BIN 250744 (United Arab Emirates, Mastercard) - What It Works On
187 of 261 attempts cleared, and most of those came from three merchants: Google Play, App Store, Steam.
Wio Bank issues 250744 out of United Arab Emirates. Classed Debit, runs on Mastercard.
250744 in plain terms
- BIN
- 250744
- Card network
- Mastercard
- Issuing country
- United Arab Emirates
- Card type
- Debit
- Issued by
- Wio Bank
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
Running costs
Budget for no issuance fee, no top-up fee, and a no decline fee penalty on declined authorizations. That last one only matters if you are pushing a lot of small charges. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | Free |
|---|---|
| Monthly fee | AED 25 (Standard) / AED 49 (Plus); waived with balance |
| Top-up fee | — |
| FX / conversion fee | 2% non-AED |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
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 |
|---|---|---|---|---|
| Google Play | 83 | 76 | 92% | cleared on the first attempt, no challenge issued |
| App Store | 67 | 59 | 88% | cleared on the first attempt, no challenge issued |
| Steam | 52 | 43 | 83% | cleared first time; a second charge a week later also went through |
| Hulu | 33 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Walmart | 26 | 9 | 35% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a United Arab Emirates-region account between 11 Jul to 22 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
The weak spot is Hulu, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Hulu: 0 of 33 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
- Walmart: 9 of 26 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
Do these first
- Paste the United Arab Emirates billing address Wio Bank generates rather than typing your own. One transposed digit is enough to fail the check.
- Bank transfer is the cheap funding route here, but it is not instant. Top up a day before a renewal rather than the same morning.
- 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
Worth having as a backup rather than a primary. When a merchant blocks the popular ranges, 250744 is usually still open. Treat the numbers here as a snapshot of 6 weeks, not a permanent rating.
FAQ
What does the 250744 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Wio Bank, country of issue United Arab Emirates, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 250744 a real card number?
No, and this trips people up. 250744 is a range identifier shared across every card Wio Bank issues in United Arab Emirates. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 250744 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.
Test setup
We bought a Wio Bank card, funded it, and pushed 261 charges through live merchant checkout pages between 11 Jul to 22 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 187 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 28 August 2026 · 261 charges on record for this range.