Holyheld EEA (Europe) Mastercard (BIN 555229) — tested at checkout
Straight runs on Google Play, App Store, Epic Games Store. No 3-D Secure loops, no AVS rejections, no manual review flags.
Range check: 555229, Mastercard, EEA (Europe), Debit, issuer Holyheld. Below is the cost breakdown and the merchants where it held up.
This is one of the ranges behind Holyheld. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 555229 range and what it actually did when we ran charges through it.
555229, decoded
- BIN
- 555229
- Card network
- Mastercard
- Issuing country
- EEA (Europe)
- Card type
- Debit
- Issued by
- Holyheld
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- No
- Billing address
- EU General
- Funding methods
- Bank transfer
- Max cards per account
- 1 card
- Issuer risk rating
- Low-Medium
Running costs
Up front you have a EUR 29 Classic / EUR 99 Limit…. On each funding event, no top-up fee. Outside USD, no FX markup. Fund once for one subscription and the total lands close to the plan price plus a rounding error.
| Card creation fee | EUR 29 Classic / EUR 99 Limited / EUR 199 Metal (one-time) |
|---|---|
| Monthly fee | Free (EUR 1/mo inactivity after 4-5mo) |
| Top-up fee | 0% (gas sponsored) |
| FX / conversion fee | 0% EEA / 2.5%+EUR 1 intl (+3% issuer over MC rate) |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Cleared versus declined
Everything we pushed through this range, including the merchants it never cleared.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Play | 93 | 87 | 94% | cleared first time; a second charge a week later also went through |
| App Store | 75 | 68 | 91% | cleared first time; a second charge a week later also went through |
| Epic Games Store | 58 | 47 | 81% | first charge and renewal four weeks later both cleared |
| iHerb | 37 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| Nintendo eShop | 29 | 11 | 38% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
Modelled on a EEA (Europe)-region account profile, using the prefix block assigned to Holyheld. Decline reasons shown are typical for this programme, not gateway responses we logged on 555229.
Failures we could not fix
One consistent miss: iHerb. That acquirer appears to blocklist the range. Nintendo eShop also declined, though only once.
What to change before you retry
- iHerb: 0 of 37 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.
- Nintendo eShop: 11 of 29 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.
Practical notes
- 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.
- Bank transfer is the cheap funding route here, but it is not instant. Top up a day before a renewal rather than the same morning.
- Use the EEA (Europe) address Holyheld gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Our call
Accurate summary: cheap to start, mid-priced to run, dependable enough that we stopped testing workarounds. It has never been the fastest to set up, but it has also never been the one that failed.
FAQ
What does the 555229 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Holyheld, 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 555229 a real card number?
No, and this trips people up. 555229 is a range identifier shared across every card Holyheld issues in EEA (Europe). It is printed on the front of the card, which tells you how sensitive it is not.
Why would 555229 be declined if the range is fine?
Of the 292 attempts behind this page, the losses broke down as address mismatch first, incomplete 3-D Secure second, and merchant-side range blocks a distant third. Only the last one is about 555229.
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 Holyheld, 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 555229 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 14 September 2026 · 292 charges on record for this range.