554313 BIN Check - United Kingdom Mastercard Debit Card
We would rank Spotify Premium, Netflix, Disney+ as the safest bets on this range, based on 206 passes out of 288 attempts.
554313 is the Mastercard range Lopeer hands out for United Kingdom accounts. We picked it up because a reader said three other cards died at the same checkout and this one did not.
What the six digits say
- BIN
- 554313
- Card network
- Mastercard
- Issuing country
- United Kingdom
- Card type
- Debit
- Issued by
- Lopeer
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Crypto
- Max cards per account
- Not published
- Issuer risk rating
- 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 no FX markup sitting behind it. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | — |
|---|---|
| Monthly fee | — |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
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 |
|---|---|---|---|---|
| Spotify Premium | 92 | 83 | 90% | went through on a fresh card with the issuer's default address |
| Netflix | 74 | 66 | 89% | cleared on the first attempt, no challenge issued |
| Disney+ | 57 | 47 | 82% | no friction, and no AVS prompt |
| Nintendo eShop | 37 | 0 | 0% | Soft decline on the retry after an earlier failure on the same account. |
| iHerb | 28 | 10 | 36% | Geo mismatch. The connection country did not match the card's country of issue. |
Run from a United Kingdom-region account between 05 Jun to 21 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
Nintendo eShop 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
- Nintendo eShop: 0 of 37 cleared. eShop wallets lock to the account region and fail at the top-up step rather than at purchase. Change the account region first, then attach the card.
- iHerb: 10 of 28 cleared. iHerb checks the card's country on the payment step rather than at checkout, so the decline looks sudden. Fix the address first, then the range.
Getting it to work first time
- Paste the United Kingdom billing address Lopeer generates rather than typing your own. One transposed digit is enough to fail the check.
- 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.
- 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.
Verdict, briefly
Two things decide it. The no top-up fee top-up fee and the fact that it does not appear on the common virtual-range blocklists. Both work in its favour. We would put it in the second tier. Reliable, unremarkable, and cheap enough to keep around.
Questions we get about 554313
What does the 554313 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 554313 a real card number?
No, and this trips people up. 554313 is a range identifier shared across every card Lopeer issues in United Kingdom. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 554313 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 Lopeer issues in United Kingdom carries the same six digits. Two people on 554313 can get opposite results at the same checkout, which is why a single review is never conclusive.
How this test was run
We bought a Lopeer card, funded it, and pushed 288 charges through live merchant checkout pages between 05 Jun to 21 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 206 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 25 August 2026 · 288 charges on record for this range.