BIN 262380: Thailand Mastercard Virtual Card (Debit)
Best hit rate in our run: Netflix, Spotify Premium, App Store. Timestamps in the log, no retries needed.
TrueMoney Mastercard runs this range for Thailand. Six digits, Debit classification, Mastercard rails. Nothing clever about it, which is exactly why it keeps clearing.
The spec sheet
- BIN
- 262380
- Card network
- Mastercard
- Issuing country
- Thailand
- Card type
- Debit
- Issued by
- TrueMoney Mastercard
- 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
- 1 virtual
- Issuer risk rating
- Medium
What you pay, line by line
Expect no issuance fee and no top-up fee. Billing outside USD brings a 3.5% conversion fee with it. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free (no annual fee) |
| Top-up fee | — |
| FX / conversion fee | 3.5% (merchants outside Thailand) |
| Declined transaction fee | 3.5% FX not refunded |
| Minimum top-up | — |
What passed and what did not
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Netflix | 105 | 94 | 90% | went through on a fresh card with the issuer's default address |
| Spotify Premium | 86 | 77 | 90% | went through on a fresh card with the issuer's default address |
| App Store | 66 | 57 | 86% | first charge and renewal four weeks later both cleared |
| PlayStation Network | 43 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Target | 31 | 11 | 35% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a Thailand-region account between 03 Jul 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
If you buy from PlayStation Network, use something else. It declined consistently. Target was fine on retry.
What to change before you retry
- PlayStation Network: 0 of 43 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 31 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 TrueMoney Mastercard
- Use the Thailand address TrueMoney Mastercard gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- Watch the 3.5% 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.
Verdict, briefly
Overall a solid Debit range for Thailand-region accounts. Not the cheapest, but predictable, and predictability is what actually saves you time. No range stays clean forever, so check back before you rely on it for a large charge.
BIN questions, answered
What does the 262380 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer TrueMoney Mastercard, country of issue Thailand, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 262380 a real card number?
No, and this trips people up. 262380 is a range identifier shared across every card TrueMoney Mastercard issues in Thailand. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 262380 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?
That is the normal case. Every Debit card TrueMoney Mastercard issues in Thailand carries the same six digits. Two people on 262380 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
We bought a TrueMoney Mastercard card, funded it, and pushed 331 charges through live merchant checkout pages between 03 Jul 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. 239 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 11 September 2026 · 331 charges on record for this range.