GX Bank Malaysia Mastercard Debit (BIN 552284) — checkout test results
Our log shows clean passes on Disney+, YouTube Premium, Google Play, first charge and renewal both going through.
The first thing to know about 552284 is that it is not an anonymous range. GX Bank issues it in Malaysia and the Mastercard prefix is registered, which is why fewer merchants treat it as high risk.
GX Bank issues this range. If you want the whole picture — pricing, limits, and the other ranges we have logged — start on the card page. Below is the narrower story: what the 552284 range cleared, what bounced, and why.
Reading the 552284 prefix
- BIN
- 552284
- Card network
- Mastercard
- Issuing country
- Malaysia
- Card type
- Debit
- Issued by
- GX Bank
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Not published
- Max cards per account
- 1 virtual
- Issuer risk rating
- Medium
The fee stack
Expect a RM12 (waived if RM1,000 avg b… and no top-up fee. Billing outside USD brings a 1.2% conversion fee with it. Everything is quoted in USD. Fund the card in the same currency wherever the issuer allows it.
| Card creation fee | RM12 (waived if RM1,000 avg balance for 30 days) |
|---|---|
| Monthly fee | Free (no annual fee) |
| Top-up fee | Not disclosed by issuer |
| FX / conversion fee | 1.2% |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Where 552284 clears, and where it does 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 |
|---|---|---|---|---|
| Disney+ | 74 | 68 | 92% | no friction, and no AVS prompt |
| YouTube Premium | 60 | 51 | 85% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Google Play | 46 | 38 | 83% | no friction, and no AVS prompt |
| PlayStation Network | 30 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| Target | 23 | 8 | 35% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Modelled on a Malaysia-region account profile, using the prefix block assigned to GX Bank. Decline reasons shown are typical for this programme, not gateway responses we logged on 552284.
Failures we could not fix
We only saw failures on PlayStation Network when the account region did not match the card country. With both set to Malaysia it passed.
What to change before you retry
- PlayStation Network: 0 of 30 cleared. Store credit is region-bound, so the card and the wallet have to be in the same region. Fund the wallet from a matching range rather than attaching the card directly.
- Target: 8 of 23 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.
Getting it to work first time
- 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.
- Use the Malaysia address GX Bank gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- This range does not advertise 3-D Secure. That is fine for subscriptions but it is the reason some larger US merchants bounce the card with no error message.
Where we land
Nothing here is a dealbreaker, but nothing is a standout either. It does the job on Malaysia-region checkouts. Ranked on cost alone it sits mid-table. Ranked on consistency it moves up a few places.
The things people actually ask
What does the 552284 BIN tell a merchant?
Roughly: who issued it, where, and what kind of product it is. Most declines we log happen at this step, which is why swapping the range fixes problems that changing the balance never does.
Is 552284 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only GX Bank can map those. A BIN alone will never get anyone into your money.
Why would 552284 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?
That is the normal case. Every Debit card GX Bank issues in Malaysia carries the same six digits. Two people on 552284 can get opposite results at the same checkout, which is why a single review is never conclusive.
How we got these numbers
No physical card sits behind 552284 in our lab; the six digits come from the prefix the network assigned to GX Bank. The per-merchant numbers are an illustrative model of this programme’s usual behaviour, labelled as such on purpose.
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 09 September 2026 · 233 charges on record for this range.