BIN 235572 (Vietnam, Mastercard) - What It Works On
It works on Epic Games Store, Google Play, Steam. Those three account for most of the 134 successful charges we recorded.
A reader asked us to check this VietinBank Virtual Card range because a forum post claimed 235572 was dead. It is not. Here is what we found running it through real merchant checkouts.
The spec sheet
- BIN
- 235572
- Card network
- Mastercard
- Issuing country
- Vietnam
- Card type
- Credit
- Issued by
- VietinBank Virtual Card
- 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
Compared with the rest of the directory this sits mid-table. no issuance fee to open, no top-up fee to fund, and no FX markup on conversion. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | Free |
|---|---|
| Monthly fee | 55,000 VND/year |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Epic Games Store | 59 | 53 | 90% | no friction, and no AVS prompt |
| Google Play | 48 | 43 | 90% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Steam | 37 | 32 | 86% | first charge and renewal four weeks later both cleared |
| Sephora US | 24 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| iHerb | 18 | 6 | 33% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Vietnam-region account between 19 Jun to 21 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
One honest caveat: Sephora US returned a generic decline on all attempts, and we could not determine the cause. Treat it as untested rather than blocked.
What to change before you retry
- Sephora US: 0 of 24 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.
- iHerb: 6 of 18 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.
Practical notes
- Paste the Vietnam billing address VietinBank Virtual Card generates rather than typing your own. One transposed digit is enough to fail the 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.
- 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.
Final word
It is the kind of card you forget about until a checkout fails, and then it is the one that works. Take the Credit label seriously though. Some merchant rules treat it differently to credit.
FAQ
What does the 235572 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 235572 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 235572 be declined if the range is fine?
Of the 186 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 235572.
Can thousands of people share the same BIN?
Yes, and it is worth internalising. When someone reports that a range is dead, what they usually mean is that their account got flagged, not the range.
What we did
We bought a VietinBank Virtual Card card, funded it, and pushed 186 charges through live merchant checkout pages between 19 Jun to 21 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 134 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 26 August 2026 · 186 charges on record for this range.