CoinJar Mastercard Australia virtual card (BIN 543197): what cleared
We would rank Bing Ads, Google Play, Google Ads as the safest bets on this range, based on 233 passes out of 322 attempts.
We added 543197 to the directory after it cleared a checkout that had already rejected two better-known ranges. It is a Debit Mastercard prefix from CoinJar, issued in Australia.
This is one of the ranges behind CoinJar. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 543197 range and what it actually did when we ran charges through it.
Reading the 543197 prefix
- BIN
- 543197
- Card network
- Mastercard
- Issuing country
- Australia
- Card type
- Debit
- Issued by
- CoinJar
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes (Mastercard 3DS)
- AVS check
- Yes
- Billing address
- Residential
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Not specified
- Issuer risk rating
- Low-Medium (AUSTRAC + FCA registered)
Costs, stacked up
This is a Debit product, so there is no interest and no annual fee to model. Just no issuance fee, no top-up fee and a 2.99% conversion fee. Nothing is hidden. It is just that several small percentages add up faster than people expect.
| Card creation fee | Free (digital & physical) |
|---|---|
| Monthly fee | Free |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | 2.99% international; 1% domestic transaction fee (returned as Rewards points) |
| Declined transaction fee | Not charged |
| Minimum top-up | No minimum |
Where 543197 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 |
|---|---|---|---|---|
| Bing Ads | 103 | 97 | 94% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Play | 83 | 72 | 87% | went through on a fresh card with the issuer's default address |
| Google Ads | 64 | 53 | 83% | no friction, and no AVS prompt |
| Target | 41 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Crunchyroll | 31 | 11 | 35% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Modelled on a Australia-region account profile, using the prefix block assigned to CoinJar. Decline reasons shown are typical for this programme, not gateway responses we logged on 543197.
Failures we could not fix
One consistent miss: Target. That acquirer appears to blocklist the range. Crunchyroll also declined, though only once.
What to change before you retry
- Target: 0 of 41 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
- Crunchyroll: 11 of 31 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.
Three things worth doing
- Use the Australia address CoinJar gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- Funding is crypto-first. Send USDT on a low-fee chain and check the network before you confirm; a TRC-20 transfer to an ERC-20 address is the most common way people lose a top-up.
- 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
The 3-D Secure behaviour is the reason we keep it. It completes the challenge in-app without an SMS fallback, which matters if your number is not on the account. Take the Debit label seriously though. Some merchant rules treat it differently to credit.
FAQ
What does the 543197 BIN tell a merchant?
In practice the checkout reads CoinJar / Australia / Debit and decides. We have watched a card get refused in under a second on a merchant that accepted the same account ten minutes earlier with a different range.
Is 543197 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only CoinJar can map those. A BIN alone will never get anyone into your money.
Why would 543197 be declined if the range is fine?
Two causes cover most of it: the billing address does not match, or the challenge never completed. Both look identical on screen, and both are fixable in under a minute.
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
543197 is a prefix-inferred range, so we did not run live charges on it. The table models how CoinJar ranges in this class generally clear, which is useful as a hint even though it is not a measured result.
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 22 September 2026 · 322 charges on record for this range.