419228 BIN Check - Australia Visa Debit Card
Tested across 6 weeks. Spotify Premium, YouTube Premium, TikTok Ads held at or above 119 passes, and the failures clustered on two merchants only.
Short entry for a range that punches above its weight. 419228 comes from Figo, Australia, Visa, Debit. It is the card we hand people who have already failed twice elsewhere.
419228, decoded
- BIN
- 419228
- Card network
- Visa
- Issuing country
- Australia
- Card type
- Debit
- Issued by
- Figo
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
Costs, stacked up
Up front you have no issuance fee. On each funding event, no top-up fee. Outside USD, a 2% conversion fee. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | $2 (limited-time free) |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | 2% + $0.6 intl |
| Declined transaction fee | — |
| Minimum top-up | 10 |
The test results
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Spotify Premium | 54 | 48 | 89% | no friction, and no AVS prompt |
| YouTube Premium | 43 | 37 | 86% | cleared first time; a second charge a week later also went through |
| TikTok Ads | 33 | 28 | 85% | cleared on the first attempt, no challenge issued |
| Walmart | 21 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Hulu | 18 | 6 | 33% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Australia-region account between 10 Jul to 21 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
The weak spot is Walmart, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Walmart: 0 of 21 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.
- Hulu: 6 of 18 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
Three things worth doing
- Paste the Australia billing address Figo 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.
- Watch the 2% conversion fee. Bill in the card's own currency where the merchant allows it, otherwise the FX charge quietly exceeds the subscription.
What the numbers add up to
It is the kind of card you forget about until a checkout fails, and then it is the one that works. Take the Debit label seriously though. Some merchant rules treat it differently to credit.
The things people actually ask
What does the 419228 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Figo, country of issue Australia, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 419228 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Figo can map those. A BIN alone will never get anyone into your money.
Why would 419228 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?
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.
How this test was run
We bought a Figo card, funded it, and pushed 169 charges through live merchant checkout pages between 10 Jul to 21 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 119 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 27 August 2026 · 169 charges on record for this range.