548902 BIN Check - EEA (Europe) Mastercard Debit Card
We would rank Udio AI, GitHub Copilot, Steam as the safest bets on this range, based on 173 passes out of 242 attempts.
iCard runs this range for EEA (Europe). Six digits, Debit classification, Mastercard rails. Nothing clever about it, which is exactly why it keeps clearing.
548902, decoded
- BIN
- 548902
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- iCard
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EEA
- Funding methods
- Bank transfer
- Max cards per account
- 20
- Issuer risk rating
- Low-Medium
What you pay, line by line
This is a Debit product, so there is no interest and no annual fee to model. Just no issuance fee, a 1.5% top-up fee and no FX markup. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | First 2 free; extra virtual cards 1.90 EUR each |
|---|---|
| Monthly fee | Standard 0; Infinite 9.99 EUR/mo; Metal 10.99 EUR/mo |
| Top-up fee | Non-European credit card top-up 1.5% (min $1.2) |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
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 |
|---|---|---|---|---|
| Udio AI | 77 | 69 | 90% | cleared first time; a second charge a week later also went through |
| GitHub Copilot | 62 | 55 | 89% | no friction, and no AVS prompt |
| Steam | 48 | 40 | 83% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Sephora US | 31 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| GOAT | 24 | 9 | 38% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Run from a EEA (Europe)-region account between 19 Jun to 28 Aug 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
Sephora US is the one to avoid. Its fraud rules appear to treat Debit ranges as high risk by default.
What to change before you retry
- Sephora US: 0 of 31 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
- GOAT: 9 of 24 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.
Getting it to work first time
- 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.
- Paste the EEA (Europe) billing address iCard generates rather than typing your own. One transposed digit is enough to fail the 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.
What the numbers add up to
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. No range stays clean forever, so check back before you rely on it for a large charge.
FAQ
What does the 548902 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer iCard, 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 548902 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only iCard can map those. A BIN alone will never get anyone into your money.
Why would 548902 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.
Method
We bought a iCard card, funded it, and pushed 242 charges through live merchant checkout pages between 19 Jun to 28 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 173 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 05 September 2026 · 242 charges on record for this range.