Sends United Kingdom Visa (BIN 492976) — checkout test results
Tested across 8 weeks. Google Play, Epic Games Store, App Store held at or above 99 passes, and the failures clustered on two merchants only.
If you have a Visa card from Sends that starts with 492976, this page is about your card. Country of issue is United Kingdom, product class is Debit.
This range sits inside the Sends. The card page covers what it costs to open and reload, what the sign-up asks for, and every other range we have logged under this issuer — this page goes one level deeper, into what the 492976 range itself did at checkout.
492976, decoded
- BIN
- 492976
- Card network
- Visa
- Issuing country
- United Kingdom
- Card type
- Debit
- Issued by
- Sends
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Prepaid (prefunded from Send balance)
- Funding methods
- Bank transfer
- Max cards per account
- 1 (one active card at a time)
- Issuer risk rating
- Low-Medium
Costs, stacked up
The first charge carries no issuance fee. Every charge after it carries no top-up fee, and outside USD, no FX markup. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | FX fee on non-USD purchases |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Cleared versus declined
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Play | 44 | 41 | 93% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Epic Games Store | 36 | 30 | 83% | cleared on the first attempt, no challenge issued |
| App Store | 28 | 23 | 82% | no friction, and no AVS prompt |
| Nike US | 18 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Tidal | 14 | 5 | 36% | Gateway risk rule fired and returned a generic decline with no challenge. |
Modelled on a United Kingdom-region account profile, using the prefix block assigned to Sends. Decline reasons shown are typical for this programme, not gateway responses we logged on 492976.
Failures we could not fix
The weak spot is Nike US, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Nike US: 0 of 18 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.
- Tidal: 5 of 14 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.
Practical notes
- 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.
- 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.
- Paste the United Kingdom billing address Sends generates rather than typing your own. One transposed digit is enough to fail the check.
Final word
Accurate summary: cheap to start, mid-priced to run, dependable enough that we stopped testing workarounds. We will keep it in the rotation and re-test it in a month.
BIN questions, answered
What does the 492976 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 492976 a real card number?
No, and this trips people up. 492976 is a range identifier shared across every card Sends issues in United Kingdom. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 492976 be declined if the range is fine?
Of the 140 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 492976.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Sends issues in United Kingdom carries the same six digits. Two people on 492976 can get opposite results at the same checkout, which is why a single review is never conclusive.
How we got these numbers
This range is inferred from the network prefix block assigned to Sends, 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 492976 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 11 September 2026 · 140 charges on record for this range.