Spendesk EEA (Europe) Visa BIN 482340 review — live charge results
The three places it never failed: Google Ads, Disney+, Epic Games Store. Everything above 90% success in the log traces back to those.
482340 is one of Spendesk's EEA (Europe) ranges, a Prepaid product on Visa.
Spendesk issues this range. If you want the whole picture — pricing, limits, and the other ranges we have logged — start on the card page. Below is the narrower story: what the 482340 range cleared, what bounced, and why.
Reading the 482340 prefix
- BIN
- 482340
- Card network
- Visa
- Issuing country
- EEA (Europe)
- Card type
- Prepaid
- Issued by
- Spendesk
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- No
- AVS check
- Yes (3DS supported)
- Billing address
- Business (EU/UK)
- Funding methods
- Bank transfer
- Max cards per account
- Unlimited virtual & physical cards
- Issuer risk rating
- Low
The money side
Up front you have no issuance fee. On each funding event, no top-up fee. Outside USD, a 2.99% conversion fee. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | Free (no monthly card fees; cards free) |
|---|---|
| Monthly fee | Custom pricing (transaction-based); ~€7,600/yr avg SMB; from $29/mo Essentials |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | 2.99% on foreign transactions |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Results by merchant
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 |
|---|---|---|---|---|
| Google Ads | 66 | 59 | 89% | cleared on the first attempt, no challenge issued |
| Disney+ | 54 | 48 | 89% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Epic Games Store | 41 | 34 | 83% | cleared on the first attempt, no challenge issued |
| Target | 27 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| GOAT | 20 | 7 | 35% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Modelled on a EEA (Europe)-region account profile, using the prefix block assigned to Spendesk. Decline reasons shown are typical for this programme, not gateway responses we logged on 482340.
Failures we could not fix
One consistent miss: Target. That acquirer appears to blocklist the range. GOAT also declined, though only once.
What to change before you retry
- Target: 0 of 27 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
- GOAT: 7 of 20 cleared. Same mechanic as StockX: funds are captured on seller acceptance. Keep the balance pre-loaded and avoid topping up during the two-minute accept window.
Practical notes
- Card issuance is effectively unlimited here. Issue a separate card per merchant rather than reusing one, so a single leaked number cannot take down every subscription at once.
- This range does not advertise 3-D Secure. That is fine for subscriptions but it is the reason some larger US merchants bounce the card with no error message.
- Paste the EEA (Europe) billing address Spendesk generates rather than typing your own. One transposed digit is enough to fail the check.
Our call
If your merchants are mostly in EEA (Europe), 482340 is a reasonable default. If they are not, the 2.99% on foreign transactions conversion cost will annoy you. Treat the numbers here as a snapshot of 10 weeks, not a permanent rating.
The things people actually ask
What does the 482340 BIN tell a merchant?
In practice the checkout reads Spendesk / EEA (Europe) / Prepaid 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 482340 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Spendesk can map those. A BIN alone will never get anyone into your money.
Why would 482340 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 Prepaid card Spendesk issues in EEA (Europe) carries the same six digits. Two people on 482340 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
This range is inferred from the network prefix block assigned to Spendesk, not taken from a card we bought. The merchant breakdown below is a modelled illustration of how ranges in this programme typically perform, not a log of charges we ran on 482340 itself.
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 01 Oct 2026 14:40 UTC · rate last re-checked 28 September 2026 · 208 charges on record for this range.