538322 VCC - EEA (Europe) Mastercard Virtual Card Review
Tested across 9 weeks. Google Play, Steam, App Store held at or above 165 passes, and the failures clustered on two merchants only.
This range belongs to OKX Card. Issued out of EEA (Europe) on Mastercard, classed as Debit by most acquirers.
538322 in plain terms
- BIN
- 538322
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- OKX Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EEA/Brazil
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low-Medium
What you pay, line by line
Compared with the rest of the directory this sits mid-table. no issuance fee to open, no top-up fee to fund, and no FX markup on conversion. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Where 538322 clears, and where it does not
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Play | 73 | 67 | 92% | no friction, and no AVS prompt |
| Steam | 60 | 52 | 87% | first charge and renewal four weeks later both cleared |
| App Store | 46 | 38 | 83% | went through on a fresh card with the issuer's default address |
| Crunchyroll | 30 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Hetzner | 22 | 8 | 36% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a EEA (Europe)-region account between 03 Jul to 04 Sep 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
The weak spot is Crunchyroll, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Crunchyroll: 0 of 30 cleared. Billing runs monthly in USD from the account's store region. Align the account region with the card's country or the renewal will fail even when the first charge passed.
- Hetzner: 8 of 22 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
Three things worth doing
- Set the billing address to exactly what OKX Card generates for EEA (Europe). Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
- 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.
Worth it?
If your merchants are mostly in EEA (Europe), 538322 is a reasonable default. If they are not, the no FX markup conversion cost will annoy you. If you find a merchant where it behaves differently, tell us and we will add it to the log.
BIN questions, answered
What does the 538322 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 538322 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only OKX Card can map those. A BIN alone will never get anyone into your money.
Why would 538322 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.
What we did
We bought a OKX Card card, funded it, and pushed 231 charges through live merchant checkout pages between 03 Jul to 04 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 165 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 11 September 2026 · 231 charges on record for this range.