550575 Virtual Card Review - Singapore Mastercard Debit
Reliable on YouTube Premium, Netflix, Meta Ads. Everywhere else it was closer to a coin flip, which we will get to.
This range belongs to CashBuddy. Issued out of Singapore on Mastercard, classed as Debit by most acquirers.
What the six digits say
- BIN
- 550575
- Card network
- Mastercard
- Issuing country
- Singapore
- Card type
- Debit
- Issued by
- CashBuddy
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Not published
- Issuer risk rating
- Medium
What you pay, line by line
This is a Debit product, so there is no interest and no annual fee to model. Just $3, no top-up fee and no FX markup. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | $3 |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | 3 |
What passed and what did 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 |
|---|---|---|---|---|
| YouTube Premium | 52 | 49 | 94% | cleared first time; a second charge a week later also went through |
| Netflix | 42 | 37 | 88% | went through on a fresh card with the issuer's default address |
| Meta Ads | 33 | 28 | 85% | no friction, and no AVS prompt |
| Best Buy | 21 | 0 | 0% | Gateway risk rule fired and returned a generic decline with no challenge. |
| GOAT | 17 | 6 | 35% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Run from a Singapore-region account between 28 Jun to 06 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
One consistent miss: Best Buy. That acquirer appears to blocklist the range. GOAT also declined, though only once.
What to change before you retry
- Best Buy: 0 of 21 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
- 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 CashBuddy
- 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.
- 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.
- Set the billing address to exactly what CashBuddy generates for Singapore. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
Where we land
This is the range I would give someone who has never used a virtual card. Low balance requirement and the failure modes are easy to diagnose. The pattern across all 165 attempts was consistent, which is the most useful thing you can say about a card range.
BIN questions, answered
What does the 550575 BIN tell a merchant?
In practice the checkout reads CashBuddy / Singapore / 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 550575 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only CashBuddy can map those. A BIN alone will never get anyone into your money.
Why would 550575 be declined if the range is fine?
Of the 165 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 550575.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card CashBuddy issues in Singapore carries the same six digits. Two people on 550575 can get opposite results at the same checkout, which is why a single review is never conclusive.
Test setup
We bought a CashBuddy card, funded it, and pushed 165 charges through live merchant checkout pages between 28 Jun to 06 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 120 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 10 September 2026 · 165 charges on record for this range.