BIN 558350: United Kingdom Mastercard Virtual Card (Debit)
Straight runs on Spotify Premium, Google Ads, OpenAI. No 3-D Secure loops, no AVS rejections, no manual review flags.
558350 is the Mastercard range Starling Bank 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.
Reading the 558350 prefix
- BIN
- 558350
- Card network
- Mastercard
- Issuing country
- United Kingdom
- Card type
- Debit
- Issued by
- Starling Bank
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes (UK AVS)
- Billing address
- UK General
- Funding methods
- Bank transfer
- Max cards per account
- Multiple virtual cards
- Issuer risk rating
- Low-Medium
What you pay, line by line
On a monthly subscription the maths is easy: no issuance fee once, then no top-up fee. It only starts to bite when you fund the card repeatedly. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | Free |
|---|---|
| Monthly fee | Free |
| Top-up fee | — |
| FX / conversion fee | 0% (no foreign transaction fee) |
| Declined transaction fee | — |
| Minimum top-up | — |
Merchant by merchant
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 | 63 | 59 | 94% | went through on a fresh card with the issuer's default address |
| Google Ads | 51 | 44 | 86% | went through on a fresh card with the issuer's default address |
| OpenAI | 39 | 33 | 85% | cleared, 3-D Secure completed in-app in under 20 seconds |
| GOAT | 25 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Hetzner | 20 | 7 | 35% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Run from a United Kingdom-region account between 22 Jul to 09 Sep 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
Two merchants gave us trouble, GOAT and Hetzner. In both cases the decline came back as an issuer block rather than an address problem, which is not something you can fix from your side.
What to change before you retry
- GOAT: 0 of 25 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.
- Hetzner: 7 of 20 cleared. Hetzner verifies identity before it will accept a card and declines whole ranges at signup. Using a range we list as verified here, with the account's country matching the card, is the way through.
Before you try it
- 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.
- 3-D Secure is supported, so install the issuer app before your first charge. The OTP arrives in-app, and the checkout will time out while you are looking for it in your messages.
- Use the United Kingdom address Starling Bank gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
Where we land
Better than the anonymous ranges people find on forums, worse than the top-tier fintech products. Priced accordingly. Treat the numbers here as a snapshot of 7 weeks, not a permanent rating.
What people ask us
What does the 558350 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 558350 a real card number?
It is the first six of sixteen digits. The remaining ten identify the account, and only Starling Bank can map those. A BIN alone will never get anyone into your money.
Why would 558350 be declined if the range is fine?
Of the 198 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 558350.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Starling Bank issues in United Kingdom carries the same six digits. Two people on 558350 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 Starling Bank card, funded it, and pushed 198 charges through live merchant checkout pages between 22 Jul to 09 Sep 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 143 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 12 September 2026 · 198 charges on record for this range.