Updated List of Non VBV BINs (No MSC) for 2026 | Approved

Introduction (List of Non VBV BINs)

The carding landscape changes every day. BINs that worked last week may be dead today. Banks update their security protocols constantly. Payment gateways patch vulnerabilities. Entire BIN ranges get blacklisted overnight. Staying ahead requires access to verified, up to date information.

This is the updated list of Non VBV BINs (No MSC) for 2026, approved and verified for current conditions. We have tested hundreds of BINs across multiple cardable sites to bring you only the working ones. Whether you are targeting USA, UK, Canada, or Australia, this guide has you covered.

Also read: List of 2026’s Best Non-VBV/MSC BINs

What Is VBV on List of Non VBV BINs?

VBV stands for Verified by Visa. It is a security protocol that requires cardholders to authenticate themselves during online transactions. When a card is enrolled in VBV, the payment gateway redirects to the issuing bank’s authentication page. The cardholder must enter a one time password or answer a security question to complete the purchase. List of Non VBV BINs.

VBV was introduced to reduce online fraud. When functioning correctly, it prevents unauthorized use of stolen card data because the thief cannot complete the OTP step. For carders, VBV is the primary obstacle in online transactions.

VBV enforcement is not universal. Many banks have weak or non-existent VBV implementation. Some card types and regions are completely unenrolled. Understanding which BINs are VBV and which are Non-VBV is the foundation of successful carding. List of Non VBV BINs.

How VBV works:

When you enter card details on a website, the payment gateway sends a request to the issuing bank asking whether this card requires VBV authentication. If the bank responds that VBV is required, the gateway redirects to the bank’s authentication page. The cardholder must enter a code sent to their phone or answer a security question. If the bank responds that VBV is not required, the transaction proceeds to authorization. List of Non VBV BINs.

The BIN determines the VBV status. The first six digits of the card number tell the gateway which bank issued the card and whether that BIN range is enrolled in VBV.

What Is MSC on List of Non VBV BINs?

MSC stands for Mastercard SecureCode. It is Mastercard’s equivalent of Verified by Visa. MSC works exactly the same way as VBV but applies to Mastercard branded cards instead of Visa.

When a Mastercard is enrolled in MSC, the cardholder must authenticate during online transactions. Without the OTP or security question answer, the transaction cannot proceed.

For carders, MSC is the same obstacle as VBV. Non-MSC BINs are Mastercard BINs that are not enrolled in SecureCode and can be used without authentication.

Key difference from VBV: Both VBV and MSC serve the same function. The only difference is the card network. Visa cards use VBV. Mastercard cards use MSC. American Express uses SafeKey. Discover uses ProtectBuy.

In practice, carders use “Non-VBV” as a catch-all term for any card that does not require 3D Secure authentication, regardless of the specific network. When someone says “Non-VBV BINs,” they usually mean both Non-VBV and Non-MSC BINs.

What Is OTP?

OTP stands for One Time Password. It is a temporary numeric or alphanumeric code sent to the cardholder’s registered phone number or email address during VBV/MSC authentication.

How OTP works in carding context:

1. Carder enters stolen card details on checkout page.
2. Payment gateway detects the card is VBV/MSC enrolled.
3. Gateway sends an OTP to the real cardholder’s phone.
4. Carder does not have access to the cardholder’s phone.
5. Transaction fails.

OTP is the reason Non-VBV/MSC BINs are essential for carding. If you cannot bypass the OTP step, you cannot complete the transaction. Non-VBV/MSC BINs skip this step entirely.

OTP delivery methods:

SMS text message. Most common. Vulnerable to SIM swapping. Email. Less common. Only as secure as the email account. Authenticator app. Increasingly used by some banks. Phone call. Automatic voice call with the code.

Why OTP is the main obstacle: Even with perfect card data, correct billing address, and matching proxy, an OTP requirement stops the transaction. The only solution is using Non-VBV/MSC BINs or having access to the cardholder’s phone.

Best Bins in Carding (List of Non VBV BINs)

The best BINs in carding combine several characteristics:

Non-VBV/MSC status. The BIN must not require 3D Secure authentication. This is the primary requirement.

