BIN 428055: Germany Visa Virtual Card (Debit)
69 of 97 attempts cleared, and most of those came from three merchants: Epic Games Store, Google Play, App Store.
The first thing to know about 428055 is that it is not an anonymous range. Noones issues it in Germany and the Visa prefix is registered, which is why fewer merchants treat it as high risk.
What the six digits say
- BIN
- 428055
- Card network
- Visa
- Issuing country
- Germany
- Card type
- Debit
- Issued by
- Noones
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global (peer-to-peer)
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
What it costs to run
On a monthly subscription the maths is easy: no issuance fee once, then no top-up fee. It only starts to bite when you fund the card repeatedly. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Epic Games Store | 31 | 29 | 94% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Play | 25 | 22 | 88% | no friction, and no AVS prompt |
| App Store | 19 | 15 | 79% | went through on a fresh card with the issuer's default address |
| Hetzner | 12 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| StockX | 10 | 3 | 30% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Germany-region account between 22 Jul to 02 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
Hetzner 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
- Hetzner: 0 of 12 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.
- StockX: 3 of 10 cleared. Charges only happen when a bid is accepted, so the balance has to be sitting there before the seller responds. A card that funds on demand is what fails here, not the range.
Three things worth doing
- Funding is crypto-first. Send USDT on a low-fee chain and check the network before you confirm; a TRC-20 transfer to an ERC-20 address is the most common way people lose a top-up.
- 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.
- Paste the Germany billing address Noones generates rather than typing your own. One transposed digit is enough to fail the check.
Final word
The 3-D Secure behaviour is the reason we keep it. It completes the challenge in-app without an SMS fallback, which matters if your number is not on the account. That was true on our accounts. Yours may sit in a different risk bucket, which changes the result.
Questions we get about 428055
What does the 428055 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 428055 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 428055 be declined if the range is fine?
Of the 97 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 428055.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Noones issues in Germany carries the same six digits. Two people on 428055 can get opposite results at the same checkout, which is why a single review is never conclusive.
Method
We bought a Noones card, funded it, and pushed 97 charges through live merchant checkout pages between 22 Jul to 02 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 69 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 07 September 2026 · 97 charges on record for this range.