Visa Virtual Card BIN 408647 - Ireland (Debit)
Straight runs on Epic Games Store, Steam, App Store. No 3-D Secure loops, no AVS rejections, no manual review flags.
Blockchain.com Card issues 408647 out of Ireland. Classed Debit, runs on Visa.
What 408647 actually is
- BIN
- 408647
- Card network
- Visa
- Issuing country
- Ireland
- Card type
- Debit
- Issued by
- Blockchain.com 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
Up front you have no issuance fee. On each funding event, no top-up fee. Outside USD, no FX markup. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
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 | 49 | 44 | 90% | cleared first time; a second charge a week later also went through |
| Steam | 40 | 34 | 85% | cleared first time; a second charge a week later also went through |
| App Store | 30 | 26 | 87% | went through on a fresh card with the issuer's default address |
| Walmart | 20 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Sephora US | 15 | 5 | 33% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Ireland-region account between 09 Jul to 27 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
Walmart 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
- Walmart: 0 of 20 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.
- Sephora US: 5 of 15 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
Do these first
- Paste the Ireland billing address Blockchain.com Card generates rather than typing your own. One transposed digit is enough to fail the check.
- 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.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
Verdict, briefly
We would rank it above average and below the top tier. The difference is the no FX markup conversion fee, which the better ranges do not charge. We will keep it in the rotation and re-test it in a month.
BIN questions, answered
What does the 408647 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Blockchain.com Card, country of issue Ireland, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 408647 a real card number?
No, and this trips people up. 408647 is a range identifier shared across every card Blockchain.com Card issues in Ireland. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 408647 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?
Yes, and it is worth internalising. When someone reports that a range is dead, what they usually mean is that their account got flagged, not the range.
Method
We bought a Blockchain.com Card card, funded it, and pushed 154 charges through live merchant checkout pages between 09 Jul to 27 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 109 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 02 September 2026 · 154 charges on record for this range.