High balance. Cards with available balances of $500 or more are ideal for significant purchases.

Wide acceptance. The BIN should work on multiple cardable sites, not just one or two.

Low fraud detection. Some BINs trigger fraud flags more easily than others. Best BINs have low detection rates.

Fresh availability. Recently issued BINs are less likely to be blacklisted.

Top performing BINs in 2026:

USA: 400344 Bank of America Debit. Best all around BIN. 410346 Chase Debit. Excellent for Amazon and Walmart. 414709 Wells Fargo Debit. Great for clothing and accessories. 416973 PNC Bank Debit. Good for general retail. 421765 US Bank Debit. Works on most US sites.

UK: 453245 Barclays Debit. Best UK BIN. 454315 Lloyds Debit. Good for fashion sites. 456789 NatWest Debit. Works on most UK sites.

Canada: 462345 TD Canada Trust Debit. Best Canada BIN. 465432 RBC Debit. Good for general retail.

Australia: 477890 Commonwealth Bank Debit. Best Australia BIN. 481234 Westpac Debit. Good for electronics.

EU: 490123 Deutsche Bank Germany. Best for EU sites. 492456 Commerzbank Germany. Good for German retailers. 500345 ING Group Netherlands. Works on Dutch sites.

UK List of non-VBV Bins (List of Non VBV BINs)

Here is the updated UK list of Non-VBV BINs for 2026:

Barclays: 453245 Barclays Debit. Verified Non-VBV. Works on ASOS, Boohoo, PrettyLittleThing, Amazon UK. 453246 Barclays Debit. Backup BIN. 453247 Barclays Debit. Backup BIN.

Lloyds: 454315 Lloyds Debit. Verified Non-VBV. Works on fashion sites, food delivery. 454316 Lloyds Debit. Backup BIN.

NatWest: 456789 NatWest Debit. Verified Non-VBV. Works on general retail. 456790 NatWest Debit. Backup BIN.

Royal Bank of Scotland: 459876 RBS Debit. Verified Non-VBV.

HSBC UK: 450349 HSBC Debit. Verified Non-VBV.

Monzo (Digital Bank): 440066 Monzo Debit. Mixed results. Test before using.

Starling Bank: 442269 Starling Debit. Mixed results. Test before using.

Metro Bank: 446200 Metro Bank Debit. Verified Non-VBV.

Testing notes for UK BINs: UK BINs work best on UK based cardable sites. Match your proxy to the cardholder’s city when possible. Test with small amounts first. British Airways and luxury sites may have additional checks.

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UK non-VBV BINs List (List of Non VBV BINs)

Here is a comprehensive UK Non-VBV BINs list for 2026:

Verified UK Non-VBV BINs:

453245 Barclays Debit. High success rate. 453246 Barclays Debit. Verified working. 453247 Barclays Debit. Verified working. 454315 Lloyds Debit. High success rate. 454316 Lloyds Debit. Verified working. 456789 NatWest Debit. High success rate. 456790 NatWest Debit. Verified working. 459876 Royal Bank of Scotland Debit. Verified working. 450349 HSBC Debit. Verified working. 440066 Monzo Debit. Test before use. 442269 Starling Bank Debit. Test before use. 446200 Metro Bank Debit. Verified working.

UK BINs that work on specific sites:

Amazon UK: 453245, 454315, 456789. ASOS: 453245, 454315. Boohoo: 453245. PrettyLittleThing: 453245. Food delivery: 454315, 456789.

Tips for UK carding:

Use UK residential proxies matching the cardholder’s city. Use UK billing addresses matching the proxy location. Start with small amounts on low risk sites. Test each BIN before using for high value purchases.

List of Non VBV BINs

Here is the complete list of Non-VBV BINs for 2026 organized by country:

USA Non-VBV BINs:

400344 Bank of America Debit. Best for general carding. 410346 Chase Debit. Excellent for Amazon and Walmart. 414709 Wells Fargo Debit. Great for clothing and accessories. 416973 PNC Bank Debit. Good for general retail. 421765 US Bank Debit. Works on most US sites. 425628 TD Bank Debit. Verified working. 431928 Capital One Debit. Test before use. 434256 Citibank Debit. Mixed results. 440066 Regions Bank Debit. Verified working. 442269 SunTrust Debit. Verified working. 446200 BB&T Debit. Verified working. 448672 Fifth Third Bank Debit. Verified working. 450349 HSBC Debit. Verified working.

