Visa Virtual Card BIN 475187 - Brazil (Debit)
Reliable on Spotify Premium, Disney+, Netflix. Everywhere else it was closer to a coin flip, which we will get to.
Short entry for a range that punches above its weight. 475187 comes from Neon, Brazil, Visa, Debit. It is the card we hand people who have already failed twice elsewhere.
Reading the 475187 prefix
- BIN
- 475187
- Card network
- Visa
- Issuing country
- Brazil
- Card type
- Debit
- Issued by
- Neon
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
What you pay, line by line
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 | — |
Results by merchant
This table is the whole record: every attempt we made on the range, with the gateway's answer attached.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Spotify Premium | 67 | 63 | 94% | first charge and renewal four weeks later both cleared |
| Disney+ | 54 | 49 | 91% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Netflix | 42 | 34 | 81% | no friction, and no AVS prompt |
| Hetzner | 27 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| PlayStation Network | 20 | 7 | 35% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Run from a Brazil-region account between 08 Jul to 26 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
Failures were rare but real: Hetzner declined on three attempts, and we never did get it through.
What to change before you retry
- Hetzner: 0 of 27 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
- PlayStation Network: 7 of 20 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.
Three things worth doing
- Set the billing address to exactly what Neon generates for Brazil. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
- 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.
Worth it?
We would rank it above average and below the top tier. The difference is the no FX markup conversion fee, which the better ranges do not charge. The one thing we would change is the funding fee. Everything else about it is fine.
Questions we get about 475187
What does the 475187 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Neon, country of issue Brazil, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 475187 a real card number?
No, and this trips people up. 475187 is a range identifier shared across every card Neon issues in Brazil. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 475187 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?
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.
Method
We bought a Neon card, funded it, and pushed 210 charges through live merchant checkout pages between 08 Jul to 26 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 153 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 01 September 2026 · 210 charges on record for this range.