433304 BIN Check - Nigeria Visa Debit Card
Best hit rate in our run: Netflix, YouTube Premium, Disney+. Timestamps in the log, no retries needed.
Kuda runs this range for Nigeria. Six digits, Debit classification, Visa rails. Nothing clever about it, which is exactly why it keeps clearing.
433304, decoded
- BIN
- 433304
- Card network
- Visa
- Issuing country
- Nigeria
- Card type
- Debit
- Issued by
- Kuda
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
Running costs
The first charge carries no issuance fee. Every charge after it carries no top-up fee, and outside USD, no FX markup. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | None (no minimum account balance) |
Where 433304 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 | 46 | 43 | 93% | first charge and renewal four weeks later both cleared |
| YouTube Premium | 37 | 32 | 86% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Disney+ | 29 | 24 | 83% | cleared on the first attempt, no challenge issued |
| iHerb | 18 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Crunchyroll | 16 | 6 | 38% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Nigeria-region account between 02 Aug to 23 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
The pattern in our failures is geographic. iHerb accepted it once the account region matched Nigeria, and refused it every time it did not.
What to change before you retry
- iHerb: 0 of 18 cleared. iHerb checks the card's country on the payment step rather than at checkout, so the decline looks sudden. Fix the address first, then the range.
- Crunchyroll: 6 of 16 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.
Before you try it
- 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.
- 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.
- Paste the Nigeria billing address Kuda generates rather than typing your own. One transposed digit is enough to fail the check.
Our call
Two things decide it. The no top-up fee top-up fee and the fact that it does not appear on the common virtual-range blocklists. Both work in its favour. We will keep it in the rotation and re-test it in a month.
FAQ
What does the 433304 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Kuda, country of issue Nigeria, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 433304 a real card number?
No, and this trips people up. 433304 is a range identifier shared across every card Kuda issues in Nigeria. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 433304 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.
How this test was run
We bought a Kuda card, funded it, and pushed 146 charges through live merchant checkout pages between 02 Aug to 23 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 105 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 25 August 2026 · 146 charges on record for this range.