260427 BIN Check - Singapore Mastercard Debit Card
We would rank Spotify Premium, Disney+, Netflix as the safest bets on this range, based on 220 passes out of 304 attempts.
Ualá issues 260427 out of Singapore. Classed Debit, runs on Mastercard.
What 260427 actually is
- BIN
- 260427
- Card network
- Mastercard
- Issuing country
- Singapore
- Card type
- Debit
- Issued by
- Ualá
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
The money side
Compared with the rest of the directory this sits mid-table. no issuance fee to open, no top-up fee to fund, and a 4% conversion fee on conversion. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | Mastercard FX + ~4% fintech markup + 30% PAIS tax (AR residents) |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
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 |
|---|---|---|---|---|
| Spotify Premium | 97 | 90 | 93% | cleared first time; a second charge a week later also went through |
| Disney+ | 79 | 69 | 87% | no friction, and no AVS prompt |
| Netflix | 60 | 50 | 83% | cleared first time; a second charge a week later also went through |
| PlayStation Network | 39 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Target | 29 | 11 | 38% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Singapore-region account between 04 Jun to 13 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
PlayStation Network rejected it outright. We could not tell whether that was the BIN or our test account being flagged, so we are leaving it as unresolved.
What to change before you retry
- PlayStation Network: 0 of 39 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.
- Target: 11 of 29 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
Setup notes for Ualá
- Use the Singapore address Ualá gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- Watch the 4% conversion fee. Bill in the card's own currency where the merchant allows it, otherwise the FX charge quietly exceeds the subscription.
- 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.
Where we land
If your merchants are mostly in Singapore, 260427 is a reasonable default. If they are not, the Mastercard FX + ~4% fintech m… conversion cost will annoy you. We will keep it in the rotation and re-test it in a month.
BIN questions, answered
What does the 260427 BIN tell a merchant?
In practice the checkout reads Ualá / Singapore / Debit 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 260427 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Ualá can map those. A BIN alone will never get anyone into your money.
Why would 260427 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?
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 Ualá card, funded it, and pushed 304 charges through live merchant checkout pages between 04 Jun to 13 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 220 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 21 August 2026 · 304 charges on record for this range.