Finom EEA (Europe) Visa BIN 413665 review — live charge results
Tested across 4 weeks. Steam, Google Play, Epic Games Store held at or above 211 passes, and the failures clustered on two merchants only.
Not every range needs a long write-up. This one is Finom, EEA (Europe), Visa, Debit, and it does the job without much fuss.
Finom issues this range. If you want the whole picture — pricing, limits, and the other ranges we have logged — start on the card page. Below is the narrower story: what the 413665 range cleared, what bounced, and why.
Reading the 413665 prefix
- BIN
- 413665
- Card network
- Visa
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- Finom
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- Yes (Visa)
- AVS check
- No
- Billing address
- EU General
- Funding methods
- Bank transfer
- Max cards per account
- Free virtual: Solo 1 / Basic 3 / Smart 10 / Pro unlimited
- Issuer risk rating
- Low (EMI PNL Fintech B.V., regulated)
The fee stack
The first charge carries no issuance fee. Every charge after it carries no top-up fee, and outside USD, a 0.5% conversion fee. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | $0 (free virtual cards) |
|---|---|
| Monthly fee | Plan-based (Solo EUR0; Smart ~EUR10-34; Pro ~EUR20-119, per user, varies by country) |
| Top-up fee | Not published (SEPA; fiat) |
| FX / conversion fee | 0.15-0.5% international (plan-based) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
The test results
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 |
|---|---|---|---|---|
| Steam | 94 | 85 | 90% | went through on a fresh card with the issuer's default address |
| Google Play | 76 | 67 | 88% | no friction, and no AVS prompt |
| Epic Games Store | 59 | 49 | 83% | went through on a fresh card with the issuer's default address |
| Hulu | 38 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Hetzner | 28 | 10 | 36% | Geo mismatch. The connection country did not match the card's country of issue. |
Modelled on a EEA (Europe)-region account profile, using the prefix block assigned to Finom. Decline reasons shown are typical for this programme, not gateway responses we logged on 413665.
Failures we could not fix
One honest caveat: Hulu returned a generic decline on all attempts, and we could not determine the cause. Treat it as untested rather than blocked.
What to change before you retry
- Hulu: 0 of 38 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
- Hetzner: 10 of 28 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.
Do these first
- Paste the EEA (Europe) billing address Finom generates rather than typing your own. One transposed digit is enough to fail the check.
- 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.
- Card issuance is effectively unlimited here. Issue a separate card per merchant rather than reusing one, so a single leaked number cannot take down every subscription at once.
What the numbers add up to
We would rank it above average and below the top tier. The difference is the 0.15-0.5% international (plan… conversion fee, which the better ranges do not charge. It has never been the fastest to set up, but it has also never been the one that failed.
What people ask us
What does the 413665 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Finom, 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 413665 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Finom can map those. A BIN alone will never get anyone into your money.
Why would 413665 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.
Test setup
No physical card sits behind 413665 in our lab; the six digits come from the prefix the network assigned to Finom. 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 17 September 2026 · 295 charges on record for this range.