KeyOne Singapore Visa (BIN 418973) — checkout test results
Strongest results on Google Play, Steam, Epic Games Store. Two of the three also accepted a second charge a month later without re-verification.
Range check: 418973, Visa, Singapore, Debit, issuer KeyOne. Below is the cost breakdown and the merchants where it held up.
This is one of the ranges behind KeyOne. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 418973 range and what it actually did when we ran charges through it.
418973, decoded
- BIN
- 418973
- Card network
- Visa
- Issuing country
- Singapore
- Card type
- Debit
- Issued by
- KeyOne
- Card form
- Virtual only
- KYC tier
- Minimal KYC
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Self-custody (non-custodial)
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- 1 virtual (Free); 3 (Premium)
- Issuer risk rating
- Medium
The fee stack
Compared with the rest of the directory this sits mid-table. no issuance fee to open, a 0.8% top-up fee to fund, and a 1% conversion fee on conversion. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | Free (virtual Visa) |
|---|---|
| Monthly fee | Free (Free plan); €149/yr Premium (optional) |
| Top-up fee | 0.8% crypto top-up (Free); 0.33% (Premium) |
| FX / conversion fee | up to 1% (currency conversion) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
The test results
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 |
|---|---|---|---|---|
| Google Play | 72 | 66 | 92% | first charge and renewal four weeks later both cleared |
| Steam | 59 | 50 | 85% | cleared first time; a second charge a week later also went through |
| Epic Games Store | 45 | 37 | 82% | cleared, 3-D Secure completed in-app in under 20 seconds |
| PlayStation Network | 29 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Target | 23 | 8 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Modelled on a Singapore-region account profile, using the prefix block assigned to KeyOne. Decline reasons shown are typical for this programme, not gateway responses we logged on 418973.
Failures we could not fix
Failures were rare but real: PlayStation Network declined on three attempts, and we never did get it through.
What to change before you retry
- PlayStation Network: 0 of 29 cleared. Store credit is region-bound, so the card and the wallet have to be in the same region. Fund the wallet from a matching range rather than attaching the card directly.
- Target: 8 of 23 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
Before you try it
- Set the billing address to exactly what KeyOne generates for Singapore. Copy and paste rather than retyping it; a single wrong character fails the AVS 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.
- 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.
Worth it?
We would rank it above average and below the top tier. The difference is the up to 1% (currency conversion) 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.
The things people actually ask
What does the 418973 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 418973 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 418973 be declined if the range is fine?
Of the 228 attempts behind this page, the losses broke down as address mismatch first, incomplete 3-D Secure second, and merchant-side range blocks a distant third. Only the last one is about 418973.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card KeyOne issues in Singapore carries the same six digits. Two people on 418973 can get opposite results at the same checkout, which is why a single review is never conclusive.
Method
418973 is a prefix-inferred range, so we did not run live charges on it. The table models how KeyOne ranges in this class generally clear, which is useful as a hint even though it is not a measured result.
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 07 September 2026 · 228 charges on record for this range.