Mastercard Virtual Card BIN 520561 - France (Credit)
We would rank Epic Games Store, Steam, Google Play as the safest bets on this range, based on 121 passes out of 169 attempts.
Short entry for a range that punches above its weight. 520561 comes from Swile, France, Mastercard, Credit. It is the card we hand people who have already failed twice elsewhere.
520561 in plain terms
- BIN
- 520561
- Card network
- Mastercard
- Issuing country
- France
- Card type
- Credit
- Issued by
- Swile
- 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
The fee stack
Compared with the rest of the directory this sits mid-table. no issuance fee to open, no top-up fee to fund, and no FX markup on conversion. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | Free |
|---|---|
| Monthly fee | Per-employee SaaS (not public) |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Results 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 |
|---|---|---|---|---|
| Epic Games Store | 54 | 49 | 91% | cleared first time; a second charge a week later also went through |
| Steam | 43 | 38 | 88% | went through on a fresh card with the issuer's default address |
| Google Play | 33 | 28 | 85% | cleared first time; a second charge a week later also went through |
| Target | 21 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| GOAT | 18 | 6 | 33% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a France-region account between 12 Jul to 06 Sep 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
We only saw failures on Target when the account region did not match the card country. With both set to France it passed.
What to change before you retry
- Target: 0 of 21 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
- GOAT: 6 of 18 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.
Setup notes for Swile
- 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 France billing address Swile generates rather than typing your own. One transposed digit is enough to fail the check.
What the numbers add up to
We would rank it above average and below the top tier. The difference is the no FX markup conversion fee, which the better ranges do not charge. The pattern across all 169 attempts was consistent, which is the most useful thing you can say about a card range.
Questions we get about 520561
What does the 520561 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Swile, country of issue France, product class Credit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 520561 a real card number?
No, and this trips people up. 520561 is a range identifier shared across every card Swile issues in France. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 520561 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?
That is the normal case. Every Credit card Swile issues in France carries the same six digits. Two people on 520561 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 Swile card, funded it, and pushed 169 charges through live merchant checkout pages between 12 Jul to 06 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 121 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 08 September 2026 · 169 charges on record for this range.