Brighty EEA (Europe) Mastercard BIN 546150 review — live charge results
Strongest results on Epic Games Store, Steam, Google Play. Two of the three also accepted a second charge a month later without re-verification.
Range check: 546150, Mastercard, EEA (Europe), Debit, issuer Brighty. Below is the cost breakdown and the merchants where it held up.
This range sits inside the Brighty. The card page covers what it costs to open and reload, what the sign-up asks for, and every other range we have logged under this issuer — this page goes one level deeper, into what the 546150 range itself did at checkout.
What 546150 actually is
- BIN
- 546150
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- Brighty
- 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
- 1 (One) / 2 (Plus)
- Issuer risk rating
- custodial; Bank of Lithuania restriction on Monavate in Dec 2025 forced a card transition
The money side
Nothing exotic in the pricing. 2.99 EUR virtual, no top-up fee, and on non-USD billing, a 0.6% conversion fee. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | 2.99 EUR virtual; physical orders currently unavailable |
|---|---|
| Monthly fee | Free EUR (One) / 9 EUR (Plus) / Pro tier |
| Top-up fee | 0% top-up |
| FX / conversion fee | 0.6% (One); first 2,000 EUR per month free then 0.5% (Plus) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
The test results
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Epic Games Store | 45 | 40 | 89% | cleared first time; a second charge a week later also went through |
| Steam | 36 | 32 | 89% | cleared on the first attempt, no challenge issued |
| Google Play | 28 | 23 | 82% | first charge and renewal four weeks later both cleared |
| Nintendo eShop | 18 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Nike US | 14 | 5 | 36% | 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 Brighty. Decline reasons shown are typical for this programme, not gateway responses we logged on 546150.
Failures we could not fix
If you buy from Nintendo eShop, use something else. It declined consistently. Nike US was fine on retry.
What to change before you retry
- Nintendo eShop: 0 of 18 cleared. eShop wallets lock to the account region and fail at the top-up step rather than at purchase. Change the account region first, then attach the card.
- Nike US: 5 of 14 cleared. Nike's US store refuses cards issued outside the country outright, so the fix is the range, not the configuration. A domestic-issued range clears; a foreign one never will.
Do these first
- 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.
- Your tier allows 1 cards. Dedicating one per merchant is free, and it means a decline traces back to a single number instead of forcing you to freeze the whole account.
- Set the billing address to exactly what Brighty generates for EEA (Europe). Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Final word
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. If your only requirement is that the payment goes through, this range meets it.
What people ask us
What does the 546150 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 546150 a real card number?
Six digits of a sixteen-digit number. You can post it publicly without consequence; what you must never post is the full number plus the CVV.
Why would 546150 be declined if the range is fine?
Of the 141 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 546150.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Brighty issues in EEA (Europe) carries the same six digits. Two people on 546150 can get opposite results at the same checkout, which is why a single review is never conclusive.
Method
No physical card sits behind 546150 in our lab; the six digits come from the prefix the network assigned to Brighty. 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 · 141 charges on record for this range.