474111 BIN Check - Germany Visa Debit Card
201 of 282 attempts cleared, and most of those came from three merchants: Epic Games Store, App Store, Steam.
We keep coming back to 474111 when a merchant blocks the well-known virtual ranges. It comes from YouHodler in Germany and does not sit on the usual blocklists.
474111 in plain terms
- BIN
- 474111
- Card network
- Visa
- Issuing country
- Germany
- Card type
- Debit
- Issued by
- YouHodler
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EU
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
The fee stack
The signup cost is easy to compare and mostly irrelevant. What follows you around is no top-up fee, with no FX markup sitting behind it. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| 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 |
|---|---|---|---|---|
| Epic Games Store | 90 | 83 | 92% | cleared, 3-D Secure completed in-app in under 20 seconds |
| App Store | 73 | 63 | 86% | cleared first time; a second charge a week later also went through |
| Steam | 56 | 45 | 80% | cleared, 3-D Secure completed in-app in under 20 seconds |
| StockX | 36 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Crunchyroll | 27 | 10 | 37% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a Germany-region account between 19 Jul to 23 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 StockX, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- StockX: 0 of 36 cleared. Charges only happen when a bid is accepted, so the balance has to be sitting there before the seller responds. A card that funds on demand is what fails here, not the range.
- Crunchyroll: 10 of 27 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.
Setup notes for YouHodler
- 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.
- Paste the Germany billing address YouHodler generates rather than typing your own. One transposed digit is enough to fail the check.
- 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.
What the numbers add up to
We would not build a whole spend strategy on one Debit range, but as one card among two or three it earns its place. 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 474111 BIN tell a merchant?
In practice the checkout reads YouHodler / Germany / 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 474111 a real card number?
No, and this trips people up. 474111 is a range identifier shared across every card YouHodler issues in Germany. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 474111 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card YouHodler issues in Germany carries the same six digits. Two people on 474111 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
We bought a YouHodler card, funded it, and pushed 282 charges through live merchant checkout pages between 19 Jul to 23 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 201 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 26 August 2026 · 282 charges on record for this range.