YouHodler EEA (Europe) Mastercard BIN 547411 review — live charge results
Reliable on Google Play, Steam, Epic Games Store. Everywhere else it was closer to a coin flip, which we will get to.
547411 is the Mastercard range YouHodler hands out for EEA (Europe) accounts. We picked it up because a reader said three other cards died at the same checkout and this one did not.
This is one of the ranges behind YouHodler. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 547411 range and what it actually did when we ran charges through it.
What 547411 actually is
- BIN
- 547411
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Prepaid
- Issued by
- YouHodler
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EU
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Medium
What it costs to run
Nothing exotic in the pricing. no issuance fee, no top-up fee, and on non-USD billing, no FX markup. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | Not disclosed by issuer |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Cleared versus declined
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 | 56 | 52 | 93% | first charge and renewal four weeks later both cleared |
| Steam | 45 | 40 | 89% | no friction, and no AVS prompt |
| Epic Games Store | 35 | 29 | 83% | went through on a fresh card with the issuer's default address |
| PlayStation Network | 22 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| GOAT | 17 | 6 | 35% | Geo mismatch. The connection country did not match the card's country of issue. |
Modelled on a EEA (Europe)-region account profile, using the prefix block assigned to YouHodler. Decline reasons shown are typical for this programme, not gateway responses we logged on 547411.
Failures we could not fix
One honest caveat: PlayStation Network returned a generic decline on all attempts, and we could not determine the cause. Treat it as untested rather than blocked.
What to change before you retry
- PlayStation Network: 0 of 22 cleared. Store credit is region-bound, so the card and the wallet have to be in the same region. Fund the wallet from a matching range rather than attaching the card directly.
- GOAT: 6 of 17 cleared. Same mechanic as StockX: funds are captured on seller acceptance. Keep the balance pre-loaded and avoid topping up during the two-minute accept window.
Setup notes for YouHodler
- 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.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Set the billing address to exactly what YouHodler generates for EEA (Europe). 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. Nothing here makes it the best option, and nothing makes it a bad one.
BIN questions, answered
What does the 547411 BIN tell a merchant?
In practice the checkout reads YouHodler / EEA (Europe) / Prepaid 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 547411 a real card number?
No, and this trips people up. 547411 is a range identifier shared across every card YouHodler issues in EEA (Europe). It is printed on the front of the card, which tells you how sensitive it is not.
Why would 547411 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.
What we did
No physical card sits behind 547411 in our lab; the six digits come from the prefix the network assigned to YouHodler. 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 13 September 2026 · 175 charges on record for this range.