BIN 550670: EEA (Europe) Mastercard Virtual Card (Debit)
125 of 178 attempts cleared, and most of those came from three merchants: Steam, Google Play, Epic Games Store.
Range check: 550670, Mastercard, EEA (Europe), Debit, issuer Oppi Wallet. Below is the cost breakdown and the merchants where it held up.
550670 in plain terms
- BIN
- 550670
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- Oppi Wallet
- 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
- Multiple
- Issuer risk rating
- Low-Medium
What you pay, line by line
The signup cost is easy to compare and mostly irrelevant. What follows you around is no top-up fee, with a 2% conversion fee sitting behind it. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | 2% |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Steam | 56 | 50 | 89% | cleared first time; a second charge a week later also went through |
| Google Play | 46 | 40 | 87% | cleared first time; a second charge a week later also went through |
| Epic Games Store | 35 | 29 | 83% | first charge and renewal four weeks later both cleared |
| Hulu | 23 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Crunchyroll | 18 | 6 | 33% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a EEA (Europe)-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
Hulu rejected it outright. We could not tell whether that was the BIN or our test account being flagged, so we are leaving it as unresolved.
What to change before you retry
- Hulu: 0 of 23 cleared. Hulu is US-only and rejects foreign ranges at the authorisation step. No configuration fixes this; use a US-issued range.
- Crunchyroll: 6 of 18 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.
Before you try it
- Use the EEA (Europe) address Oppi Wallet 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.
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
Where we land
Verdict: worth keeping for EEA (Europe) checkouts. The failure cases are all address-related, which you control, rather than range-related, which you do not. That was true on our accounts. Yours may sit in a different risk bucket, which changes the result.
Questions we get about 550670
What does the 550670 BIN tell a merchant?
In practice the checkout reads Oppi Wallet / EEA (Europe) / 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 550670 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 550670 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?
Yes, and it is worth internalising. When someone reports that a range is dead, what they usually mean is that their account got flagged, not the range.
How we got these numbers
We bought a Oppi Wallet card, funded it, and pushed 178 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. 125 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 11 September 2026 · 178 charges on record for this range.