BIN 434977 (United Kingdom, Visa) - What It Works On
Tested across 6 weeks. Epic Games Store, Steam, Google Play held at or above 182 passes, and the failures clustered on two merchants only.
434977 is one of CoinW Card's United Kingdom ranges, a Debit product on Visa.
434977, decoded
- BIN
- 434977
- Card network
- Visa
- Issuing country
- United Kingdom
- Card type
- Debit
- Issued by
- CoinW Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Custodial
- Funding methods
- Crypto
- Max cards per account
- Not published
- Issuer risk rating
- Medium-High
The money side
The first charge carries $15 virtual / $98 physical. Every charge after it carries no top-up fee, and outside USD, no FX markup. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | $15 virtual / $98 physical |
|---|---|
| Monthly fee | — |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
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 |
|---|---|---|---|---|
| Epic Games Store | 80 | 75 | 94% | cleared first time; a second charge a week later also went through |
| Steam | 65 | 57 | 88% | cleared on the first attempt, no challenge issued |
| Google Play | 50 | 41 | 82% | no friction, and no AVS prompt |
| Hetzner | 32 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Best Buy | 24 | 9 | 38% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a United Kingdom-region account between 18 Jul to 29 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
Two merchants gave us trouble, Hetzner and Best Buy. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- Hetzner: 0 of 32 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.
- Best Buy: 9 of 24 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
Before you try it
- Use the United Kingdom address CoinW Card gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
- This is an anonymous-account product. There is no meaningful account recovery, so export the card details and the billing address the moment you create them.
Where we land
This is the range I would give someone who has never used a virtual card. Low balance requirement and the failure modes are easy to diagnose. We would put it in the second tier. Reliable, unremarkable, and cheap enough to keep around.
The things people actually ask
What does the 434977 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 434977 a real card number?
No, and this trips people up. 434977 is a range identifier shared across every card CoinW Card issues in United Kingdom. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 434977 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.
What we did
We bought a CoinW Card card, funded it, and pushed 251 charges through live merchant checkout pages between 18 Jul to 29 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 182 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 31 August 2026 · 251 charges on record for this range.