BIN 430598: Germany Visa Virtual Card (Debit)
The range did well against Steam, Epic Games Store, App Store. We logged 175 successful authorizations out of 240 attempts across the test window.
430598 is one of Krak's Germany ranges, a Debit product on Visa.
430598 in plain terms
- BIN
- 430598
- Card network
- Visa
- Issuing country
- Germany
- Card type
- Debit
- Issued by
- Krak
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Crypto
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
Costs, stacked up
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. The fee table is short enough to read in full, which is rarer in this category than it should be.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
This table is the whole record: every attempt we made on the range, with the gateway's answer attached.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 76 | 72 | 95% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Epic Games Store | 62 | 55 | 89% | cleared, 3-D Secure completed in-app in under 20 seconds |
| App Store | 48 | 40 | 83% | first charge and renewal four weeks later both cleared |
| Target | 31 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| GOAT | 23 | 8 | 35% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a Germany-region account between 14 Jul to 01 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
It failed twice on Target, 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
- Target: 0 of 31 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.
- GOAT: 8 of 23 cleared. Same mechanic as StockX: funds are captured on seller acceptance. Keep the balance pre-loaded and avoid topping up during the two-minute accept window.
Practical notes
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Set the billing address to exactly what Krak generates for Germany. 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.
Verdict, briefly
We would rank it above average and below the top tier. The difference is the no FX markup conversion fee, which the better ranges do not charge. The one thing we would change is the funding fee. Everything else about it is fine.
The things people actually ask
What does the 430598 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Krak, country of issue Germany, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 430598 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 430598 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
Can thousands of people share the same BIN?
Yes, and it is worth internalising. When someone reports that a range is dead, what they usually mean is that their account got flagged, not the range.
Test setup
We bought a Krak card, funded it, and pushed 240 charges through live merchant checkout pages between 14 Jul to 01 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 175 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 · 240 charges on record for this range.