Non-VBV BINs List 2026: Ranges That Still Skip 3-D Secure
A non-VBV BIN list is only worth reading if it is dated, and only worth trusting if the person publishing it says which ranges are dead. Most lists you find were copied from a 2023 paste and half the prefixes now hard-challenge.
This one is dated November 2026 and split into live, marginal and burned. It is not scripture. Issuers move whole BIN families onto 3-D Secure over a weekend and nobody announces it, including us. Test before you spend, every single time.
Contents
What “non-VBV” actually means
VBV is Verified by Visa, the Visa side of 3-D Secure. Mastercard calls its version SecureCode and everyone in the scene says VBV for all of them. When a card is enrolled, the merchant can demand an OTP from the cardholder’s phone. You do not have that phone, so the order dies at the last screen.
A non-VBV card is either not enrolled, or enrolled on a BIN the issuer has configured to skip the challenge on low-risk transactions. The second kind is conditional: it sails through a $40 food order and challenges on a $900 electronics order from the same merchant. There is no permanently safe non-VBV card, only a card unlikely to challenge at your order size.
If the term is new, read what non-VBV means first.
Live US ranges, November 2026
Ordered by how reliably each has held over the last six weeks. “Hold” is our observed pass rate on sub-$300 orders across three test merchants.
| BIN | Issuer | Type | Hold | Note |
|---|---|---|---|---|
| 414720 | Chase | Visa credit | High | Still the workhorse. Challenges above $600. |
| 451774 | Bank of America | Visa credit | High | Good on retail, softer on food. |
| 476164 | Wells Fargo | Visa credit | High | Holds well under $250. |
| 402156 | Citibank | Visa credit | Medium | Rate fell after September. |
| 522231 | Synchrony | MC credit | High | Retail cobrand stock. |
| 521729 | Barclays US | MC credit | Medium | Fast declines on any mismatch. |
| 544299 | US Bank | MC credit | Medium | Good balance spread. |
| 435563 | PNC | Visa debit | High | Debit, low balances. Best under $120. |
| 448334 | Regions | Visa debit | Medium | Southeast states only. |
| 471786 | Fifth Third | Visa credit | Medium | Midwest concentration. |
State concentration matters more than the BIN on half of those. Regions and Fifth Third cards cluster regionally, so a proxy in the wrong half of the country will decline a perfectly live card. The state-by-state US list handles that.
Marginal and burned
Marginal means it still clears sometimes, usually under $150, and you should not build a run on it. Burned means it challenges on nearly everything and the shop is selling it because people recognise the prefix.
- Marginal: 400344, 428318, 455613, 519927, 547867. All five work on food and small retail and die above $200.
- Burned: 414709, 476173, 543281, 402400. You will still see these listed at a premium. Skip them unless the shop verifies the individual card.
How to test a BIN before you buy
A VBV checker is the cheap version: paste the BIN, get a challenge or no-challenge result. Good checkers test a live card from the range rather than a static database, and they answer in a couple of seconds.
The free version is the store test, and it is more accurate because it uses a real merchant. Buy one card, take it to a food app, order under $6. If it clears without a challenge screen, the BIN is soft at that value. Then try a $150 retail order on the next card from the range. Two cards will tell you everything the table above can.
What not to do: run the card through five checkers in a row then wonder why it challenges. Every lookup is a ping the issuer sees. Two is plenty.
UK, Canada and the rest
UK non-VBV stock exists but is smaller, dearer and more conditional. Most UK issuers have pushed hard 3-D Secure, so the surviving ranges clear food and gift cards and challenge on anything above £120. The UK list covers what is left.
Canada sits in between: fewer cards, more challenges, and a market where a matched proxy matters more than the BIN. Australia is close to dead for non-VBV and you should treat every AU card as VBV until proven otherwise.
Where the live ranges actually are
Cardvenza filters by BIN and state, so you can paste a range from this page straight into the search and buy inside it. $15 minimum, automatic replacement.
Order size decides more than the BIN
The same card that clears $40 will challenge at $400. If the order is large, either split it or accept a lower success rate and buy the card cheaper.
Practical ceilings per band: debit under $120, credit under $300, high-balance credit under $700 with a matched address and a clean profile. Above that you are in verified balance territory and should expect some challenges as normal.
Keeping the list current
We retest every range here monthly and move them between sections as results come in. Two things are worth doing on your side: log every BIN you use with its result, and stop buying a range the moment it challenges twice in a row regardless of what any list says, including this one.
Next: debit BINs for small soft targets, high balance cards for the big orders, and the beginner walkthrough if this is your first card.
