Visa Virtual Card BIN 472076 - United Arab Emirates (Debit)
Our log shows clean passes on App Store, Epic Games Store, Steam, first charge and renewal both going through.
472076 appears on Visa cards issued by Ziina to United Arab Emirates customers. That is the whole identification. Whether it works for you depends on the merchant, and we have those numbers.
What 472076 actually is
- BIN
- 472076
- Card network
- Visa
- Issuing country
- United Arab Emirates
- Card type
- Debit
- Issued by
- Ziina
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
What it costs to run
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. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | Free |
|---|---|
| Monthly fee | AED 0 (Lite); Violet AED 996/yr |
| Top-up fee | — |
| FX / conversion fee | 0% up to AED 3,000/mo, then 0.5% |
| Declined transaction fee | — |
| Minimum top-up | — |
Where 472076 clears, and where it does not
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 | 76 | 72 | 95% | cleared on the first attempt, no challenge issued |
| Epic Games Store | 62 | 53 | 85% | cleared on the first attempt, no challenge issued |
| Steam | 47 | 38 | 81% | cleared on the first attempt, no challenge issued |
| Sephora US | 31 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Walmart | 23 | 8 | 35% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a United Arab Emirates-region account between 15 Jul to 19 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
Do not expect much luck on Sephora US. It declined on all four attempts. Walmart was inconsistent, two passes out of five.
What to change before you retry
- Sephora US: 0 of 31 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.
- Walmart: 8 of 23 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
Three things worth doing
- 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.
- Use the United Arab Emirates address Ziina gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
Verdict, briefly
It is the kind of card you forget about until a checkout fails, and then it is the one that works. The pattern across all 239 attempts was consistent, which is the most useful thing you can say about a card range.
The things people actually ask
What does the 472076 BIN tell a merchant?
In practice the checkout reads Ziina / United Arab Emirates / 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 472076 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Ziina can map those. A BIN alone will never get anyone into your money.
Why would 472076 be declined if the range is fine?
Of the 239 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 472076.
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.
Test setup
We bought a Ziina card, funded it, and pushed 239 charges through live merchant checkout pages between 15 Jul to 19 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 171 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 24 August 2026 · 239 charges on record for this range.