BIN 230610: Vietnam Mastercard Virtual Card (Credit)
We would rank TikTok Ads, Meta Ads, Google Ads as the safest bets on this range, based on 154 passes out of 217 attempts.
MB Bank Hi Ads Mastercard runs this range for Vietnam. Six digits, Credit classification, Mastercard rails. Nothing clever about it, which is exactly why it keeps clearing.
The spec sheet
- BIN
- 230610
- Card network
- Mastercard
- Issuing country
- Vietnam
- Card type
- Credit
- Issued by
- MB Bank Hi Ads Mastercard
- 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
- Not published
- Issuer risk rating
- Medium
The fee stack
The first charge carries an undisclosed issuance fee. Every charge after it carries no top-up fee, and outside USD, a 1.5% conversion fee. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | — |
|---|---|
| Monthly fee | 220,000 VND/year |
| Top-up fee | — |
| FX / conversion fee | 1.5% |
| Declined transaction fee | — |
| Minimum top-up | — |
What passed and what did not
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| TikTok Ads | 69 | 63 | 91% | no friction, and no AVS prompt |
| Meta Ads | 56 | 49 | 88% | no friction, and no AVS prompt |
| Google Ads | 43 | 35 | 81% | cleared on the first attempt, no challenge issued |
| GOAT | 28 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Tidal | 21 | 7 | 33% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a Vietnam-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
One consistent miss: GOAT. That acquirer appears to blocklist the range. Tidal also declined, though only once.
What to change before you retry
- GOAT: 0 of 28 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.
- Tidal: 7 of 21 cleared. Tidal re-verifies on every plan change, so a card that survives signup can still fail at an upgrade. Keep the address static between changes.
Before you try it
- 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.
- 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.
- Paste the Vietnam billing address MB Bank Hi Ads Mastercard generates rather than typing your own. One transposed digit is enough to fail the check.
Verdict, briefly
The 3-D Secure behaviour is the reason we keep it. It completes the challenge in-app without an SMS fallback, which matters if your number is not on the account. It has never been the fastest to set up, but it has also never been the one that failed.
BIN questions, answered
What does the 230610 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 230610 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only MB Bank Hi Ads Mastercard can map those. A BIN alone will never get anyone into your money.
Why would 230610 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 Credit card MB Bank Hi Ads Mastercard issues in Vietnam carries the same six digits. Two people on 230610 can get opposite results at the same checkout, which is why a single review is never conclusive.
What we did
We bought a MB Bank Hi Ads Mastercard card, funded it, and pushed 217 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. 154 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 12 September 2026 · 217 charges on record for this range.