BIN 472366 (Ireland, Visa) - What It Works On
Straight runs on Steam, Epic Games Store, Google Play. No 3-D Secure loops, no AVS rejections, no manual review flags.
We keep coming back to 472366 when a merchant blocks the well-known virtual ranges. It comes from Exodus Card in Ireland and does not sit on the usual blocklists.
472366, decoded
- BIN
- 472366
- Card network
- Visa
- Issuing country
- Ireland
- Card type
- Debit
- Issued by
- Exodus Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Global
- Funding methods
- Crypto
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
The money side
On a monthly subscription the maths is easy: no issuance fee once, then no top-up fee. It only starts to bite when you fund the card repeatedly. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
What passed and what did not
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 42 | 38 | 90% | first charge and renewal four weeks later both cleared |
| Epic Games Store | 34 | 29 | 85% | no friction, and no AVS prompt |
| Google Play | 26 | 21 | 81% | went through on a fresh card with the issuer's default address |
| Tidal | 17 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| PlayStation Network | 15 | 5 | 33% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a Ireland-region account between 24 Jul to 14 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 weak spot is Tidal, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Tidal: 0 of 17 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.
- PlayStation Network: 5 of 15 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.
Before you try it
- Funding is crypto-first. Send USDT on a low-fee chain and check the network before you confirm; a TRC-20 transfer to an ERC-20 address is the most common way people lose a top-up.
- 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.
- Paste the Ireland billing address Exodus Card generates rather than typing your own. One transposed digit is enough to fail the check.
Where we land
Verdict: worth keeping for Ireland checkouts. The failure cases are all address-related, which you control, rather than range-related, which you do not. For the price it is hard to argue with, provided you can live with the no top-up fee funding cost.
What people ask us
What does the 472366 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 472366 a real card number?
No, and this trips people up. 472366 is a range identifier shared across every card Exodus Card issues in Ireland. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 472366 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?
Shared by design. Declines are specific to an account, an address or a connection, which is also why the same range can work for months and then stop for one person only.
How this test was run
We bought a Exodus Card card, funded it, and pushed 134 charges through live merchant checkout pages between 24 Jul to 14 Aug 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 22 August 2026 · 134 charges on record for this range.