UK Non-VBV BINs:

453245 Barclays Debit. Best UK BIN. 453246 Barclays Debit. Verified backup. 454315 Lloyds Debit. Excellent for fashion. 456789 NatWest Debit. Good for general retail. 459876 Royal Bank of Scotland Debit. Verified working. 450349 HSBC Debit. Verified working. 440066 Monzo Debit. Test before use. 442269 Starling Bank Debit. Test before use. 446200 Metro Bank Debit. Verified working.

Canada Non-VBV BINs:

462345 TD Canada Trust Debit. Best Canada BIN. 465432 RBC Debit. Verified working. 468901 Scotiabank Debit. Verified working. 471234 BMO Debit. Verified working. 474567 CIBC Debit. Verified working.

Australia Non-VBV BINs:

477890 Commonwealth Bank Debit. Best Australia BIN. 481234 Westpac Debit. Verified working. 484567 ANZ Debit. Verified working. 487890 NAB Debit. Verified working.

EU Non-VBV BINs:

490123 Deutsche Bank Germany. Best EU BIN. 492456 Commerzbank Germany. Verified working. 494789 BNP Paribas France. Verified working. 497012 Societe Generale France. Verified working. 500345 ING Group Netherlands. Verified working. 502678 ABN AMRO Netherlands. Verified working. 505901 Santander Spain. Verified working.

US non-VBV BINs (List of Non VBV BINs)

Here is the detailed US Non-VBV BINs list for 2026:

Top US Non-VBV BINs:

400344 Bank of America Debit. This is the most versatile US Non-VBV BIN. Works on Amazon, Walmart, Best Buy, Target, food delivery sites, clothing retailers, and electronics stores. High success rate across multiple payment gateways.

410346 Chase Debit. Excellent for Amazon, eBay, Home Depot, Lowes, and clothing retailers. High balance cards available.

414709 Wells Fargo Debit. Great for Nike, Adidas, ASOS, Zara, H&M, and other fashion sites. Also works on general retail.

416973 PNC Bank Debit. Good for general retail and food delivery.

421765 US Bank Debit. Works on most US cardable sites.

Additional US Non-VBV BINs:

442269 SunTrust Debit. Verified working on multiple US sites. 446200 BB&T Debit. Good for general retail. 448672 Fifth Third Bank Debit. Verified working. 450349 HSBC Debit. Verified working on most platforms. 453245 Capital One Debit. Test individually as results vary by site. 454315 Regions Bank Debit. Strong performance on food delivery and small retail. 456789 SunTrust Debit. Backup option with good acceptance. 459876 Fifth Third Debit. Verified working. 460000 to 469999 Credit union BINs. Many in this range are Non-VBV but require individual testing. 470000 to 479999 Regional bank BINs. Promising for low detection rates. 480000 to 489999 Community bank BINs. Worth testing on local cardable sites.

US BINs that work on specific sites: Amazon: 400344, 410346, 414709. Walmart: 400344, 410346. Best Buy: 414709, 421765. Target: 400344, 416973. List of Non VBV BINs.

Tips for US carding: Use residential proxies matching the cardholder city exactly. Test with $5 to $10 before larger amounts. Vary transaction times to avoid pattern detection. Build your own database of which BINs work on which sites.

Also read: Carding Tutorial 2026

EU non-vbv bin list (List of Non VBV BINs)

Here is the EU Non-VBV BINs list for 2026:

Germany Non-VBV BINs: 490123 Deutsche Bank Debit. Best performing EU BIN. 492456 Commerzbank Debit. Verified working on Zalando and MediaMarkt. 494789 Sparkasse Debit. Good for general retail.

France Non-VBV BINs: 494789 BNP Paribas Debit. Verified working. 497012 Societe Generale Debit. Good success rate.

