539508 BIN Check - EEA (Europe) Mastercard Debit Card
204 of 286 attempts cleared, and most of those came from three merchants: Epic Games Store, Google Play, Steam.
Short entry for a range that punches above its weight. 539508 comes from CEX.IO Card, EEA (Europe), Mastercard, Debit. It is the card we hand people who have already failed twice elsewhere.
539508 in plain terms
- BIN
- 539508
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- CEX.IO Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EEA
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low-Medium
Costs, stacked up
Expect no issuance fee and no top-up fee. Billing outside USD brings no FX markup with it. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Epic Games Store | 91 | 84 | 92% | went through on a fresh card with the issuer's default address |
| Google Play | 74 | 64 | 86% | cleared on the first attempt, no challenge issued |
| Steam | 57 | 46 | 81% | cleared first time; a second charge a week later also went through |
| Tidal | 37 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| Walmart | 27 | 10 | 37% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a EEA (Europe)-region account between 29 Jul to 09 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
If you buy from Tidal, use something else. It declined consistently. Walmart was fine on retry.
What to change before you retry
- Tidal: 0 of 37 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.
- Walmart: 10 of 27 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.
Getting it to work first time
- Set the billing address to exactly what CEX.IO Card generates for EEA (Europe). Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
- 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.
Where we land
If your merchants are mostly in EEA (Europe), 539508 is a reasonable default. If they are not, the no FX markup conversion cost will annoy you. Ranked on cost alone it sits mid-table. Ranked on consistency it moves up a few places.
What people ask us
What does the 539508 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer CEX.IO Card, country of issue EEA (Europe), product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 539508 a real card number?
No, and this trips people up. 539508 is a range identifier shared across every card CEX.IO Card issues in EEA (Europe). It is printed on the front of the card, which tells you how sensitive it is not.
Why would 539508 be declined if the range is fine?
Of the 286 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 539508.
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 CEX.IO Card card, funded it, and pushed 286 charges through live merchant checkout pages between 29 Jul to 09 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 204 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 12 September 2026 · 286 charges on record for this range.