How are PAN cards issued


The Primary Account Number (PAN) uniquely identifies credit cards and debit cards,[1] it is a payment card number.[2]

The PAN is encoded on track 2 of a credit / debit card.

Table of Contents


When paying with a card, the PAN is read out in addition to other information; this can be converted into the country, credit institution, bank code and account number with the help of databases. The PAN is printed on card payment receipts. Often some of the PAN digits are replaced by x. This is called PAN truncation.[3]


ISO / IEC 7812 defines the following structure.

  • The first character is a Major Industry Identifier (MII).
  • The first six characters are called the Issuer Identification Number (IIN), formerly also known as the Bank Identification Number (BIN). These are awarded by the American Bankers Association (ABA).
  • The last character is a check digit, calculated with the Luhn algorithm.
  • The total length is up to 19 characters.

The IIN of the German debit cards start with 672, the IIN of the savings bank cards with 59.

For German debit cards, the coding of the PAN is as follows:

672German debit card prefix
pppppfive-digit institute number
kkkkkkkkkkten-digit account number
zCheck digit

Institute number

The central associations of the banking industry and the Deutsche Bundesbank have specified a separate numbering system for international card payments using bank cards; then the card-issuing bank receives a five-digit bank number.[4]

Award and appearance

The institute number has five digits. The Bundesbank has a current list of bank codes and the associated PAN institute number available for download.[5] Each institute number is assigned to exactly one sort code (RoutingNumber), the reverse does not apply. There is no way to convert the 5-digit bank number and the 8-digit bank code into one another.

The first PAN institute number for a payment service provider is listed in the bank code list in the data record with the feature "1 == is the payment service provider managing the bank code". If a payment service provider has several institution numbers for PAN, the other institution numbers are stored under feature 2.[6]

Example: the Aachener Bank in 52001 Aachen, Swiftcode GENODED1AAC (list of bank code from March 4, 2019)

  • has the PAN institute number 63015, which is assigned to the BLZ 39060180
  • there is also the institute number 73015, which is also assigned to the bank code 39060180

See also

Web links

Individual evidence

  1. glossary. (PDF; 78 kB) (No longer available online.) Acertigo, formerly in the original; accessed on October 22, 2010. (Page no longer available, search inWeb archives)  
  2. Information Security - A Comparison of Standards and Frameworks. (PDF) Federal Office for Information Security (BSI), August 18, 2009, p. 15, archived from the original on April 1, 2016; accessed on October 22, 2010. Available at Information Security - A Comparison of Standards and Frameworks. Federal Office for Information Security (BSI), August 18, 2009, archived from the original Retrieved March 4, 2016, November 22, 2010.
  3. PAN truncation. (No longer available online.) In: Swiss Association for Standardization (SNV), formerly in the original; accessed on October 22, 2010. (Page no longer available, search inWeb archives)  
  4. Bank sort code guideline. (PDF) Deutsche Bundesbank, January 8, 2007, archived from the original on January 30, 2012; Retrieved September 14, 2009.
  5. Download - bank codes. Deutsche Bundesbank, accessed on November 20, 2018.
  6. Leaflet bank sort code file. (PDF) Deutsche Bundesbank, December 7, 2020, accessed on December 19, 2020. Available at Bank codes. Deutsche Bundesbank accessed on December 19, 2020

Categories:Payment transactions

Status of information: 02/22/2021 2:11:09 AM CET

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