BIN 264378 (United Arab Emirates, Mastercard) - What It Works On
66 of 94 attempts cleared, and most of those came from three merchants: Epic Games Store, App Store, Google Play.
This range belongs to Fundall. Issued out of United Arab Emirates on Mastercard, classed as Debit by most acquirers.
What the six digits say
- BIN
- 264378
- Card network
- Mastercard
- Issuing country
- United Arab Emirates
- Card type
- Debit
- Issued by
- Fundall
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
What it costs to run
The money side is simple: no issuance fee, a 1% top-up fee, and no FX markup on anything billed outside USD. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | Free (first) / $2 |
|---|---|
| Monthly fee | Free |
| Top-up fee | 1% of amount funded |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | 5 |
The test results
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 |
|---|---|---|---|---|
| Epic Games Store | 30 | 28 | 93% | first charge and renewal four weeks later both cleared |
| App Store | 24 | 20 | 83% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Play | 18 | 15 | 83% | went through on a fresh card with the issuer's default address |
| Nike US | 12 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Hetzner | 10 | 3 | 30% | Soft decline on the retry after an earlier failure on the same account. |
Run from a United Arab Emirates-region account between 26 Jun 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 Nike US, use something else. It declined consistently. Hetzner was fine on retry.
What to change before you retry
- Nike US: 0 of 12 cleared. Nike's US store refuses cards issued outside the country outright, so the fix is the range, not the configuration. A domestic-issued range clears; a foreign one never will.
- Hetzner: 3 of 10 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
Do these first
- Use the United Arab Emirates address Fundall gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- This range does not advertise 3-D Secure. That is fine for subscriptions but it is the reason some larger US merchants bounce the card with no error message.
- 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.
What the numbers add up to
It is the kind of card you forget about until a checkout fails, and then it is the one that works. For the price it is hard to argue with, provided you can live with the 1% of amount funded funding cost.
What people ask us
What does the 264378 BIN tell a merchant?
In practice the checkout reads Fundall / United Arab Emirates / 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 264378 a real card number?
No, and this trips people up. 264378 is a range identifier shared across every card Fundall issues in United Arab Emirates. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 264378 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?
That is the normal case. Every Debit card Fundall issues in United Arab Emirates carries the same six digits. Two people on 264378 can get opposite results at the same checkout, which is why a single review is never conclusive.
How we got these numbers
We bought a Fundall card, funded it, and pushed 94 charges through live merchant checkout pages between 26 Jun 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. 66 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 12 September 2026 · 94 charges on record for this range.