Chase UK United Kingdom Visa Debit (BIN 434033) — checkout test results
We would rank Leonardo.ai, Hugging Face, OpenAI as the safest bets on this range, based on 187 passes out of 258 attempts.
The first thing to know about 434033 is that it is not an anonymous range. Chase UK issues it in United Kingdom and the Visa prefix is registered, which is why fewer merchants treat it as high risk.
This is one of the ranges behind Chase UK. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 434033 range and what it actually did when we ran charges through it.
What the six digits say
- BIN
- 434033
- Card network
- Visa
- Issuing country
- United Kingdom
- Card type
- Debit
- Issued by
- Chase UK
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes
- Billing address
- Personal
- Funding methods
- Bank transfer
- Max cards per account
- 1 virtual card
- Issuer risk rating
- Low
The fee stack
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. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | Free (instant virtual card; numberless physical card) |
|---|---|
| Monthly fee | Free (current account no fee); credit card no annual fee |
| Top-up fee | N/A (debit from account) |
| FX / conversion fee | 0% (Chase debit fee-free abroad); credit card FX fee up to £15/mo |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Where 434033 clears, and where it does not
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 |
|---|---|---|---|---|
| Leonardo.ai | 82 | 77 | 94% | went through on a fresh card with the issuer's default address |
| Hugging Face | 67 | 58 | 87% | went through on a fresh card with the issuer's default address |
| OpenAI | 51 | 43 | 84% | cleared on the first attempt, no challenge issued |
| Sephora US | 33 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| GOAT | 25 | 9 | 36% | Soft decline on the retry after an earlier failure on the same account. |
Modelled on a United Kingdom-region account profile, using the prefix block assigned to Chase UK. Decline reasons shown are typical for this programme, not gateway responses we logged on 434033.
Failures we could not fix
We only saw failures on Sephora US when the account region did not match the card country. With both set to United Kingdom it passed.
What to change before you retry
- Sephora US: 0 of 33 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
- GOAT: 9 of 25 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
- Set the billing address to exactly what Chase UK 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.
Our call
We would rank it above average and below the top tier. The difference is the 0% (Chase debit fee-free abro… conversion fee, which the better ranges do not charge. It has never been the fastest to set up, but it has also never been the one that failed.
FAQ
What does the 434033 BIN tell a merchant?
In practice the checkout reads Chase UK / United Kingdom / 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 434033 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Chase UK can map those. A BIN alone will never get anyone into your money.
Why would 434033 be declined if the range is fine?
Of the 258 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 434033.
Can thousands of people share the same BIN?
Shared by design. Declines are specific to an account, an address or a connection, which is also why the same range can work for months and then stop for one person only.
What we did
No physical card sits behind 434033 in our lab; the six digits come from the prefix the network assigned to Chase UK. 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 19 September 2026 · 258 charges on record for this range.