BIN 474778: United Kingdom Visa Virtual Card (Debit)
Where it cleared without drama: Steam, Epic Games Store, Google Play. All three passed first time and survived a renewal four weeks later.
Short entry for a range that punches above its weight. 474778 comes from Morph Card, United Kingdom, Visa, Debit. It is the card we hand people who have already failed twice elsewhere.
What 474778 actually is
- BIN
- 474778
- Card network
- Visa
- Issuing country
- United Kingdom
- Card type
- Debit
- Issued by
- Morph Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Asia
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
What it costs to run
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. 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 | — |
Cleared versus declined
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 32 | 28 | 88% | no friction, and no AVS prompt |
| Epic Games Store | 26 | 22 | 85% | cleared on the first attempt, no challenge issued |
| Google Play | 20 | 16 | 80% | no friction, and no AVS prompt |
| Nike US | 13 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Best Buy | 12 | 4 | 33% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a United Kingdom-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 pattern in our failures is geographic. Nike US accepted it once the account region matched United Kingdom, and refused it every time it did not.
What to change before you retry
- Nike US: 0 of 13 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.
- Best Buy: 4 of 12 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
Before you try it
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- 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 United Kingdom billing address Morph Card generates rather than typing your own. One transposed digit is enough to fail the check.
Worth it?
Verdict: worth keeping for United Kingdom checkouts. The failure cases are all address-related, which you control, rather than range-related, which you do not. We would put it in the second tier. Reliable, unremarkable, and cheap enough to keep around.
What people ask us
What does the 474778 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 474778 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Morph Card can map those. A BIN alone will never get anyone into your money.
Why would 474778 be declined if the range is fine?
Of the 103 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 474778.
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.
Test setup
We bought a Morph Card card, funded it, and pushed 103 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. 70 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 20 August 2026 · 103 charges on record for this range.