441022 Virtual Card Review - United Kingdom Visa Debit
Reliable on Epic Games Store, Google Play, Steam. Everywhere else it was closer to a coin flip, which we will get to.
We added 441022 to the directory after it cleared a checkout that had already rejected two better-known ranges. It is a Debit Visa prefix from Bit.Store, issued in United Kingdom.
What 441022 actually is
- BIN
- 441022
- Card network
- Visa
- Issuing country
- United Kingdom
- Card type
- Debit
- Issued by
- Bit.Store
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
Costs, stacked up
Pricing, laid out: no issuance fee to open a card, no top-up fee every time you fund it, and no FX markup on conversion. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
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 |
|---|---|---|---|---|
| Epic Games Store | 64 | 59 | 92% | first charge and renewal four weeks later both cleared |
| Google Play | 52 | 44 | 85% | went through on a fresh card with the issuer's default address |
| Steam | 40 | 33 | 82% | cleared on the first attempt, no challenge issued |
| Crunchyroll | 26 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| PlayStation Network | 21 | 7 | 33% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a United Kingdom-region account between 11 Jun to 27 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
One consistent miss: Crunchyroll. That acquirer appears to blocklist the range. PlayStation Network also declined, though only once.
What to change before you retry
- Crunchyroll: 0 of 26 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.
- PlayStation Network: 7 of 21 cleared. Store credit is region-bound, so the card and the wallet have to be in the same region. Fund the wallet from a matching range rather than attaching the card directly.
Getting it to work first time
- Use the United Kingdom address Bit.Store gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
Our call
Accurate summary: cheap to start, mid-priced to run, dependable enough that we stopped testing workarounds. No range stays clean forever, so check back before you rely on it for a large charge.
Questions we get about 441022
What does the 441022 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Bit.Store, country of issue United Kingdom, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 441022 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Bit.Store can map those. A BIN alone will never get anyone into your money.
Why would 441022 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?
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 Bit.Store card, funded it, and pushed 203 charges through live merchant checkout pages between 11 Jun to 27 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 143 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 04 September 2026 · 203 charges on record for this range.