222849 BIN Check - Singapore Mastercard Debit Card
Our log shows clean passes on Disney+, Google Play, Spotify Premium, first charge and renewal both going through.
222849 appears on Mastercard cards issued by YouTrip to Singapore customers. That is the whole identification. Whether it works for you depends on the merchant, and we have those numbers.
Reading the 222849 prefix
- BIN
- 222849
- Card network
- Mastercard
- Issuing country
- Singapore
- Card type
- Debit
- Issued by
- YouTrip
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Not published
- Max cards per account
- 1 virtual
- Issuer risk rating
- Medium
What it costs to run
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 | Wholesale rates (12 currencies) |
| 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 |
|---|---|---|---|---|
| Disney+ | 29 | 27 | 93% | no friction, and no AVS prompt |
| Google Play | 23 | 20 | 87% | cleared on the first attempt, no challenge issued |
| Spotify Premium | 18 | 14 | 78% | first charge and renewal four weeks later both cleared |
| iHerb | 11 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| PlayStation Network | 11 | 4 | 36% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Singapore-region account between 26 Jun 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
The weak spot is iHerb, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- iHerb: 0 of 11 cleared. iHerb checks the card's country on the payment step rather than at checkout, so the decline looks sudden. Fix the address first, then the range.
- PlayStation Network: 4 of 11 cleared. Store credit is region-bound, so the card and the wallet have to be in the same region. Fund the wallet from a matching range rather than attaching the card directly.
Practical notes
- Paste the Singapore billing address YouTrip generates rather than typing your own. One transposed digit is enough to fail the check.
- Your tier allows 1 cards. Dedicating one per merchant is free, and it means a decline traces back to a single number instead of forcing you to freeze the whole account.
- 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.
Our call
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. Take the Debit label seriously though. Some merchant rules treat it differently to credit.
The things people actually ask
What does the 222849 BIN tell a merchant?
In practice the checkout reads YouTrip / Singapore / 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 222849 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only YouTrip can map those. A BIN alone will never get anyone into your money.
Why would 222849 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?
That is the normal case. Every Debit card YouTrip issues in Singapore carries the same six digits. Two people on 222849 can get opposite results at the same checkout, which is why a single review is never conclusive.
Method
We bought a YouTrip card, funded it, and pushed 92 charges through live merchant checkout pages between 26 Jun 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. 65 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 06 September 2026 · 92 charges on record for this range.