15 digits of a credit card number. Rather than being a random string of digits, credit card numbers have a large amount of valuable data contained in them.

What type of credit card starts with 4865?

The first digit of the card, which is 4 in our case, indicates the credit card network. The first number on a credit card is called the Major Industry Identifier (MII) in the card industry, but it is just the first digit to everyone else. Since a ‘4’ MII digit always corresponds with a Visa card, a 4865 credit card is a Visa card!

If the first digit is a 3 it is an American Express card, Diner’s Club card, Carte Blanche card, or a JCB card. When the first digit is a 2 or a 5, it’s a Mastercard, while a Discover card’s first digit is a 6. We’ve solved the first mystery!

What Do The Rest of The Numbers on the Credit Card Mean?

Now that we know that a 4865 credit card is always a Visa card, we can move on to deciphering what the rest of the digits mean. It turns out that the 2nd through 6th digits indicate the card issuer and the type of credit card. Unfortunately, we only have 3 of these 5 numbers, the ‘865’ in the 4865 four-digit number.

Luckily we can still use the ‘865’ digits that we do have to find out who the credit card issuer is by using 4865. Interestingly, the first 4 or 6 numbers of a credit card are called the “Issuer Identification Number” (IIN), sometimes referred to as the “Bank Identification Number” (BIN number). We can then use those digits of the card number to look up which bank or financial institution issued the card.

List of BINs/IINs for Credit Cards and Debit Cards Starting with 4865

After researching the issue, we found the answer to the 4865 credit card type mystery. It turns out that a 4865 card will always be 1 of 100 possible Visa credit or debit cards. You will find these in our helpful list of credit card and debit card numbers. This resource is a valuable source of card information.

Below are the BIN/IIN details, including the banks and issuing institutions, for all 100 of the 4865 credit and debit cards:

BINs/IINs from 486500 to 486510 (Types of Credit Cards and Debit Cards)

• 486500 is a Visa credit card issued by First Charter Bank in the United States
• 486501 is a Visa credit card issued by Citygroup Pty, Ltd. in Australia
• 486502 is a Visa credit card issued by BBVA Banco Frances, S.A. in Argentina
• 486503 is a Visa Prepaid debit card issued by Unibanca, S.A. in Peru
• 486504 is a Visa credit card issued by VTB Bank (Kazakhstan) JSC in Kazakhstan
• 486505 is a Visa credit card issued in the United States
• 486506 is a Visa credit card issued by Citibank in Kenya
• 486507 is a Visa credit card issued by MidSouth Bank, N.A. in the United States
• 486508 is a Visa credit card issued by Citibank Nigeria, Ltd. in Nigeria
• 486509 is a Visa credit card issued by Chase Bank USA, N.A. in the United States
• 486510 is a Visa credit card issued by Nuevo Banco de Santa Fe, S.A. in Argentina

BINs/IINs from 486511 to 486520 (Types of Credit Cards and Debit Cards)

• 486511 is a Visa credit card issued by Compass Bank in the United States
• 486512 is a Visa credit card issued by United Bank in the United States
• 486513 is a Visa credit card issued by Liberty Bank and Trust Company in the United States
• 486514 is a Visa credit card issued by Banco de Bogota in Colombia
• 486515 is a Visa credit card issued by HSBC Bank Argentina, S.A. in Argentina
• 486516 is a Visa Prepaid business debit card issued by Armed Forces Bank, N.A. in the United States
• 486517 is a Visa credit card issued by Western Cooperative Credit Union in the United States
• 486518 is a Visa credit card issued by Citibank in Singapore
• 486519 is a Visa debit card issued by Caisse Nationale des Caisses D’Epargne (CNCE) in France
• 486520 is a Visa credit card issued by Venezolano de Credito S.A. Banco Universal in Venezuela

BINs/IINs from 486521 to 486530 (Types of Credit Cards and Debit Cards)

