528186 BIN Check - Germany Mastercard Debit Card
Strongest results on YouTube Premium, Netflix, Disney+. Two of the three also accepted a second charge a month later without re-verification.
Short entry for a range that punches above its weight. 528186 comes from Misan by Bamboo, Germany, Mastercard, Debit. It is the card we hand people who have already failed twice elsewhere.
The spec sheet
- BIN
- 528186
- Card network
- Mastercard
- Issuing country
- Germany
- Card type
- Debit
- Issued by
- Misan by Bamboo
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Not published
- Max cards per account
- Not published
- Issuer risk rating
- Medium
The money side
The signup cost is easy to compare and mostly irrelevant. What follows you around is a 0.8% top-up fee, with no FX markup sitting behind it. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | $4 |
|---|---|
| Monthly fee | $1/quarter |
| Top-up fee | 0.8% (min $1) |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | 1 |
The test results
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| YouTube Premium | 95 | 87 | 92% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Netflix | 77 | 68 | 88% | no friction, and no AVS prompt |
| Disney+ | 59 | 50 | 85% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Hulu | 38 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Best Buy | 29 | 11 | 38% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Germany-region account between 30 Jun to 18 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 Hulu, use something else. It declined consistently. Best Buy was fine on retry.
What to change before you retry
- Hulu: 0 of 38 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
- Best Buy: 11 of 29 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.
Do these first
- The minimum load is 1. Start there rather than at the maximum, because an untested range is not worth a large balance.
- 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.
- Set the billing address to exactly what Misan by Bamboo generates for Germany. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Final word
It is the kind of card you forget about until a checkout fails, and then it is the one that works. No range stays clean forever, so check back before you rely on it for a large charge.
What people ask us
What does the 528186 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Misan by Bamboo, country of issue Germany, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 528186 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Misan by Bamboo can map those. A BIN alone will never get anyone into your money.
Why would 528186 be declined if the range is fine?
Changing one variable at a time is the only way to diagnose this. Address first, then card, then the connection country. We have seen people change all three and learn nothing.
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.
Test setup
We bought a Misan by Bamboo card, funded it, and pushed 298 charges through live merchant checkout pages between 30 Jun to 18 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 216 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 · 298 charges on record for this range.