BIN 452038 (Australia, Visa) - What It Works On
Strongest results on App Store, Google Play, Steam. Two of the three also accepted a second charge a month later without re-verification.
Short entry for a range that punches above its weight. 452038 comes from FastPay KOKO Visa, Australia, Visa, Debit. It is the card we hand people who have already failed twice elsewhere.
Reading the 452038 prefix
- BIN
- 452038
- Card network
- Visa
- Issuing country
- Australia
- Card type
- Debit
- Issued by
- FastPay KOKO Visa
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Limited (invite-only)
- Issuer risk rating
- Medium-High
What it costs to run
The first charge carries $15 (opening fee). Every charge after it carries a 1.25% 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 (opening fee) |
|---|---|
| Monthly fee | — |
| Top-up fee | $0.50 + 1.25%/transaction |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
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 |
|---|---|---|---|---|
| App Store | 42 | 38 | 90% | cleared on the first attempt, no challenge issued |
| Google Play | 34 | 30 | 88% | no friction, and no AVS prompt |
| Steam | 26 | 21 | 81% | first charge and renewal four weeks later both cleared |
| Nike US | 17 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Tidal | 13 | 4 | 31% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Australia-region account between 08 Jul to 02 Sep 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 weak spot is Nike US, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Nike US: 0 of 17 cleared. Nike's US store refuses cards issued outside the country outright, so the fix is the range, not the configuration. A domestic-issued range clears; a foreign one never will.
- Tidal: 4 of 13 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
- Paste the Australia billing address FastPay KOKO Visa generates rather than typing your own. One transposed digit is enough to fail the check.
- 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.
- 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.
Our call
Verdict: worth keeping for Australia checkouts. The failure cases are all address-related, which you control, rather than range-related, which you do not. No range stays clean forever, so check back before you rely on it for a large charge.
BIN questions, answered
What does the 452038 BIN tell a merchant?
In practice the checkout reads FastPay KOKO Visa / Australia / 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 452038 a real card number?
No, and this trips people up. 452038 is a range identifier shared across every card FastPay KOKO Visa issues in Australia. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 452038 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.
How this test was run
We bought a FastPay KOKO Visa card, funded it, and pushed 132 charges through live merchant checkout pages between 08 Jul to 02 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 93 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 08 September 2026 · 132 charges on record for this range.