557096 BIN Check - Netherlands Mastercard Prepaid Card
114 of 159 attempts cleared, and most of those came from three merchants: Google Ads, Meta Ads, TikTok Ads.
Not every range needs a long write-up. This one is Vmcard, Netherlands, Mastercard, Prepaid, and it does the job without much fuss.
What 557096 actually is
- BIN
- 557096
- Card network
- Mastercard
- Issuing country
- Netherlands
- Card type
- Prepaid
- Issued by
- Vmcard
- Card form
- Virtual only
- KYC tier
- Business KYC
- 3-D Secure
- No
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- Multiple (multi-card management + API)
- Issuer risk rating
- High
The money side
This is a Prepaid product, so there is no interest and no annual fee to model. Just an undisclosed issuance fee, no top-up fee and no FX markup. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | — |
|---|---|
| Monthly fee | — |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
What passed and what did not
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Google Ads | 50 | 46 | 92% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Meta Ads | 41 | 36 | 88% | first charge and renewal four weeks later both cleared |
| TikTok Ads | 31 | 26 | 84% | no friction, and no AVS prompt |
| Tidal | 20 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| GOAT | 17 | 6 | 35% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Netherlands-region account between 16 Jun to 18 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
One honest caveat: Tidal returned a generic decline on all attempts, and we could not determine the cause. Treat it as untested rather than blocked.
What to change before you retry
- Tidal: 0 of 20 cleared. Tidal re-verifies on every plan change, so a card that survives signup can still fail at an upgrade. Keep the address static between changes.
- GOAT: 6 of 17 cleared. Same mechanic as StockX: funds are captured on seller acceptance. Keep the balance pre-loaded and avoid topping up during the two-minute accept window.
Practical notes
- Set the billing address to exactly what Vmcard generates for Netherlands. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
- 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.
Our call
Accurate summary: cheap to start, mid-priced to run, dependable enough that we stopped testing workarounds. If your only requirement is that the payment goes through, this range meets it.
The things people actually ask
What does the 557096 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 557096 a real card number?
No, and this trips people up. 557096 is a range identifier shared across every card Vmcard issues in Netherlands. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 557096 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?
Yes, and it is worth internalising. When someone reports that a range is dead, what they usually mean is that their account got flagged, not the range.
How this test was run
We bought a Vmcard card, funded it, and pushed 159 charges through live merchant checkout pages between 16 Jun to 18 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 114 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 · 159 charges on record for this range.