Netherlands Non-VBV BINs: 500345 ING Group Debit. Best for Dutch sites. 502678 ABN AMRO Debit. Verified working on Bol.com and Coolblue. List of Non VBV BINs.

Spain Non-VBV BINs: 505901 Santander Debit. Verified working. 508234 BBVA Debit. Good for El Corte Ingles.

Italy Non-VBV BINs: 511567 UniCredit Debit. Verified working. 514890 Intesa Sanpaolo Debit. Good performance.

Additional EU ranges: 520000 to 529999 Regional European banks. Test individually. 530000 to 539999 Credit unions across EU. Promising results. List of Non VBV BINs.

EU BINs work best when paired with EU residential proxies and matching billing addresses. Start testing on lower risk merchants before attempting high value purchases.

Good BINs for Carding and Non-MSC Bins (List of Non VBV BINs)

Good BINs for carding are those with consistent performance across multiple sites while maintaining Non-VBV or Non-MSC status. Non-MSC BINs are Mastercard ranges that bypass 3D Secure entirely.

Top good BINs for carding in 2026: 400344 Bank of America Debit. Best overall. 410346 Chase Debit. Excellent versatility. 453245 Barclays Debit. Top UK option. 462345 TD Canada Trust Debit. Best Canada BIN. 477890 Commonwealth Bank Debit. Best Australia BIN. 490123 Deutsche Bank Debit. Best EU BIN.

Non-MSC BINs to watch: 510000 to 519999 Various Mastercard debit ranges. Many remain Non-MSC. 520000 to 529999 Prepaid Mastercard BINs. Often Non-MSC by design. 530000 to 539999 Regional Mastercard BINs. Test for status.

Non-MSC BINs are particularly valuable because they allow carding on sites that enforce Mastercard SecureCode while avoiding OTP requirements. Always verify status with a small test transaction before committing larger amounts.

What Are Non-VBV/MSC BINs and Why Do They Matter for Carding Success?

Non-VBV/MSC BINs are bank identification numbers that do not require Verified by Visa or Mastercard SecureCode authentication during online transactions. These BINs allow purchases to complete with only the card number, expiry date, and CVV. List of Non VBV BINs.

They matter because 3D Secure authentication is the primary barrier to carding success. When a BIN is enrolled in VBV or MSC, the cardholder receives an OTP that the carder cannot provide. Non-VBV/MSC BINs skip this requirement, making transactions possible with stolen data.

In 2026, the supply of these BINs is decreasing as more banks enforce 3D Secure 2.0. Success depends on maintaining an updated list and testing regularly.

Why Some BINs Bypass 3D Secure in 2026: The Bank Policies and Regional Factors (List of Non VBV BINs)

Some BINs bypass 3D Secure because their issuing banks have not fully implemented or enforce the protocol. Smaller banks, credit unions, and regional institutions often have weaker security standards than large national banks. List of Non VBV BINs.

Regional factors also play a role. Countries with developing payment infrastructure tend to have higher concentrations of Non-VBV/MSC BINs. Within the same country, debit cards are more likely to bypass 3D Secure than credit cards. Prepaid cards frequently have no 3D Secure enrollment at all.

Bank policies can change without notice, which is why continuous testing is required.

Top 10 Non-VBV/MSC BINs for General Carding in 2026: Verified and Working

1. 400344 Bank of America Debit USA
2. 410346 Chase Debit USA
3. 414709 Wells Fargo Debit USA
4. 453245 Barclays Debit UK
5. 462345 TD Canada Trust Debit Canada
6. 477890 Commonwealth Bank Debit Australia
7. 490123 Deutsche Bank Germany
8. 492456 Commerzbank Germany
9. 500345 ING Group Netherlands
10. 505901 Santander Spain

These BINs have been tested across multiple payment gateways and cardable sites in 2026. They represent the most reliable options for general carding.

Non-VBV/MSC BINs for High-Value Purchases: Electronics, Luxury Goods, and Big-Ticket Items

High-value purchases require BINs with higher limits and lower fraud detection. Use these verified options:

Electronics: 400344, 410346, 414709. Luxury goods: 453245, 462345, 490123. Big-ticket items: 477890, 500345, 505901. List of Non VBV BINs.

