523403 BIN Check - United Kingdom Mastercard Debit Card
We would rank Epic Games Store, Google Play, App Store as the safest bets on this range, based on 93 passes out of 134 attempts.
Short entry for a range that punches above its weight. 523403 comes from Chase UK, United Kingdom, Mastercard, Debit. It is the card we hand people who have already failed twice elsewhere.
523403, decoded
- BIN
- 523403
- Card network
- Mastercard
- Issuing country
- United Kingdom
- Card type
- Debit
- Issued by
- Chase UK
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- No
- AVS check
- Yes (UK AVS)
- Billing address
- UK General
- Funding methods
- Bank transfer
- Max cards per account
- 1 virtual card
- Issuer risk rating
- Low-Medium
What it costs to run
The signup cost is easy to compare and mostly irrelevant. What follows you around is no top-up fee, with no FX markup sitting behind it. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | Free (with Chase UK account) |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | No FX fees |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
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 |
|---|---|---|---|---|
| Epic Games Store | 42 | 38 | 90% | cleared first time; a second charge a week later also went through |
| Google Play | 34 | 29 | 85% | cleared on the first attempt, no challenge issued |
| App Store | 26 | 21 | 81% | cleared on the first attempt, no challenge issued |
| Sephora US | 17 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| iHerb | 15 | 5 | 33% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Run from a United Kingdom-region account between 05 Jul to 30 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
Sephora US rejected it outright. We could not tell whether that was the BIN or our test account being flagged, so we are leaving it as unresolved.
What to change before you retry
- Sephora US: 0 of 17 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
- iHerb: 5 of 15 cleared. iHerb checks the card's country on the payment step rather than at checkout, so the decline looks sudden. Fix the address first, then the range.
Do these first
- Paste the United Kingdom billing address Chase UK generates rather than typing your own. One transposed digit is enough to fail the check.
- 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.
- Your tier allows 1 cards. Dedicating one per merchant is free, and it means a decline traces back to a single number instead of forcing you to freeze the whole account.
Worth it?
Worth having as a backup rather than a primary. When a merchant blocks the popular ranges, 523403 is usually still open. Take the Debit label seriously though. Some merchant rules treat it differently to credit.
The things people actually ask
What does the 523403 BIN tell a merchant?
Roughly: who issued it, where, and what kind of product it is. Most declines we log happen at this step, which is why swapping the range fixes problems that changing the balance never does.
Is 523403 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Chase UK can map those. A BIN alone will never get anyone into your money.
Why would 523403 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.
How we got these numbers
We bought a Chase UK card, funded it, and pushed 134 charges through live merchant checkout pages between 05 Jul to 30 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 93 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 07 September 2026 · 134 charges on record for this range.