• 486521 is a Visa credit card issued by Chase Bank USA, N.A. in the United States
• 486522 is a Visa credit card issued by First Midwest Bank in the United States
• 486523 is a Visa credit card issued by Centennial Bank in the United States
• 486524 is a Visa credit card issued by Everbank in the United States
• 486525 is a Visa credit card issued by Washington Trust Bank in the United States
• 486526 is a Visa credit card issued by Lewiston State Bank in the United States
• 486527 is a Visa credit card issued by Allegacy Federal Credit Union in the United States
• 486528 is a Visa credit card issued by Landmark Credit Union in the United States
• 486529 is a Visa credit card issued by Helm Bank, S.A. in Colombia
• 486530 is a Visa credit card issued in the United States

BINs/IINs from 486531 to 486540 (Types of Credit Cards and Debit Cards)

• 486531 is a Visa credit card issued by Fidelity National Card Services, Inc. in the United States
• 486532 is a Visa credit card issued by GE Capital Financial, Inc. in the United States
• 486533 is a Visa credit card issued in the United States
• 486534 is a Visa credit card issued by Westpac Banking Corporation in Canada
• 486535 is a Visa credit card issued by 5Star Bank in the United States
• 486536 is a Visa credit card issued by ICICI Bank, Ltd. in India
• 486537 is a Visa credit card issued in the United States
• 486538 is a Visa credit card issued by Banco Santander Rio, S.A. in Argentina
• 486539 is a Visa credit card issued by 1^st State Bank in the United States
• 486540 is a Visa credit card issued in the United States

BINs/IINs from 486541 to 486550 (Types of Credit Cards and Debit Cards)

• 486541 is a Visa credit card issued by Yes Bank, Ltd. in India
• 486542 is a Visa Prepaid debit card issued in Mexico
• 486543 is a Visa credit card issued in the United States
• 486544 is a Visa credit card issued in the United States
• 486545 is a Visa Classic debit card issued by Bridge Bank National Association in the United States
• 486546 is a Visa credit card issued by Krungthai Card Public Co., Ltd. in Thailand
• 486547 is a Visa debit card issued by Visa Argentina in Argentina
• 486548 is a Visa credit card issued by Fidelity National Card Services, Inc. in the United States
• 486549 is a Visa credit card issued by Banco Provincia de Tierra del Fuego in Argentina
• 486550 is a Visa credit card issued by IberiaBank in the United States

BINs/IINs from 486551 to 486560 (Types of Credit Cards and Debit Cards)

• 486551 is a Visa credit card issued by Union Bank and Trust Company in the United States
• 486552 is a Visa credit card issued by BMO Harris Bank, N.A. in the United States
• 486553 is a Visa credit card issued by Mellan 1^st Business Bank in the United States
• 486554 is a Visa credit card issued by BMO Harris Bank, N.A. in the United States
• 486555 is a Visa credit card issued by Whitney Bank in the United States
• 486556 is a Visa credit card issued by Banco del Tucuman, S.A. in Argentina
• 486557 is a Visa credit card issued in the United States
• 486558 is a Visa credit card issued in the United States
• 486559 is a Visa credit card issued in the United States
• 486560 is a Visa credit card issued by the Truist Financial Corporation in the United States

BINs/IINs from 486561 to 486570 (Types of Credit Cards and Debit Cards)

• 486561 is a Visa credit card issued by Banco Multiple Leon, S.A. in the Dominican Republic
• 486562 is a Visa credit card issued in the United States
• 486563 is a Visa credit card issued by Westpac Banking Corporation in Canada
• 486564 is a Visa credit card issued in the United States
• 486565 is a Visa credit card issued in the United States
• 486566 is a Visa credit card issued by Visa Argentina, S.A. in Argentina
• 486567 is a Visa credit card issued by Turkiye Garanti Bankasi A.S. in Turkey
• 486568 is a Visa credit card issued by Visa Argentina, S.A. in Argentina
• 486569 is a Visa credit card issued by Visa Argentina, S.A. in Argentina
• 486570 is a Visa credit card issued by Nuevo Banco del Suquia S.A. in Argentina

BINs/IINs from 486571 to 486570 (Types of Credit Cards and Debit Cards)