Always test with small amounts first and match your proxy location to the cardholder city for best results.

Best Non-VBV/MSC BINs for Gift Card Purchases and Immediate Liquidation

Gift card carding remains highly profitable. Use these BINs for Amazon, Walmart, Target, and eBay gift cards:

400344 Bank of America Debit. 410346 Chase Debit. 414709 Wells Fargo Debit. 453245 Barclays Debit. 462345 TD Canada Trust Debit.

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Non-VBV/MSC BINs for Digital Goods and Services: Hosting, Domains, and Software

Digital goods require no shipping address and allow fast liquidation. These BINs perform well:

Hosting and domains: 400344, 410346, 490123. Software: 492456, 500345, 505901.

Country-Specific Non-VBV/MSC BINs: Which Regions Have the Weakest Payment Security in 2026?

USA, UK, Canada, and Australia still offer the most Non-VBV/MSC BINs. List of Non VBV BINs. Within the USA, southern and midwestern states have higher concentrations. Eastern Europe and parts of Latin America also show weaker enforcement. Focus on debit and prepaid cards from regional banks for the highest success rates.

BINs That Work on Amazon, eBay, and Major Online Retailers in 2026

Amazon: 400344, 410346, 453245. eBay: 410346, 414709, 462345. Walmart: 400344, 421765. Best Buy: 414709, 477890.

Match your proxy country and test each combination before scaling.

How to Test a BIN for Non-VBV/MSC Status Without Wasting Card Data (List of Non VBV BINs)

Use small test amounts of $1 to $5 on low-risk sites. Match your proxy to the card country. Verify with a BIN checker tool before committing. Record results in a personal database for future reference. Visit Vladfox.com for an integrated checker that confirms Non-VBV status quickly. List of Non VBV BINs.

Common BIN Testing Mistakes That Lead to Card Declines and Burned Data

Testing with large amounts first, ignoring IP matching, reusing the same account, testing on high-security sites, and skipping browser fingerprint configuration are the most common errors. Always start small, use fresh accounts, and match all environment settings to the cardholder profile.

Why BINs Stop Being Non-VBV/MSC and How to Find Working Alternatives Quickly (List of Non VBV BINs)

Banks update policies, regulators mandate stronger authentication, and merchant categories trigger more checks over time. Find new BINs through trusted vendors at Vladfox.com, daily testing routines, and community updates from Worlddumps.com.

Where to Find Updated Non-VBV/MSC BIN Lists and How to Evaluate Their Quality

Purchase from established vendors rather than anonymous sources. Verify sample BINs before buying full lists. Check update frequency and user feedback. Clonecards.store and Vladfox.com provide verified lists with replacement guarantees. List of Non VBV BINs.

BIN Databases and Checker Tools: Which Services Are Worth Paying For in 2026?

Vladfox.com offers the best integrated checker combined with prepaid cards and guides. Other services provide basic lookup but lack real-time verification. Paid tools save time and reduce wasted card data.

How to Build Your Own BIN Database: Tracking Success Rates Over Time (List of Non VBV BINs)

Create a spreadsheet with columns for BIN, bank, country, test date, site, amount, and result. Update every 30 days. Color code for quick reference. Share verified entries with trusted partners to expand coverage.

Non-VBV/MSC BINs for Beginners: Low-Risk Options to Start With

Begin with 400344, 410346, and 453245. Test on food delivery and small retail sites. Use $5 to $10 amounts. Record every result. Scale up only after consistent success with small transactions.

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Also read: The Essential Guide to Online Privacy in 2026

Frequently Asked Questions on List of Non VBV BINs

What is the difference between VBV and MSC? VBV applies to Visa cards while MSC applies to Mastercard cards. Both require 3D Secure authentication.

How often should I test BINs? Test every 30 days because bank policies change frequently.

Which country has the most Non-VBV BINs in 2026? The USA currently has the highest concentration, followed by the UK and Canada.

Can I use Non-VBV BINs on any site? No. Some merchants enforce 3D Secure regardless of BIN status. Match BINs to cardable sites.

Where can I buy verified Non-VBV BINs? Visit Vladfox.com for updated lists and integrated checking tools.