Cino EEA (Europe) Mastercard Debit (BIN 525736) — checkout test results
Tested across 10 weeks. Epic Games Store, Steam, Google Play held at or above 83 passes, and the failures clustered on two merchants only.
There is not much to say about a BIN until you test one, so we ran 525736 from Cino against a live checkout and kept the log. Results below, including the two places it failed.
This range sits inside the Cino. 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 525736 range itself did at checkout.
525736 in plain terms
- BIN
- 525736
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- Cino
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EEA
- Funding methods
- Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low
What it costs to run
This is a Debit product, so there is no interest and no annual fee to model. Just no issuance fee, no top-up fee and no FX markup. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | 0% (groups created after Jul 2025); 2% (older groups) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Results by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Epic Games Store | 37 | 34 | 92% | cleared on the first attempt, no challenge issued |
| Steam | 30 | 26 | 87% | cleared on the first attempt, no challenge issued |
| Google Play | 23 | 19 | 83% | cleared on the first attempt, no challenge issued |
| Best Buy | 15 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| iHerb | 13 | 4 | 31% | Gateway risk rule fired and returned a generic decline with no challenge. |
Modelled on a EEA (Europe)-region account profile, using the prefix block assigned to Cino. Decline reasons shown are typical for this programme, not gateway responses we logged on 525736.
Failures we could not fix
Best Buy 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
- Best Buy: 0 of 15 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
- iHerb: 4 of 13 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.
Practical notes
- 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.
- Set the billing address to exactly what Cino generates for EEA (Europe). Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Worth it?
The 3-D Secure behaviour is the reason we keep it. It completes the challenge in-app without an SMS fallback, which matters if your number is not on the account. We would put it in the second tier. Reliable, unremarkable, and cheap enough to keep around.
Questions we get about 525736
What does the 525736 BIN tell a merchant?
In practice the checkout reads Cino / 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 525736 a real card number?
No, and this trips people up. 525736 is a range identifier shared across every card Cino issues in EEA (Europe). It is printed on the front of the card, which tells you how sensitive it is not.
Why would 525736 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 this test was run
This range is inferred from the network prefix block assigned to Cino, 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 525736 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 08 September 2026 · 118 charges on record for this range.