Amex Credit Cards — Banesco Banco Universal S.A. - IIN 370245

Credit card numbers that start with the Issuer Identification Number (IIN) 370245 are Amex credit cards issued by Banesco Banco Universal S.A. in Venezuela. Note that this is the only IIN range issued by Banesco Banco Universal S.A., so all cards issued by this provider will be of the format 3702 45XX XXXX XXXX. For more information, call Banesco Banco Universal S.A. at +58 212 501 11 11.

Banesco Banco Universal S.A.

3702 45XX XXXX XXXX

3702 Valid Thru 08/2025

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Card Scheme	Amex
Bank Name	Banesco Banco Universal S.A.
Card Brand	AMERICAN EXPRESS
Card Type	CREDIT
IIN	370245
Card Number	3702 45XX XXXX XXXX
Bank Phone	+58 212 501 11 11
Bank City	CARACAS
Bank Country	Venezuela

Anatomy of a Banesco Banco Universal S.A. Amex Credit Card Number

While credit card number may seem like a random string of digits, they actually contain a large amount of valuable data about the card that can be used for validation and verification purposes.

Digit 1 — The MII

The first digit of the card is known as the MII digit, and indicates the credit card's scheme. In this case, the MII of 3 indicates that this is a Amex card.

Digits 1-6 — The IIN / BIN

The first six digits of the card number, inclusive of the MII, are called the IIN (Issuer Identification Number) or BIN (Bank Identification Number). This sequence uniquely identifies the bank that issued the card. In this case, the IIN of 370245 indicates that this card was issued by Banesco Banco Universal S.A. in Venezuela.

Digits 7-15 — The Account Number

Digits 7-15 of the credit card number contain the Primary Account Number, or PAN, issued by the bank to uniquely identify the account holder. These 8 digits are the most important part of the credit card number.

Digit 16 — The Check Digit

The last digit of the card number (the 16th digit in most cases) is the check digit, which is calculated by applying a mathematical formula called the Luhn algorithm to the preceding portions of the account number. While not actually part of the account number itself, the check digit is essential to allow easy validation of card numbers and detection of typos, missed digits, etc.