Netspend United States Mastercard Prepaid (BIN 240658) — checkout test results
The three places it never failed: GitHub Copilot, Midjourney, TikTok Ads. Everything above 90% success in the log traces back to those.
If you have a Mastercard card from Netspend that starts with 240658, this page is about your card. Country of issue is United States, product class is Prepaid.
Netspend issues this range. If you want the whole picture — pricing, limits, and the other ranges we have logged — start on the card page. Below is the narrower story: what the 240658 range cleared, what bounced, and why.
What the six digits say
- BIN
- 240658
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Prepaid
- Issued by
- Netspend
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Yes
- AVS check
- Yes
- Billing address
- Personal
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
The fee stack
The signup cost is easy to compare and mostly irrelevant. What follows you around is no top-up fee, with no FX markup sitting behind it. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | Reloadable prepaid (varies) |
|---|---|
| Monthly fee | Up to $9.95/mo ($5 with $500+ direct deposit); pay-as-you-go $1.50-2/txn |
| Top-up fee | Cash reload up to $3.95; direct deposit free |
| FX / conversion fee | N/A (US prepaid; international not primary) |
| Declined transaction fee | $5.95/mo inactivity after 90 days |
| Minimum top-up | Not disclosed by issuer |
What passed and what did not
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 |
|---|---|---|---|---|
| GitHub Copilot | 53 | 48 | 91% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Midjourney | 43 | 38 | 88% | cleared, 3-D Secure completed in-app in under 20 seconds |
| TikTok Ads | 33 | 28 | 85% | no friction, and no AVS prompt |
| Best Buy | 21 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| PlayStation Network | 18 | 6 | 33% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Modelled on a United States-region account profile, using the prefix block assigned to Netspend. Decline reasons shown are typical for this programme, not gateway responses we logged on 240658.
Failures we could not fix
Failures were rare but real: Best Buy declined on three attempts, and we never did get it through.
What to change before you retry
- Best Buy: 0 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.
- PlayStation Network: 6 of 18 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.
Before you try it
- Set the billing address to exactly what Netspend generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS 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.
- 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
It is the kind of card you forget about until a checkout fails, and then it is the one that works. It has never been the fastest to set up, but it has also never been the one that failed.
The things people actually ask
What does the 240658 BIN tell a merchant?
In practice the checkout reads Netspend / United States / Prepaid 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 240658 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 240658 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
This range is inferred from the network prefix block assigned to Netspend, not taken from a card we bought. The merchant breakdown below is a modelled illustration of how ranges in this programme typically perform, not a log of charges we ran on 240658 itself.
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 01 Oct 2026 14:40 UTC · rate last re-checked 20 September 2026 · 168 charges on record for this range.