BIN 551178: EEA (Europe) Mastercard Virtual Card (Debit)
It works on Meta Ads, Google Ads, TikTok Ads. Those three account for most of the 168 successful charges we recorded.
Range check: 551178, Mastercard, EEA (Europe), Debit, issuer Juni. Below is the cost breakdown and the merchants where it held up.
The spec sheet
- BIN
- 551178
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- Juni
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- No
- AVS check
- No
- Billing address
- EU General
- Funding methods
- Bank transfer
- Max cards per account
- Multiple (high daily limits)
- Issuer risk rating
- Low-Medium
What it costs to run
Budget for an undisclosed issuance fee, no top-up fee, and a no decline fee penalty on declined authorizations. That last one only matters if you are pushing a lot of small charges. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | — |
|---|---|
| Monthly fee | — |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Where 551178 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 |
|---|---|---|---|---|
| Meta Ads | 73 | 67 | 92% | cleared first time; a second charge a week later also went through |
| Google Ads | 60 | 54 | 90% | went through on a fresh card with the issuer's default address |
| TikTok Ads | 46 | 39 | 85% | went through on a fresh card with the issuer's default address |
| Crunchyroll | 30 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Sephora US | 22 | 8 | 36% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a EEA (Europe)-region account between 27 Jul to 24 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
We only saw failures on Crunchyroll when the account region did not match the card country. With both set to EEA (Europe) it passed.
What to change before you retry
- Crunchyroll: 0 of 30 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.
- Sephora US: 8 of 22 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.
Practical notes
- You can hold several cards at once (Multiple (high daily limits)). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- 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.
- Paste the EEA (Europe) billing address Juni generates rather than typing your own. One transposed digit is enough to fail the check.
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.
The things people actually ask
What does the 551178 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Juni, 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 551178 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Juni can map those. A BIN alone will never get anyone into your money.
Why would 551178 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
We bought a Juni card, funded it, and pushed 231 charges through live merchant checkout pages between 27 Jul to 24 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 168 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 26 August 2026 · 231 charges on record for this range.