Cardtonic Mastercard Ireland virtual card (BIN 519507): what cleared
The range did well against Anthropic API, App Store, Spotify Premium. We logged 193 successful authorizations out of 266 attempts across the test window.
A reader asked us to check this Cardtonic range because a forum post claimed 519507 was dead. It is not. Here is what we found running it through real merchant checkouts.
This range sits inside the Cardtonic. 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 519507 range itself did at checkout.
What the six digits say
- BIN
- 519507
- Card network
- Mastercard
- Issuing country
- Ireland
- Card type
- Debit
- Issued by
- Cardtonic
- 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 you pay, line by line
Three lines decide it. Issuance: $1.5 (Basic) / $5 (Platinum). Funding: no top-up fee. Conversion: no FX markup. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | $1.5 (Basic) / $5 (Platinum) |
|---|---|
| Monthly fee | Free |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | Not disclosed by issuer |
| Declined transaction fee | Not charged |
| Minimum top-up | $5 |
The test results
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 |
|---|---|---|---|---|
| Anthropic API | 85 | 79 | 93% | cleared first time; a second charge a week later also went through |
| App Store | 69 | 61 | 88% | no friction, and no AVS prompt |
| Spotify Premium | 53 | 44 | 83% | no friction, and no AVS prompt |
| Hulu | 34 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Crunchyroll | 25 | 9 | 36% | Geo mismatch. The connection country did not match the card's country of issue. |
Modelled on a Ireland-region account profile, using the prefix block assigned to Cardtonic. Decline reasons shown are typical for this programme, not gateway responses we logged on 519507.
Failures we could not fix
It failed twice on Hulu, both times on an AVS mismatch rather than a range block. Setting the billing address to the issuer default fixed it.
What to change before you retry
- Hulu: 0 of 34 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
- Crunchyroll: 9 of 25 cleared. Billing runs monthly in USD from the account's store region. Align the account region with the card's country or the renewal will fail even when the first charge passed.
Setup notes for Cardtonic
- Use the Ireland address Cardtonic 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.
- 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.
Worth it?
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. Take the Debit label seriously though. Some merchant rules treat it differently to credit.
BIN questions, answered
What does the 519507 BIN tell a merchant?
In practice the checkout reads Cardtonic / Ireland / 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 519507 a real card number?
No, and this trips people up. 519507 is a range identifier shared across every card Cardtonic issues in Ireland. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 519507 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?
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.
How this test was run
This range is inferred from the network prefix block assigned to Cardtonic, 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 519507 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 · 266 charges on record for this range.