519682 VCC - EEA (Europe) Mastercard Virtual Card Review
Straight runs on Steam, Perplexity AI, App Store. No 3-D Secure loops, no AVS rejections, no manual review flags.
Range check: 519682, Mastercard, EEA (Europe), Debit, issuer SwissBorg Card. Below is the cost breakdown and the merchants where it held up.
Reading the 519682 prefix
- BIN
- 519682
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- SwissBorg Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EEA/UK/Switzerland
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low-Medium
The money side
Three lines decide it. Issuance: no issuance fee. Funding: no top-up fee. Conversion: no FX markup. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | Free (2026 Q1 virtual card) |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 92 | 82 | 89% | first charge and renewal four weeks later both cleared |
| Perplexity AI | 74 | 67 | 91% | cleared, 3-D Secure completed in-app in under 20 seconds |
| App Store | 57 | 47 | 82% | went through on a fresh card with the issuer's default address |
| Hetzner | 37 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Walmart | 28 | 10 | 36% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Run from a EEA (Europe)-region account between 23 Jun to 25 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 Hetzner, use something else. It declined consistently. Walmart was fine on retry.
What to change before you retry
- Hetzner: 0 of 37 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
- Walmart: 10 of 28 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.
Do these first
- 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.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Use the EEA (Europe) address SwissBorg Card gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Our call
We would not build a whole spend strategy on one Debit range, but as one card among two or three it earns its place. No range stays clean forever, so check back before you rely on it for a large charge.
BIN questions, answered
What does the 519682 BIN tell a merchant?
In practice the checkout reads SwissBorg Card / 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 519682 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 519682 be declined if the range is fine?
Of the 288 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 519682.
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 we got these numbers
We bought a SwissBorg Card card, funded it, and pushed 288 charges through live merchant checkout pages between 23 Jun to 25 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 206 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 27 August 2026 · 288 charges on record for this range.