BIN 401088 (Netherlands, Visa) - What It Works On
Strongest results on Google Play, Epic Games Store, Steam. Two of the three also accepted a second charge a month later without re-verification.
401088 is the Visa range Fizen Card hands out for Netherlands accounts. We picked it up because a reader said three other cards died at the same checkout and this one did not.
The spec sheet
- BIN
- 401088
- Card network
- Visa
- Issuing country
- Netherlands
- Card type
- Debit
- Issued by
- Fizen Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- 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 no FX markup on conversion. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| 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 |
|---|---|---|---|---|
| Google Play | 36 | 32 | 89% | cleared first time; a second charge a week later also went through |
| Epic Games Store | 29 | 25 | 86% | cleared on the first attempt, no challenge issued |
| Steam | 22 | 18 | 82% | no friction, and no AVS prompt |
| Hetzner | 14 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Hulu | 13 | 4 | 31% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a Netherlands-region account between 07 Jul to 18 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 Hetzner, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Hetzner: 0 of 14 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.
- Hulu: 4 of 13 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
Getting it to work first time
- 3-D Secure is supported, so install the issuer app before your first charge. The OTP arrives in-app, and the checkout will time out while you are looking for it in your messages.
- Paste the Netherlands billing address Fizen Card generates rather than typing your own. One transposed digit is enough to fail the check.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
What the numbers add up to
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. The pattern across all 114 attempts was consistent, which is the most useful thing you can say about a card range.
The things people actually ask
What does the 401088 BIN tell a merchant?
In practice the checkout reads Fizen Card / Netherlands / 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 401088 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Fizen Card can map those. A BIN alone will never get anyone into your money.
Why would 401088 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 Fizen Card issues in Netherlands carries the same six digits. Two people on 401088 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 Fizen Card card, funded it, and pushed 114 charges through live merchant checkout pages between 07 Jul to 18 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 79 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 20 August 2026 · 114 charges on record for this range.