Visa Virtual Card BIN 421050 - United States (Debit)
Where it cleared without drama: Google Play, Netflix, Cursor. All three passed first time and survived a renewal four weeks later.
421050 appears on Visa cards issued by Crypto.com Card to United States customers. That is the whole identification. Whether it works for you depends on the merchant, and we have those numbers.
The spec sheet
- BIN
- 421050
- Card network
- Visa
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Crypto.com Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple tiers available
- Issuer risk rating
- Low
The money side
This is a Debit product, so there is no interest and no annual fee to model. Just no issuance fee, a 1% top-up fee and no FX markup. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | Free (entry tier); higher tiers require CRO staking |
|---|---|
| Monthly fee | Free (no annual fee) |
| Top-up fee | Free crypto top-up; ~1% for card top-up |
| FX / conversion fee | No FX fees on most tiers |
| Declined transaction fee | — |
| Minimum top-up | Varies by tier |
Where 421050 clears, and where it does not
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Play | 107 | 100 | 93% | no friction, and no AVS prompt |
| Netflix | 87 | 78 | 90% | went through on a fresh card with the issuer's default address |
| Cursor | 67 | 56 | 84% | cleared first time; a second charge a week later also went through |
| Best Buy | 43 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| PlayStation Network | 31 | 11 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a United States-region account between 10 Aug to 07 Sep 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
Best Buy is the one to avoid. Its fraud rules appear to treat Debit ranges as high risk by default.
What to change before you retry
- Best Buy: 0 of 43 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
- PlayStation Network: 11 of 31 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.
Before you try it
- Use the United States address Crypto.com Card gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- This is an anonymous-account product. There is no meaningful account recovery, so export the card details and the billing address the moment you create them.
- 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.
Worth it?
This is the range I would give someone who has never used a virtual card. Low balance requirement and the failure modes are easy to diagnose. 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 421050 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Crypto.com Card, country of issue United States, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 421050 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Crypto.com Card can map those. A BIN alone will never get anyone into your money.
Why would 421050 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?
That is the normal case. Every Debit card Crypto.com Card issues in United States carries the same six digits. Two people on 421050 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
We bought a Crypto.com Card card, funded it, and pushed 335 charges through live merchant checkout pages between 10 Aug to 07 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 245 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 09 September 2026 · 335 charges on record for this range.