Short answer: it depends on the type of urban trash bin you mean, but most of the time you should assume the liner is not included unless the product listing or your city specifically says it is.
If you’re talking about public street bins or sidewalk trash cans, they often do not come with liners in the way a home kitchen bin does. Many are designed to be emptied directly, or they use heavy-duty bags that the city or maintenance contractor supplies. Some models have a removable inner bucket, but that is not the same as a disposable liner, and replacement bags are usually bought separately.
For household wheelie bins or municipal bins, liners may be part of a local program. Some cities require specific compostable bags for food waste, while others ask residents to use certain official bags for pay-as-you-throw systems. In those cases, the liner is not automatically included with the bin; you usually have to buy approved bags from the city or a retailer.
Commercial and apartment-building trash bins are a mixed bag. A supplier might include a starter roll of liners with a new bin, but replacement liners are almost always a separate purchase. If you’re ordering a bin for a building or office, check the specs carefully and ask the supplier whether liners are included, what size fits, and whether the bin has liner hooks or a securing ring.
So, in practice: do urban trash bins come with liners? Usually no, or only as a limited starter item. You should plan to buy them separately unless the description clearly says “liners included.” Before buying, measure the bin’s opening and height, confirm the liner type your city requires, and choose a bag with the right strength. If you want a lower-waste option, look for reusable liners or a bin design that can be washed and used without disposable bags.