221265 VCC - Netherlands Mastercard Virtual Card Review
The three places it never failed: Epic Games Store, App Store, Google Play. Everything above 90% success in the log traces back to those.
221265 is one of Tot Money's Netherlands ranges, a Debit product on Mastercard.
221265 in plain terms
- BIN
- 221265
- Card network
- Mastercard
- Issuing country
- Netherlands
- Card type
- Debit
- Issued by
- Tot Money
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
The fee stack
The money side is simple: no issuance fee, no top-up fee, and no FX markup on anything billed outside USD. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Epic Games Store | 71 | 67 | 94% | cleared on the first attempt, no challenge issued |
| App Store | 58 | 49 | 84% | first charge and renewal four weeks later both cleared |
| Google Play | 44 | 37 | 84% | no friction, and no AVS prompt |
| Nike US | 29 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Nintendo eShop | 22 | 8 | 36% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a Netherlands-region account between 03 Jul to 04 Sep 2026, with the billing address set to the issuer default unless noted. Declines were logged with the reason the gateway returned.
Failures we could not fix
It failed twice on Nike US, both times on an AVS mismatch rather than a range block. Setting the billing address to the issuer default fixed it.
What to change before you retry
- Nike US: 0 of 29 cleared. Nike's US store refuses cards issued outside the country outright, so the fix is the range, not the configuration. A domestic-issued range clears; a foreign one never will.
- Nintendo eShop: 8 of 22 cleared. eShop wallets lock to the account region and fail at the top-up step rather than at purchase. Change the account region first, then attach the card.
Three things worth doing
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
- Set the billing address to exactly what Tot Money generates for Netherlands. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 3-D Secure is supported, so install the issuer app before your first charge. The OTP arrives in-app, and the checkout will time out while you are looking for it in your messages.
Worth it?
If your merchants are mostly in Netherlands, 221265 is a reasonable default. If they are not, the no FX markup conversion cost will annoy you. Worth keeping if your merchants sit in Netherlands. Worth ignoring if they do not.
What people ask us
What does the 221265 BIN tell a merchant?
In practice the checkout reads Tot Money / Netherlands / Debit and decides. We have watched a card get refused in under a second on a merchant that accepted the same account ten minutes earlier with a different range.
Is 221265 a real card number?
Six digits of a sixteen-digit number. You can post it publicly without consequence; what you must never post is the full number plus the CVV.
Why would 221265 be declined if the range is fine?
Of the 224 attempts behind this page, the losses broke down as address mismatch first, incomplete 3-D Secure second, and merchant-side range blocks a distant third. Only the last one is about 221265.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Tot Money issues in Netherlands carries the same six digits. Two people on 221265 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
We bought a Tot Money card, funded it, and pushed 224 charges through live merchant checkout pages between 03 Jul to 04 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 161 cleared.
Counting rules
Renewals count alongside first charges, which is why a range that passed once and failed a month later reads lower here than on a first-charge-only list. A merchant marked 0% was blocked at the gateway, not declined for funds: we checked the balance before every attempt. Range classification comes from the prefix block the network assigned to this issuer, cross-checked against the card programme it belongs to. Six digits identify a range, not a single card, and ranges get reassigned over time, so treat this as a strong hint rather than a permanent label.
Log through 13 Sep 2026 14:40 UTC · rate last re-checked 07 September 2026 · 224 charges on record for this range.