SpectroCoin EEA (Europe) Visa BIN 487779 review — live charge results
We would rank Epic Games Store, Google Play, Steam as the safest bets on this range, based on 243 passes out of 340 attempts.
If you have a Visa card from SpectroCoin that starts with 487779, this page is about your card. Country of issue is EEA (Europe), product class is Debit.
This is one of the ranges behind SpectroCoin. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 487779 range and what it actually did when we ran charges through it.
The spec sheet
- BIN
- 487779
- Card network
- Visa
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- SpectroCoin
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- No
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Limited
- Issuer risk rating
- Medium
The money side
The first charge carries no issuance fee. Every charge after it carries a 1.5% top-up fee, and outside USD, no FX markup. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free (virtual); EUR 5 / GBP 5 (physical) |
|---|---|
| Monthly fee | EUR 1/month (EUR 12/year) |
| Top-up fee | Free wallet load; ~1.5% crypto-to-EUR spread |
| FX / conversion fee | 0% EEA EUR; 0.5% EEA non-EUR; 1% international; +EUR 0.50/tx |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Results by merchant
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 |
|---|---|---|---|---|
| Epic Games Store | 108 | 99 | 92% | first charge and renewal four weeks later both cleared |
| Google Play | 88 | 75 | 85% | cleared first time; a second charge a week later also went through |
| Steam | 68 | 57 | 84% | cleared on the first attempt, no challenge issued |
| Walmart | 44 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Hulu | 32 | 12 | 38% | 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 SpectroCoin. Decline reasons shown are typical for this programme, not gateway responses we logged on 487779.
Failures we could not fix
Walmart is the one to avoid. Its fraud rules appear to treat Debit ranges as high risk by default.
What to change before you retry
- Walmart: 0 of 44 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
- Hulu: 12 of 32 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
Do these first
- 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.
- Use the EEA (Europe) address SpectroCoin gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- 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.
Our call
If you only need one subscription this is more than enough. If you are running paid traffic at volume the Free wallet load; ~1.5% crypto-to… funding fee starts to hurt around the third month. Keep it as one card in a small rotation rather than the only thing you fund; single-range reliance is what leaves people stuck when a merchant tightens.
Questions we get about 487779
What does the 487779 BIN tell a merchant?
In practice the checkout reads SpectroCoin / EEA (Europe) / 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 487779 a real card number?
Six digits of a sixteen-digit number. You can post it publicly without consequence; what you must never post is the full number plus the CVV.
Why would 487779 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 SpectroCoin issues in EEA (Europe) carries the same six digits. Two people on 487779 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
This range is inferred from the network prefix block assigned to SpectroCoin, 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 487779 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 08 September 2026 · 340 charges on record for this range.