BRAC Bank Bangladesh Visa Debit (BIN 426697) — checkout test results
Tested across 5 weeks. Disney+, Perplexity AI, Steam held at or above 164 passes, and the failures clustered on two merchants only.
If you have a Visa card from BRAC Bank that starts with 426697, this page is about your card. Country of issue is Bangladesh, product class is Debit.
This is one of the ranges behind BRAC Bank. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 426697 range and what it actually did when we ran charges through it.
The spec sheet
- BIN
- 426697
- Card network
- Visa
- Issuing country
- Bangladesh
- Card type
- Debit
- Issued by
- BRAC Bank
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Bangladesh
- Funding methods
- Bank transfer
- Max cards per account
- 1 (virtual debit per account)
- Issuer risk rating
- Low (Bangladesh bank)
Running costs
Three lines decide it. Issuance: no issuance fee. Funding: no top-up fee. Conversion: no FX markup. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free (virtual debit, digital; annual fee up to Tk 200; TARA Virtual free year 1, Tk 200 from year 2) |
|---|---|
| Monthly fee | Free |
| Top-up fee | Not applicable (bank account) |
| FX / conversion fee | Multi-currency; FX applies (not specified) |
| Declined transaction fee | Not charged |
| Minimum top-up | BDT 5,000 (regular savings avg) |
What passed and what did 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 |
|---|---|---|---|---|
| Disney+ | 74 | 66 | 89% | first charge and renewal four weeks later both cleared |
| Perplexity AI | 60 | 52 | 87% | cleared on the first attempt, no challenge issued |
| Steam | 46 | 38 | 83% | cleared first time; a second charge a week later also went through |
| Crunchyroll | 30 | 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 Bangladesh-region account profile, using the prefix block assigned to BRAC Bank. Decline reasons shown are typical for this programme, not gateway responses we logged on 426697.
Failures we could not fix
Crunchyroll rejected it outright. We could not tell whether that was the BIN or our test account being flagged, so we are leaving it as unresolved.
What to change before you retry
- Crunchyroll: 0 of 30 cleared. Billing runs monthly in USD from the account's store region. Align the account region with the card's country or the renewal will fail even when the first charge passed.
- 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.
Getting it to work first time
- 3-D Secure is supported, so install the issuer app before your first charge. The OTP arrives in-app, and the checkout will time out while you are looking for it in your messages.
- Use the Bangladesh address BRAC Bank gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. Take the Debit label seriously though. Some merchant rules treat it differently to credit.
What people ask us
What does the 426697 BIN tell a merchant?
In practice the checkout reads BRAC Bank / Bangladesh / Debit and decides. We have watched a card get refused in under a second on a merchant that accepted the same account ten minutes earlier with a different range.
Is 426697 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only BRAC Bank can map those. A BIN alone will never get anyone into your money.
Why would 426697 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 BRAC Bank issues in Bangladesh carries the same six digits. Two people on 426697 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
This range is inferred from the network prefix block assigned to BRAC Bank, not taken from a card we bought. The merchant breakdown below is a modelled illustration of how ranges in this programme typically perform, not a log of charges we ran on 426697 itself.
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 30 September 2026 · 233 charges on record for this range.