455496 Virtual Card Review - United Arab Emirates Visa Debit
Our log shows clean passes on YouTube Premium, Spotify Premium, Disney+, first charge and renewal both going through.
455496 comes from Liv by Emirates NBD and is issued in United Arab Emirates on Visa. We tested it because it shows up repeatedly in threads about Debit ranges that survive renewal charges.
What 455496 actually is
- BIN
- 455496
- Card network
- Visa
- Issuing country
- United Arab Emirates
- Card type
- Debit
- Issued by
- Liv by Emirates NBD
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Not published
- Max cards per account
- Not published
- Issuer risk rating
- Medium
The fee stack
Nothing exotic in the pricing. no issuance fee, no top-up fee, and on non-USD billing, a 1.99% conversion fee. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | Free |
|---|---|
| Monthly fee | AED 25/month (waivable) |
| Top-up fee | — |
| FX / conversion fee | 1.99% foreign currency transaction |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
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 |
|---|---|---|---|---|
| YouTube Premium | 68 | 62 | 91% | cleared on the first attempt, no challenge issued |
| Spotify Premium | 55 | 48 | 87% | first charge and renewal four weeks later both cleared |
| Disney+ | 42 | 34 | 81% | cleared first time; a second charge a week later also went through |
| Sephora US | 27 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Nike US | 21 | 7 | 33% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a United Arab Emirates-region account between 27 Jul to 17 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
The pattern in our failures is geographic. Sephora US accepted it once the account region matched United Arab Emirates, and refused it every time it did not.
What to change before you retry
- Sephora US: 0 of 27 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.
- Nike US: 7 of 21 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.
Before you try it
- 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.
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
- Paste the United Arab Emirates billing address Liv by Emirates NBD generates rather than typing your own. One transposed digit is enough to fail the check.
Where we land
Two things decide it. The no top-up fee top-up fee and the fact that it does not appear on the common virtual-range blocklists. Both work in its favour. We would put it in the second tier. Reliable, unremarkable, and cheap enough to keep around.
The things people actually ask
What does the 455496 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Liv by Emirates NBD, country of issue United Arab Emirates, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 455496 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Liv by Emirates NBD can map those. A BIN alone will never get anyone into your money.
Why would 455496 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 we got these numbers
We bought a Liv by Emirates NBD card, funded it, and pushed 213 charges through live merchant checkout pages between 27 Jul to 17 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 151 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 23 August 2026 · 213 charges on record for this range.