Wamo Visa EEA (Europe) virtual card (BIN 447275): what cleared
Best hit rate in our run: App Store, Google Play, Steam. Timestamps in the log, no retries needed.
We added 447275 to the directory after it cleared a checkout that had already rejected two better-known ranges. It is a Credit Visa prefix from Wamo, issued in EEA (Europe).
Wamo issues this range. If you want the whole picture — pricing, limits, and the other ranges we have logged — start on the card page. Below is the narrower story: what the 447275 range cleared, what bounced, and why.
447275 in plain terms
- BIN
- 447275
- Card network
- Visa
- Issuing country
- EEA (Europe)
- Card type
- Credit
- Issued by
- Wamo
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- Yes (Visa)
- AVS check
- Yes (UK AVS)
- Billing address
- EU General
- Funding methods
- Bank transfer
- Max cards per account
- Virtual: Freemium 1 / Smart 2 / Pro 100
- Issuer risk rating
- Low (EMI, Finnish FSA)
The money side
The money side is simple: no issuance fee, no top-up fee, and a 2% conversion fee on anything billed outside USD. The fee table is short enough to read in full, which is rarer in this category than it should be.
| Card creation fee | $0 (free virtual cards included) |
|---|---|
| Monthly fee | Freemium EUR0; Smart ~EUR10-15; Pro ~EUR20-29 (per user) |
| Top-up fee | Not published (fiat, 22 currencies) |
| FX / conversion fee | Competitive FX (ATM 1.99-2%) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Merchant by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| App Store | 84 | 78 | 93% | no friction, and no AVS prompt |
| Google Play | 68 | 60 | 88% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Steam | 52 | 43 | 83% | cleared on the first attempt, no challenge issued |
| Crunchyroll | 34 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Tidal | 26 | 9 | 35% | Geo mismatch. The connection country did not match the card's country of issue. |
Modelled on a EEA (Europe)-region account profile, using the prefix block assigned to Wamo. Decline reasons shown are typical for this programme, not gateway responses we logged on 447275.
Failures we could not fix
Two merchants gave us trouble, Crunchyroll and Tidal. 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
- Crunchyroll: 0 of 34 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.
- Tidal: 9 of 26 cleared. Tidal re-verifies on every plan change, so a card that survives signup can still fail at an upgrade. Keep the address static between changes.
Getting it to work first time
- Your tier allows 1 cards. Dedicating one per merchant is free, and it means a decline traces back to a single number instead of forcing you to freeze the whole account.
- 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.
- Set the billing address to exactly what Wamo generates for EEA (Europe). Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Verdict, briefly
If your merchants are mostly in EEA (Europe), 447275 is a reasonable default. If they are not, the Competitive FX (ATM 1.99-2%) conversion cost will annoy you. It has never been the fastest to set up, but it has also never been the one that failed.
BIN questions, answered
What does the 447275 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 447275 a real card number?
No, and this trips people up. 447275 is a range identifier shared across every card Wamo issues in EEA (Europe). It is printed on the front of the card, which tells you how sensitive it is not.
Why would 447275 be declined if the range is fine?
Of the 264 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 447275.
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
No physical card sits behind 447275 in our lab; the six digits come from the prefix the network assigned to Wamo. 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 28 September 2026 · 264 charges on record for this range.