• 486571 is a Visa credit card issued by Nuevo Banco del Bisel, S.A. in Argentina
• 486572 is a Visa credit card issued by Banco Marco, S.A. in Argentina
• 486573 is a Visa credit card issued by Visa Argentina, S.A. in Argentina
• 486574 is a Visa credit card issued in the United States
• 486575 is a Visa credit card issued by HDFC Bank, Ltd. in India
• 486576 is a Visa credit card issued by CapitalMark Bank and Trust in the United States
• 486577 is a Visa credit card issued by Banco Patagonia, S.A. in Argentina
• 486578 is a Visa Corporate credit card issued by BC Card in South Korea
• 486579 is a Visa Corporate credit card issued by BC Card in South Korea
• 486580 is a Visa credit card issued by Bank of the West in the United States

BINs/IINs from 486581 to 486590 (Types of Credit Cards and Debit Cards)

• 486581 is a Visa credit card issued by Westpac Banking Corporation in Canada
• 486582 is a Visa credit card issued by Visa Argentina, S.A. in Argentina
• 486583 is a Visa credit card issued by The Commerce Bank of Washington National Association in the United States
• 486584 is a Visa credit card issued by the Bank of Clark County in Canada
• 486585 is a Visa credit card issued by Nuevo Banco de Santa Fe, S.A. in Argentina
• 486586 is a Visa credit card issued by Axis Bank, Ltd. in India
• 486587 is a debit card issued by BBVA Banco Frances, S.A. in Argentina
• 486588 is a credit card issued by Monroe Bank and Trust in the United States
• 486589 is a credit card issued by M&I Marshall & Ilsley Bank in the United States
• 486590 is a credit card issued by M&I Marshall & Ilsley Bank in the United States 

BINs/IINs from 486591 to 486599 (Types of Credit Cards and Debit Cards)

• 486591 is a credit card issued by M&I Marshall & Ilsley Bank in the United States
• 486592 is a Visa credit card issued in the United States
• 486593 is a Visa debit card issued by Banco Bradesco Cartoes, S.A. in Brazil
• 486594 is a Visa credit card issued by the Royal Bank of Canada in Canada
• 486595 is a Visa credit card issued by Citibank Taiwan, Ltd. in Taiwan
• 486596 is a Visa credit card issued by Banco Patagonia, S.A. in Argentina
• 486597 is a Visa credit card issued by Vales Intercontinentales, S.A. in Costa Rica
• 486598 is a Visa credit card issued in the United States
• 486599 is a Visa credit card issued in the United States

How Many 4865 Credit Cards and Debit Cards Are There?

Our results show that there are 100 different types of 4865 credit and debit cards issued worldwide. We hope this is credit card information is a valuable reference source that satisfies your curiosity. Card numbers change, and banks merge or fail, so accuracy is not guaranteed.

What Do The Final Card Digits Mean? (Primary Account Number and Check Digit)

Now that you’ve gotten this far, you might be curious about what the rest of the digits in your card mean. The 7th to the 15th digits are the Primary Account Number (PAN) for most cards. These eight PAN digits are unique to an account holder and are the most important part of the credit card number. The last digit, called a check digit, is used for verification purposes to avoid charging purchases to the wrong card number.

When typing in your card number, it’s always possible to mistype a digit or two. That’s why the check number, which is the 16th digit, exists. Check digits are used for the detection of typos. The credit card network instantly verifies that everything was entered correctly by running the check digit plus the rest of the preceding portions of the account number through a mathematical formula called the ‘Luhn Algorithm’.

Frequently Asked Questions About 4865 Credit Cards

People often have specific questions about 4865 credit cards. Here are the answers to some of the most common questions people ask.

What do Visa numbers start with?

Visa card numbers always start with a 4. Mastercard numbers start with a 2 or 5, Discover cards start with a 6, and American Express, Diner’s Club, Carte Blanche, and JCB cards begin with a 3.

What are the first 4 digits of a Visa card?

The first 4 digits of a Visa card are part of the Issuer Identification Number (IIN), sometimes referred to as a Bank Identification Number (BIN). The IIN is the first 6 digits of every Visa card and identifies the bank or financial institution that issued the card.

Do all Visa cards start with the same 4 numbers?

Not all Visa cards start with the same 4 numbers. The first digit of a Visa card is always a 4, but the following three digits are unique to the institution that issued the card. Visa issues 999 different four-digit starting numbers ranging from 4000 to 4999.

