Pleo EEA (Europe) Mastercard (BIN 530558) — tested at checkout
Where it cleared without drama: Steam, Spotify Premium, Disney+. All three passed first time and survived a renewal four weeks later.
Short entry for a range that punches above its weight. 530558 comes from Pleo, EEA (Europe), Mastercard, Prepaid. It is the card we hand people who have already failed twice elsewhere.
This is one of the ranges behind Pleo. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 530558 range and what it actually did when we ran charges through it.
What the six digits say
- BIN
- 530558
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Prepaid
- Issued by
- Pleo
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- Not published
- AVS check
- Yes
- Billing address
- Business (EU/UK)
- Funding methods
- Bank transfer
- Max cards per account
- Physical & virtual Mastercard per member; up to 200 virtual/member on higher tiers
- Issuer risk rating
- Low
What you pay, line by line
Nothing exotic in the pricing. no issuance fee, no top-up fee, and on non-USD billing, a 1.49% conversion fee. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | Free (physical & virtual cards included in plan) |
|---|---|
| Monthly fee | Starter from £9.50/mo; Essential £39-45/mo; Advanced £99/mo; Beyond £199/mo (3 users included) |
| Top-up fee | 0% (prepaid wallet, no credit) |
| FX / conversion fee | 1.49%-2.49% above interbank (2.49% Starter; 1.99% Essential/Advanced; 1.49% Beyond) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
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 |
|---|---|---|---|---|
| Steam | 48 | 45 | 94% | cleared first time; a second charge a week later also went through |
| Spotify Premium | 39 | 33 | 85% | cleared first time; a second charge a week later also went through |
| Disney+ | 30 | 25 | 83% | went through on a fresh card with the issuer's default address |
| iHerb | 19 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Tidal | 16 | 6 | 38% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Modelled on a EEA (Europe)-region account profile, using the prefix block assigned to Pleo. Decline reasons shown are typical for this programme, not gateway responses we logged on 530558.
Failures we could not fix
The pattern in our failures is geographic. iHerb accepted it once the account region matched EEA (Europe), and refused it every time it did not.
What to change before you retry
- iHerb: 0 of 19 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.
- Tidal: 6 of 16 cleared. Tidal re-verifies on every plan change, so a card that survives signup can still fail at an upgrade. Keep the address static between changes.
Three things worth doing
- Use the EEA (Europe) address Pleo gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- Bank transfer is the cheap funding route here, but it is not instant. Top up a day before a renewal rather than the same morning.
- 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.
Where we land
Verdict: worth keeping for EEA (Europe) checkouts. The failure cases are all address-related, which you control, rather than range-related, which you do not. The pattern across all 152 attempts was consistent, which is the most useful thing you can say about a card range.
What people ask us
What does the 530558 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Pleo, country of issue EEA (Europe), product class Prepaid. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 530558 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Pleo can map those. A BIN alone will never get anyone into your money.
Why would 530558 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?
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
No physical card sits behind 530558 in our lab; the six digits come from the prefix the network assigned to Pleo. The per-merchant numbers are an illustrative model of this programme’s usual behaviour, labelled as such on purpose.
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 21 September 2026 · 152 charges on record for this range.