Mastercard Virtual Card BIN 222173 - Australia (Debit)
Best hit rate in our run: Epic Games Store, App Store, Steam. Timestamps in the log, no retries needed.
222173 comes from Zoomex Card and is issued in Australia on Mastercard. We tested it because it shows up repeatedly in threads about Debit ranges that survive renewal charges.
What the six digits say
- BIN
- 222173
- Card network
- Mastercard
- Issuing country
- Australia
- Card type
- Debit
- Issued by
- Zoomex Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Europe/Asia/Australia
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
The fee stack
Pricing, laid out: no issuance fee to open a card, no top-up fee every time you fund it, and no FX markup on conversion. The fee table is short enough to read in full, which is rarer in this category than it should be.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
The test results
This table is the whole record: every attempt we made on the range, with the gateway's answer attached.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Epic Games Store | 66 | 59 | 89% | first charge and renewal four weeks later both cleared |
| App Store | 54 | 47 | 87% | went through on a fresh card with the issuer's default address |
| Steam | 41 | 35 | 85% | first charge and renewal four weeks later both cleared |
| GOAT | 27 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Best Buy | 21 | 7 | 33% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Australia-region account between 02 Jul to 27 Aug 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 GOAT, 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
- GOAT: 0 of 27 cleared. Same mechanic as StockX: funds are captured on seller acceptance. Keep the balance pre-loaded and avoid topping up during the two-minute accept window.
- Best Buy: 7 of 21 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
Three things worth doing
- 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.
- 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.
- Paste the Australia billing address Zoomex Card generates rather than typing your own. One transposed digit is enough to fail the check.
Final word
It is the kind of card you forget about until a checkout fails, and then it is the one that works. Worth keeping if your merchants sit in Australia. Worth ignoring if they do not.
Questions we get about 222173
What does the 222173 BIN tell a merchant?
In practice the checkout reads Zoomex Card / Australia / 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 222173 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 222173 be declined if the range is fine?
Changing one variable at a time is the only way to diagnose this. Address first, then card, then the connection country. We have seen people change all three and learn nothing.
Can thousands of people share the same BIN?
Shared by design. Declines are specific to an account, an address or a connection, which is also why the same range can work for months and then stop for one person only.
Test setup
We bought a Zoomex Card card, funded it, and pushed 209 charges through live merchant checkout pages between 02 Jul to 27 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 148 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 04 September 2026 · 209 charges on record for this range.