What do the first 6 digits of a credit card mean?

The first six digits of a credit card are called an Issuer Identification Number (IIN) and are also known as a Bank Identification Number (BIN). This number is used to determine the bank or financial institution that issued the credit card.

What are the last 4 digits of a credit card?

The last 4 digits of a Visa credit card number are three numbers from the Primary Account Number (PAN) plus the final check digit number. The Primary Account Number is unique to the cardholder and is used to identify who made the transaction. The last digit, called the check digit, is used to verify that all of the card numbers were entered correctly.

Do all Visa cards have 16 digits?

Yes, all Visa cards have 16 digit card numbers, as do Mastercards and Discover cards. American Express cards have 15 digit card numbers, while Diner’s Club cards have 14 digits.

Can a Visa card have 14 digits?

A Visa card cannot have 14 digits because every Visa card has a 16 digit card number. Diner’s Club and Carte Blanche cards are the only ones that have 14 digit card numbers.

Do some cards have 15 digits?

Yes, American Express cards have 15 digit card numbers. Visa and Mastercard, on the other hand, have 16 digit card numbers.

What is a Visa card number example?

An example of a Visa card number is 4400000000000008. Since only Visa cards start with a 4 and have 16 digits, we know this card is a valid Visa card example. The first six digits, called the Industry Identification Number (IIN), are 440000. The Primary Account Number (PAN) is 00000000, which is used to assign transaction data to the correct cardholder. Lastly, the last digit, which is 8, is the check digit. A check digit is used to verify that the preceding 15 card numbers were entered correctly.

How can I find my Visa card number online?

You can find your Visa card number using your online account portal. Log in to your account and view the PDF version of your monthly credit card statement. Your card number will is printed on the card statement.

How do you change the PIN on a Visa debit card?

To change the PIN on your Visa debit card, call the number printed on the back of your card or visit your local bank branch. Some banks also allow you to change your PIN using their banking app or online account portal.

Can you tell if a card is a credit or debit card by the number?

Yes, you can tell if a card is a credit or debit card using the first six digits of the card. These six digits are called the Bank Identification Number (BIN) and are unique to a specific card. A BIN number database can be used to identify whether the card is a credit card or a debit card.

What numbers does Mastercard start with?

Mastercard card numbers start with a 2 or a 5. While most Mastercards use a 5 for the first number, the company began issuing cards with 2 as the first number in 2017.

How do I know if a number is Visa or Mastercard?

You can know whether a card number is a Visa or Mastercard by using the card’s first digit. Visa cards always have a ‘4’ for the first digit, while Mastercards start with a ‘2’ or a ‘5’.

Does Citibank charge foreign transaction fees?

The standard foreign transaction fee for Citi cards is 3%. There are a few exceptions, however. Citi has 8 credit cards with no foreign transaction fees: the Costco Visa Anywhere Credit Card, Costco Visa Anywhere Business Credit Card, Citi Premier Credit Card, Citi / AAdvantage Platinum Select World Elite Mastercard, Citi / AAdvantage Platinum Select Mastercard Credit Card, Expedia Rewards Credit Card from Citi, and Expedia Rewards Voyager Credit Card from Citi.

Is Citibank Visa or Mastercard?

Citibank issues both Visa and Mastercards.

Can I personalize my Chase debit card?

Chase has seven custom debit card designs to choose from, although all are Disney-themed.

How to change my name on a Chase credit card

To change your name on a Chase credit card, call the phone number printed on the back of your card. You will be asked to fill out an account holder name change request form and include proof of your name change. Alternatively, you can call 800-432-3117 or visit your local Chase bank location.

Does Liberty Bank have Zelle?

Yes, Liberty Bank offers Zelle for free to all their account holders. Zelle lets you easily send money to anyone, no matter what bank account they have.

Conclusion: 4865 Credit Card Type? Always a Visa Card!

Our results show that there are 100 different types of 4865 credit and debit cards issued worldwide. We also know that every 4865 credit card or debit card is a Visa. We hope this is credit card information is a helpful resource that satisfies your curiosity. Credit card numbers change, card numbers are re-assigned, and local banks merge or fail, so accuracy is not guaranteed.