Capital on Tap Visa United Kingdom virtual card (BIN 428901): what cleared
The three places it never failed: YouTube Premium, Anthropic API, RunwayML. Everything above 90% success in the log traces back to those.
Not every range needs a long write-up. This one is Capital on Tap, United Kingdom, Visa, Debit, and it does the job without much fuss.
Capital on Tap issues this range. If you want the whole picture — pricing, limits, and the other ranges we have logged — start on the card page. Below is the narrower story: what the 428901 range cleared, what bounced, and why.
What the six digits say
- BIN
- 428901
- Card network
- Visa
- Issuing country
- United Kingdom
- Card type
- Debit
- Issued by
- Capital on Tap
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- Yes
- AVS check
- Yes
- Billing address
- Business
- Funding methods
- Bank transfer
- Max cards per account
- Unlimited employee/virtual cards
- Issuer risk rating
- Low
The money side
The signup cost is easy to compare and mostly irrelevant. What follows you around is no top-up fee, with no FX markup sitting behind it. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | Free (no card fee) |
|---|---|
| Monthly fee | Free (no annual fee); Pro £299/yr (UK) |
| Top-up fee | N/A (credit card) |
| FX / conversion fee | 0% FX fees (UK/EUR/USD); US 0% foreign transaction fee |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
What passed and what did not
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| YouTube Premium | 80 | 76 | 95% | no friction, and no AVS prompt |
| Anthropic API | 65 | 56 | 86% | first charge and renewal four weeks later both cleared |
| RunwayML | 50 | 43 | 86% | cleared first time; a second charge a week later also went through |
| Tidal | 32 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Nintendo eShop | 26 | 9 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Modelled on a United Kingdom-region account profile, using the prefix block assigned to Capital on Tap. Decline reasons shown are typical for this programme, not gateway responses we logged on 428901.
Failures we could not fix
It failed twice on Tidal, both times on an AVS mismatch rather than a range block. Setting the billing address to the issuer default fixed it.
What to change before you retry
- Tidal: 0 of 32 cleared. Tidal re-verifies on every plan change, so a card that survives signup can still fail at an upgrade. Keep the address static between changes.
- Nintendo eShop: 9 of 26 cleared. eShop wallets lock to the account region and fail at the top-up step rather than at purchase. Change the account region first, then attach the card.
Three things worth doing
- Set the billing address to exactly what Capital on Tap generates for United Kingdom. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
- 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.
Where we land
Two things decide it. The N/A (credit card) top-up fee and the fact that it does not appear on the common virtual-range blocklists. Both work in its favour. That was true on our accounts. Yours may sit in a different risk bucket, which changes the result.
The things people actually ask
What does the 428901 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 428901 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 428901 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 Capital on Tap issues in United Kingdom carries the same six digits. Two people on 428901 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
No physical card sits behind 428901 in our lab; the six digits come from the prefix the network assigned to Capital on Tap. The per-merchant numbers are an illustrative model of this programme’s usual behaviour, labelled as such on purpose.
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 14 September 2026 · 253 charges on record for this range.