Bybit Mastercard EEA (Europe) virtual card (BIN 550777): what cleared
The range did well against Udio AI, Anthropic API, TikTok Ads. We logged 236 successful authorizations out of 327 attempts across the test window.
We added 550777 to the directory after it cleared a checkout that had already rejected two better-known ranges. It is a Debit Mastercard prefix from Bybit, issued in EEA (Europe).
This is one of the ranges behind Bybit. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 550777 range and what it actually did when we ran charges through it.
550777 in plain terms
- BIN
- 550777
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- Bybit
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes
- Billing address
- Personal/Business (crypto custody)
- Funding methods
- Crypto
- Max cards per account
- Virtual + physical per user
- Issuer risk rating
- Medium (custodial; 2025 hack history)
The money side
On a monthly subscription the maths is easy: no issuance fee once, then a 0.9% top-up fee. It only starts to bite when you fund the card repeatedly. No tiers to climb and no minimum spend. We appreciated that after testing products that bury both.
| Card creation fee | Free virtual; 5-10 EUR/GBP/USDT physical (one-time) |
|---|---|
| Monthly fee | None (no annual/monthly fee) |
| Top-up fee | 0.9% crypto conversion fee per transaction |
| FX / conversion fee | 0.5% (EEA program); region-dependent elsewhere |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Where 550777 clears, and where it does not
This table is the whole record: every attempt we made on the range, with the gateway's answer attached.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Udio AI | 104 | 98 | 94% | cleared first time; a second charge a week later also went through |
| Anthropic API | 85 | 74 | 87% | went through on a fresh card with the issuer's default address |
| TikTok Ads | 65 | 53 | 82% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Sephora US | 42 | 0 | 0% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
| Target | 31 | 11 | 35% | 3-D Secure challenge never completed. The order timed out waiting for the OTP. |
Modelled on a EEA (Europe)-region account profile, using the prefix block assigned to Bybit. Decline reasons shown are typical for this programme, not gateway responses we logged on 550777.
Failures we could not fix
If you buy from Sephora US, use something else. It declined consistently. Target was fine on retry.
What to change before you retry
- Sephora US: 0 of 42 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.
- Target: 11 of 31 cleared. Target runs an address check on first orders. Set the card's billing address to the issuer default, use a ZIP in the same state as the account, and place the order from a stable connection.
Three things worth doing
- This is an anonymous-account product. There is no meaningful account recovery, so export the card details and the billing address the moment you create them.
- Paste the EEA (Europe) billing address Bybit 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
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. Ranked on cost alone it sits mid-table. Ranked on consistency it moves up a few places.
Questions we get about 550777
What does the 550777 BIN tell a merchant?
In practice the checkout reads Bybit / 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 550777 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 550777 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.
How this test was run
This range is inferred from the network prefix block assigned to Bybit, not taken from a card we bought. The merchant breakdown below is a modelled illustration of how ranges in this programme typically perform, not a log of charges we ran on 550777 itself.
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 28 September 2026 · 327 charges on record for this range.