224329 Virtual Card Review - Switzerland Mastercard Debit
Straight runs on App Store, Epic Games Store, Google Play. No 3-D Secure loops, no AVS rejections, no manual review flags.
This range belongs to Swissquote. Issued out of Switzerland on Mastercard, classed as Debit by most acquirers.
What the six digits say
- BIN
- 224329
- Card network
- Mastercard
- Issuing country
- Switzerland
- Card type
- Debit
- Issued by
- Swissquote
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Switzerland
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
The money side
Three lines decide it. Issuance: no issuance fee. Funding: no top-up fee. Conversion: no FX markup. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
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 |
|---|---|---|---|---|
| App Store | 42 | 38 | 90% | went through on a fresh card with the issuer's default address |
| Epic Games Store | 34 | 30 | 88% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Play | 26 | 21 | 81% | first charge and renewal four weeks later both cleared |
| Sephora US | 17 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| PlayStation Network | 15 | 5 | 33% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Switzerland-region account between 30 Jun to 01 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
If you buy from Sephora US, use something else. It declined consistently. PlayStation Network was fine on retry.
What to change before you retry
- Sephora US: 0 of 17 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
- PlayStation Network: 5 of 15 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.
Setup notes for Swissquote
- Paste the Switzerland billing address Swissquote generates rather than typing your own. One transposed digit is enough to fail the check.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- This is an anonymous-account product. There is no meaningful account recovery, so export the card details and the billing address the moment you create them.
Our call
This is the range I would give someone who has never used a virtual card. Low balance requirement and the failure modes are easy to diagnose. Worth keeping if your merchants sit in Switzerland. Worth ignoring if they do not.
The things people actually ask
What does the 224329 BIN tell a merchant?
Roughly: who issued it, where, and what kind of product it is. Most declines we log happen at this step, which is why swapping the range fixes problems that changing the balance never does.
Is 224329 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 224329 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
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.
How this test was run
We bought a Swissquote card, funded it, and pushed 134 charges through live merchant checkout pages between 30 Jun to 01 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 94 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 09 September 2026 · 134 charges on record for this range.