BIN 404495: EEA (Europe) Visa Virtual Card (Debit)
Reliable on Netflix, Bing Ads, Disney+. Everywhere else it was closer to a coin flip, which we will get to.
Short entry for a range that punches above its weight. 404495 comes from Wallester, EEA (Europe), Visa, Debit. It is the card we hand people who have already failed twice elsewhere.
404495, decoded
- BIN
- 404495
- Card network
- Visa
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- Wallester
- Card form
- Virtual only
- KYC tier
- ID only
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EEA
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- 300 (Free) / 3000 / 18000
- Issuer risk rating
- Low-Medium
The fee stack
Nothing exotic in the pricing. no issuance fee, no top-up fee, and on non-USD billing, a 2% conversion fee. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free (Free); Premium €199; Platinum €999 per mo |
| Top-up fee | — |
| FX / conversion fee | 2% |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Netflix | 85 | 80 | 94% | no friction, and no AVS prompt |
| Bing Ads | 69 | 60 | 87% | went through on a fresh card with the issuer's default address |
| Disney+ | 53 | 43 | 81% | first charge and renewal four weeks later both cleared |
| Hulu | 34 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| StockX | 26 | 9 | 35% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a EEA (Europe)-region account between 11 Jul to 22 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
Two merchants gave us trouble, Hulu and StockX. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- Hulu: 0 of 34 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
- StockX: 9 of 26 cleared. Charges only happen when a bid is accepted, so the balance has to be sitting there before the seller responds. A card that funds on demand is what fails here, not the range.
Three things worth doing
- Use the EEA (Europe) address Wallester 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.
Where we land
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.
What people ask us
What does the 404495 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Wallester, country of issue EEA (Europe), product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 404495 a real card number?
Six digits of a sixteen-digit number. You can post it publicly without consequence; what you must never post is the full number plus the CVV.
Why would 404495 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?
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 Wallester card, funded it, and pushed 267 charges through live merchant checkout pages between 11 Jul to 22 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 30 August 2026 · 267 charges on record for this range.