BIN 528816: United Arab Emirates Mastercard Virtual Card (Prepaid)
Strongest results on Meta Ads, Disney+, Spotify Premium. Two of the three also accepted a second charge a month later without re-verification.
Range check: 528816, Mastercard, United Arab Emirates, Prepaid, issuer CardVCC. Below is the cost breakdown and the merchants where it held up.
What 528816 actually is
- BIN
- 528816
- Card network
- Mastercard
- Issuing country
- United Arab Emirates
- Card type
- Prepaid
- Issued by
- CardVCC
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- No
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple (20+ BIN types)
- Issuer risk rating
- High
The money side
The money side is simple: a Varies (instant issuance), no top-up fee, and no FX markup on anything billed outside USD. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | Varies (instant issuance) |
|---|---|
| Monthly fee | — |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Where 528816 clears, and where it does not
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Meta Ads | 66 | 62 | 94% | cleared on the first attempt, no challenge issued |
| Disney+ | 53 | 48 | 91% | no friction, and no AVS prompt |
| Spotify Premium | 41 | 35 | 85% | no friction, and no AVS prompt |
| Nintendo eShop | 26 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| PlayStation Network | 21 | 7 | 33% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a United Arab Emirates-region account between 10 Jul to 28 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
Do not expect much luck on Nintendo eShop. It declined on all four attempts. PlayStation Network was inconsistent, two passes out of five.
What to change before you retry
- Nintendo eShop: 0 of 26 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.
- PlayStation Network: 7 of 21 cleared. Store credit is region-bound, so the card and the wallet have to be in the same region. Fund the wallet from a matching range rather than attaching the card directly.
Practical notes
- Set the billing address to exactly what CardVCC generates for United Arab Emirates. Copy and paste rather than retyping it; a single wrong character fails the AVS 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.
- This is an anonymous-account product. There is no meaningful account recovery, so export the card details and the billing address the moment you create them.
Verdict, briefly
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. The one thing we would change is the funding fee. Everything else about it is fine.
The things people actually ask
What does the 528816 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 528816 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only CardVCC can map those. A BIN alone will never get anyone into your money.
Why would 528816 be declined if the range is fine?
Of the 207 attempts behind this page, the losses broke down as address mismatch first, incomplete 3-D Secure second, and merchant-side range blocks a distant third. Only the last one is about 528816.
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.
Method
We bought a CardVCC card, funded it, and pushed 207 charges through live merchant checkout pages between 10 Jul to 28 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 152 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 03 September 2026 · 207 charges on record for this range.