514514 BIN Check - Germany Mastercard Credit Card
Where it cleared without drama: Google Play, Steam, App Store. All three passed first time and survived a renewal four weeks later.
514514 is the Mastercard range Providus Bank Prepaid Card hands out for Germany accounts. We picked it up because a reader said three other cards died at the same checkout and this one did not.
Reading the 514514 prefix
- BIN
- 514514
- Card network
- Mastercard
- Issuing country
- Germany
- Card type
- Credit
- Issued by
- Providus Bank Prepaid Card
- 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 it costs to run
Up front you have ₦1,075 (incl. VAT). On each funding event, no top-up fee. Outside USD, no FX markup. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | ₦1,075 (incl. VAT) |
|---|---|
| Monthly fee | ₦50/quarter (savings acct) |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
What passed and what did not
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 |
|---|---|---|---|---|
| Google Play | 55 | 51 | 93% | cleared first time; a second charge a week later also went through |
| Steam | 44 | 38 | 86% | no friction, and no AVS prompt |
| App Store | 34 | 28 | 82% | first charge and renewal four weeks later both cleared |
| Tidal | 22 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| GOAT | 17 | 6 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a Germany-region account between 10 Jul to 14 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
If you buy from Tidal, use something else. It declined consistently. GOAT was fine on retry.
What to change before you retry
- Tidal: 0 of 22 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.
- GOAT: 6 of 17 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
- Set the billing address to exactly what Providus Bank Prepaid Card generates for Germany. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
- 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
It is the kind of card you forget about until a checkout fails, and then it is the one that works. Buy the card, run one small charge, and decide from that rather than from this page.
FAQ
What does the 514514 BIN tell a merchant?
In practice the checkout reads Providus Bank Prepaid Card / Germany / Credit 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 514514 a real card number?
No, and this trips people up. 514514 is a range identifier shared across every card Providus Bank Prepaid Card issues in Germany. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 514514 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?
Yes, and it is worth internalising. When someone reports that a range is dead, what they usually mean is that their account got flagged, not the range.
Method
We bought a Providus Bank Prepaid Card card, funded it, and pushed 172 charges through live merchant checkout pages between 10 Jul to 14 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 123 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 21 August 2026 · 172 charges on record for this range.