422842 VCC - Singapore Visa Virtual Card Review
It works on Netflix, Epic Games Store, YouTube Premium. Those three account for most of the 90 successful charges we recorded.
GX Bank runs this range for Singapore. Six digits, Debit classification, Visa rails. Nothing clever about it, which is exactly why it keeps clearing.
The spec sheet
- BIN
- 422842
- Card network
- Visa
- Issuing country
- Singapore
- Card type
- Debit
- Issued by
- GX Bank
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Not published
- Max cards per account
- 1 virtual
- Issuer risk rating
- Medium
What it costs to run
The money side is simple: a RM12, no top-up fee, and no FX markup on anything billed outside USD. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | RM12 |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Where 422842 clears, and where it does not
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Netflix | 40 | 37 | 92% | first charge and renewal four weeks later both cleared |
| Epic Games Store | 32 | 29 | 91% | cleared, 3-D Secure completed in-app in under 20 seconds |
| YouTube Premium | 25 | 20 | 80% | first charge and renewal four weeks later both cleared |
| Hetzner | 16 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Nike US | 12 | 4 | 33% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a Singapore-region account between 29 Jul to 26 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
Two merchants gave us trouble, Hetzner and Nike US. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- Hetzner: 0 of 16 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.
- Nike US: 4 of 12 cleared. Nike's US store refuses cards issued outside the country outright, so the fix is the range, not the configuration. A domestic-issued range clears; a foreign one never will.
Before you try it
- This range does not advertise 3-D Secure. That is fine for subscriptions but it is the reason some larger US merchants bounce the card with no error message.
- Set the billing address to exactly what GX Bank generates for Singapore. Copy and paste rather than retyping it; a single wrong character fails the AVS 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.
Where we land
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. That was true on our accounts. Yours may sit in a different risk bucket, which changes the result.
FAQ
What does the 422842 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer GX Bank, country of issue Singapore, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 422842 a real card number?
No, and this trips people up. 422842 is a range identifier shared across every card GX Bank issues in Singapore. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 422842 be declined if the range is fine?
Of the 125 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 422842.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card GX Bank issues in Singapore carries the same six digits. Two people on 422842 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 GX Bank card, funded it, and pushed 125 charges through live merchant checkout pages between 29 Jul to 26 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 90 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 29 August 2026 · 125 charges on record for this range.