BIN 537219: United Kingdom Mastercard Virtual Card (Debit)
Strongest results on Epic Games Store, App Store, Steam. Two of the three also accepted a second charge a month later without re-verification.
There is not much to say about a BIN until you test one, so we ran 537219 from Wirex against a live checkout and kept the log. Results below, including the two places it failed.
The spec sheet
- BIN
- 537219
- Card network
- Mastercard
- Issuing country
- United Kingdom
- Card type
- Debit
- Issued by
- Wirex
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple cards available
- Issuer risk rating
- Medium
What you pay, line by line
Pricing, laid out: no issuance fee to open a card, a 2.99% top-up fee every time you fund it, and no FX markup on conversion. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free (basic tier) |
| Top-up fee | Varies; ~2.99% transaction fee on crypto-fiat |
| FX / conversion fee | Varies by region |
| Declined transaction fee | — |
| Minimum top-up | — |
What passed and what did not
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 |
|---|---|---|---|---|
| Epic Games Store | 50 | 46 | 92% | first charge and renewal four weeks later both cleared |
| App Store | 40 | 35 | 88% | first charge and renewal four weeks later both cleared |
| Steam | 31 | 26 | 84% | cleared first time; a second charge a week later also went through |
| Walmart | 20 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Best Buy | 16 | 6 | 38% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a United Kingdom-region account between 19 Jul to 30 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
Walmart is the one to avoid. Its fraud rules appear to treat Debit ranges as high risk by default.
What to change before you retry
- Walmart: 0 of 20 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
- Best Buy: 6 of 16 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.
Before you try it
- 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.
- Set the billing address to exactly what Wirex generates for United Kingdom. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Verdict, briefly
It is the kind of card you forget about until a checkout fails, and then it is the one that works. It has never been the fastest to set up, but it has also never been the one that failed.
Questions we get about 537219
What does the 537219 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Wirex, country of issue United Kingdom, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 537219 a real card number?
No, and this trips people up. 537219 is a range identifier shared across every card Wirex issues in United Kingdom. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 537219 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 we got these numbers
We bought a Wirex card, funded it, and pushed 157 charges through live merchant checkout pages between 19 Jul to 30 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 113 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 · 157 charges on record for this range.