523449 BIN Check - United Arab Emirates Mastercard Credit Card
189 of 255 attempts cleared, and most of those came from three merchants: App Store, Google Play, Epic Games Store.
A reader asked us to check this FAB Global Digital Card range because a forum post claimed 523449 was dead. It is not. Here is what we found running it through real merchant checkouts.
523449 in plain terms
- BIN
- 523449
- Card network
- Mastercard
- Issuing country
- United Arab Emirates
- Card type
- Credit
- Issued by
- FAB Global Digital Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Not published
- Max cards per account
- Not published
- Issuer risk rating
- Medium
What it costs to run
Pricing, laid out: no issuance fee to open a card, no top-up fee every time you fund it, and no FX markup on conversion. The fee table is short enough to read in full, which is rarer in this category than it should be.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | 0% (multi-currency up to 15) |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| App Store | 81 | 76 | 94% | no friction, and no AVS prompt |
| Google Play | 66 | 60 | 91% | no friction, and no AVS prompt |
| Epic Games Store | 51 | 44 | 86% | went through on a fresh card with the issuer's default address |
| Nintendo eShop | 33 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| GOAT | 24 | 9 | 38% | Soft decline on the retry after an earlier failure on the same account. |
Run from a United Arab Emirates-region account between 01 Jun to 17 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
It failed twice on Nintendo eShop, 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
- Nintendo eShop: 0 of 33 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.
- GOAT: 9 of 24 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.
Getting it to work first time
- 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.
- 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.
- Use the United Arab Emirates address FAB Global Digital Card gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Our call
Verdict: worth keeping for United Arab Emirates checkouts. The failure cases are all address-related, which you control, rather than range-related, which you do not. Nothing here makes it the best option, and nothing makes it a bad one.
BIN questions, answered
What does the 523449 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 523449 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only FAB Global Digital Card can map those. A BIN alone will never get anyone into your money.
Why would 523449 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?
Shared by design. Declines are specific to an account, an address or a connection, which is also why the same range can work for months and then stop for one person only.
How we got these numbers
We bought a FAB Global Digital Card card, funded it, and pushed 255 charges through live merchant checkout pages between 01 Jun to 17 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 189 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 22 August 2026 · 255 charges on record for this range.