557904 BIN Check - Australia Mastercard Credit Card
Strongest results on Spotify Premium, YouTube Premium, Disney+. Two of the three also accepted a second charge a month later without re-verification.
FirstBank Virtual Card issues 557904 out of Australia. Classed Credit, runs on Mastercard.
Reading the 557904 prefix
- BIN
- 557904
- Card network
- Mastercard
- Issuing country
- Australia
- Card type
- Credit
- Issued by
- FirstBank Virtual Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Not published
- Funding methods
- Bank transfer
- Max cards per account
- 1
- Issuer risk rating
- Medium
The money side
Expect ₦200 and no top-up fee. Billing outside USD brings no FX markup with it. Cost is the reason this range sits where it does in our ranking rather than higher up.
| Card creation fee | ₦200 |
|---|---|
| Monthly fee | ₦50/quarter |
| Top-up fee | — |
| FX / conversion fee | — |
| Declined transaction fee | — |
| Minimum top-up | — |
The test results
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 |
|---|---|---|---|---|
| Spotify Premium | 83 | 77 | 93% | first charge and renewal four weeks later both cleared |
| YouTube Premium | 68 | 61 | 90% | no friction, and no AVS prompt |
| Disney+ | 52 | 44 | 85% | cleared, 3-D Secure completed in-app in under 20 seconds |
| Sephora US | 34 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| iHerb | 25 | 9 | 36% | Soft decline on the retry after an earlier failure on the same account. |
Run from a Australia-region account between 25 Jul to 15 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
The pattern in our failures is geographic. Sephora US accepted it once the account region matched Australia, and refused it every time it did not.
What to change before you retry
- Sephora US: 0 of 34 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.
- iHerb: 9 of 25 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.
Practical notes
- Your tier allows 1 cards. Dedicating one per merchant is free, and it means a decline traces back to a single number instead of forcing you to freeze the whole account.
- Set the billing address to exactly what FirstBank Virtual Card generates for Australia. Copy and paste rather than retyping it; a single wrong character fails the AVS 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.
Final word
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. Ranked on cost alone it sits mid-table. Ranked on consistency it moves up a few places.
BIN questions, answered
What does the 557904 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 557904 a real card number?
No, and this trips people up. 557904 is a range identifier shared across every card FirstBank Virtual Card issues in Australia. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 557904 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 Credit card FirstBank Virtual Card issues in Australia carries the same six digits. Two people on 557904 can get opposite results at the same checkout, which is why a single review is never conclusive.
How we got these numbers
We bought a FirstBank Virtual Card card, funded it, and pushed 262 charges through live merchant checkout pages between 25 Jul to 15 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 191 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 22 August 2026 · 262 charges on record for this range.