Visa Virtual Card BIN 475624 - Saudi Arabia (Debit)
Our log shows clean passes on App Store, Epic Games Store, Steam, first charge and renewal both going through.
The first thing to know about 475624 is that it is not an anonymous range. STC Pay issues it in Saudi Arabia and the Visa prefix is registered, which is why fewer merchants treat it as high risk.
475624, decoded
- BIN
- 475624
- Card network
- Visa
- Issuing country
- Saudi Arabia
- Card type
- Debit
- Issued by
- STC Pay
- 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
The money side
Up front you have no issuance fee. On each funding event, no top-up fee. Outside USD, a 3% conversion fee. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | 3% international (STC Bank card) |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| App Store | 98 | 90 | 92% | first charge and renewal four weeks later both cleared |
| Epic Games Store | 79 | 71 | 90% | went through on a fresh card with the issuer's default address |
| Steam | 61 | 52 | 85% | went through on a fresh card with the issuer's default address |
| Tidal | 39 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Crunchyroll | 30 | 11 | 37% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Run from a Saudi Arabia-region account between 03 Jul to 04 Sep 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
Two merchants gave us trouble, Tidal and Crunchyroll. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- Tidal: 0 of 39 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.
- Crunchyroll: 11 of 30 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.
Before you try it
- 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.
- Watch the 3% conversion fee. Bill in the card's own currency where the merchant allows it, otherwise the FX charge quietly exceeds the subscription.
- Paste the Saudi Arabia billing address STC Pay generates rather than typing your own. One transposed digit is enough to fail the check.
Verdict, briefly
We would not build a whole spend strategy on one Debit range, but as one card among two or three it earns its place. The pattern across all 307 attempts was consistent, which is the most useful thing you can say about a card range.
BIN questions, answered
What does the 475624 BIN tell a merchant?
In practice the checkout reads STC Pay / Saudi Arabia / 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 475624 a real card number?
No, and this trips people up. 475624 is a range identifier shared across every card STC Pay issues in Saudi Arabia. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 475624 be declined if the range is fine?
Of the 307 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 475624.
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 STC Pay card, funded it, and pushed 307 charges through live merchant checkout pages between 03 Jul to 04 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 224 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 12 September 2026 · 307 charges on record for this range.