401775 VCC - EEA (Europe) Visa Virtual Card Review
Our log shows clean passes on App Store, Steam, Google Play, first charge and renewal both going through.
The first thing to know about 401775 is that it is not an anonymous range. Nebeus issues it in EEA (Europe) and the Visa prefix is registered, which is why fewer merchants treat it as high risk.
401775 in plain terms
- BIN
- 401775
- Card network
- Visa
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- Nebeus
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EEA/UK
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low-Medium
The money side
The money side is simple: no issuance fee, no top-up fee, and no FX markup on anything billed outside USD. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| App Store | 86 | 77 | 90% | cleared first time; a second charge a week later also went through |
| Steam | 69 | 62 | 90% | first charge and renewal four weeks later both cleared |
| Google Play | 53 | 43 | 81% | no friction, and no AVS prompt |
| Tidal | 34 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Walmart | 27 | 10 | 37% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a EEA (Europe)-region account between 14 Jun to 16 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
Tidal 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
- Tidal: 0 of 34 cleared. Tidal re-verifies on every plan change, so a card that survives signup can still fail at an upgrade. Keep the address static between changes.
- Walmart: 10 of 27 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
Before you try it
- 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.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Use the EEA (Europe) address Nebeus gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Worth it?
The 3-D Secure behaviour is the reason we keep it. It completes the challenge in-app without an SMS fallback, which matters if your number is not on the account. Ranked on cost alone it sits mid-table. Ranked on consistency it moves up a few places.
FAQ
What does the 401775 BIN tell a merchant?
Roughly: who issued it, where, and what kind of product it is. Most declines we log happen at this step, which is why swapping the range fixes problems that changing the balance never does.
Is 401775 a real card number?
No, and this trips people up. 401775 is a range identifier shared across every card Nebeus issues in EEA (Europe). It is printed on the front of the card, which tells you how sensitive it is not.
Why would 401775 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.
How we got these numbers
We bought a Nebeus card, funded it, and pushed 269 charges through live merchant checkout pages between 14 Jun to 16 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 192 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 · 269 charges on record for this range.