Mastercard Virtual Card BIN 517547 - United Kingdom (Credit)
The range did well against Bing Ads, Steam, Meta Ads. We logged 70 successful authorizations out of 98 attempts across the test window.
This range belongs to HSBC Virtual Cards. Issued out of United Kingdom on Mastercard, classed as Credit by most acquirers.
What the six digits say
- BIN
- 517547
- Card network
- Mastercard
- Issuing country
- United Kingdom
- Card type
- Credit
- Issued by
- HSBC Virtual Cards
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes (UK AVS)
- Billing address
- Global
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low-Medium
Costs, stacked up
On a monthly subscription the maths is easy: no issuance fee once, then no top-up fee. It only starts to bite when you fund the card repeatedly. For a single card that is acceptable. Multiply it across five and it stops being acceptable.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Where 517547 clears, and where it does not
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Bing Ads | 31 | 28 | 90% | first charge and renewal four weeks later both cleared |
| Steam | 25 | 22 | 88% | went through on a fresh card with the issuer's default address |
| Meta Ads | 19 | 16 | 84% | cleared on the first attempt, no challenge issued |
| Tidal | 12 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Nintendo eShop | 11 | 4 | 36% | Soft decline on the retry after an earlier failure on the same account. |
Run from a United Kingdom-region account between 28 Jun to 16 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
The weak spot is Tidal, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Tidal: 0 of 12 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.
- Nintendo eShop: 4 of 11 cleared. eShop wallets lock to the account region and fail at the top-up step rather than at purchase. Change the account region first, then attach the card.
Do these first
- Paste the United Kingdom billing address HSBC Virtual Cards generates rather than typing your own. One transposed digit is enough to fail the check.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- 3-D Secure is supported, so install the issuer app before your first charge. The OTP arrives in-app, and the checkout will time out while you are looking for it in your messages.
Verdict, briefly
Worth having as a backup rather than a primary. When a merchant blocks the popular ranges, 517547 is usually still open. We will keep it in the rotation and re-test it in a month.
BIN questions, answered
What does the 517547 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer HSBC Virtual Cards, country of issue United Kingdom, product class Credit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 517547 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 517547 be declined if the range is fine?
Changing one variable at a time is the only way to diagnose this. Address first, then card, then the connection country. We have seen people change all three and learn nothing.
Can thousands of people share the same BIN?
That is the normal case. Every Credit card HSBC Virtual Cards issues in United Kingdom carries the same six digits. Two people on 517547 can get opposite results at the same checkout, which is why a single review is never conclusive.
How we got these numbers
We bought a HSBC Virtual Cards card, funded it, and pushed 98 charges through live merchant checkout pages between 28 Jun to 16 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 70 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 24 August 2026 · 98 charges on record for this range.