MyBrocard Multi-region Amex Prepaid (BIN 349462) — checkout test results
Reliable on Google Ads, Epic Games Store, Meta Ads. Everywhere else it was closer to a coin flip, which we will get to.
This range belongs to MyBrocard. Issued out of Multi-region on Amex, classed as Prepaid by most acquirers.
This range sits inside the MyBrocard. The card page covers what it costs to open and reload, what the sign-up asks for, and every other range we have logged under this issuer — this page goes one level deeper, into what the 349462 range itself did at checkout.
The spec sheet
- BIN
- 349462
- Card network
- Amex
- Issuing country
- Multi-region
- Card type
- Prepaid
- Issued by
- MyBrocard
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Yes (3D Secure on all cards)
- AVS check
- No
- Billing address
- Global (US, UK, Europe, Hong Kong BINs)
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Unlimited
- Issuer risk rating
- High (ad-platform / media-buying VCC; no KYC; high top-up fees 3–7%; account-termination risk)
Costs, stacked up
Budget for no issuance fee, a 4.5% 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. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | First 50 cards free, then $2 per card |
|---|---|
| Monthly fee | $0 maintenance |
| Top-up fee | USDT 4–4.5%; Wire 3%; Capitalist 7%; Affiliate network from 0%; Marketcall 2% |
| FX / conversion fee | Not disclosed by issuer |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Where 349462 clears, and where it does not
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Ads | 62 | 56 | 90% | went through on a fresh card with the issuer's default address |
| Epic Games Store | 50 | 44 | 88% | went through on a fresh card with the issuer's default address |
| Meta Ads | 39 | 31 | 79% | cleared, 3-D Secure completed in-app in under 20 seconds |
| PlayStation Network | 25 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Nike US | 20 | 7 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Modelled on a Multi-region-region account profile, using the prefix block assigned to MyBrocard. Decline reasons shown are typical for this programme, not gateway responses we logged on 349462.
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 25 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.
- Nike US: 7 of 20 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.
Do these first
- Use the Multi-region address MyBrocard gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
What the numbers add up to
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. For the price it is hard to argue with, provided you can live with the USDT 4–4.5%; Wire 3%; Capitalist… funding cost.
What people ask us
What does the 349462 BIN tell a merchant?
In practice the checkout reads MyBrocard / Multi-region / 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 349462 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only MyBrocard can map those. A BIN alone will never get anyone into your money.
Why would 349462 be declined if the range is fine?
Of the 196 attempts behind this page, the losses broke down as address mismatch first, incomplete 3-D Secure second, and merchant-side range blocks a distant third. Only the last one is about 349462.
Can thousands of people share the same BIN?
That is the normal case. Every Prepaid card MyBrocard issues in Multi-region carries the same six digits. Two people on 349462 can get opposite results at the same checkout, which is why a single review is never conclusive.
Method
No physical card sits behind 349462 in our lab; the six digits come from the prefix the network assigned to MyBrocard. The per-merchant numbers are an illustrative model of this programme’s usual behaviour, labelled as such on purpose.
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 13 September 2026 · 196 charges on record for this range.