Ghana Credit Card Generator

Real BINs from banks in Ghana

The generator above is preset with BIN 413102, a Visa debit range of Zenith Bank (Ghana), Ltd. Click "Use" next to any other bank to switch; the BIN stays fixed while the rest of the Visa number is random, closed by a Luhn digit.

Each row is a different bank: its most common Visa or Mastercard range. All 284 BINs with a named issuer are in the Ghana BIN list.

Local card networks in Ghana

Besides the international networks, Ghana has its own card scheme. Its numbers often use prefixes that a Visa/Mastercard-only form rejects or labels wrongly, so test them on purpose.

Card networks and card types in Ghana

Ghana has 319 BINs in the dataset; 284 name the issuing bank, spread over 43 issuers. The largest network is Visa with 63% of the ranges, followed by Mastercard (27%). Debit ranges outnumber credit ranges 267 to 52. Visa ranges outnumber Mastercard 2.3 to 1. 81 ranges are prepaid or gift products and 39 are business, corporate or commercial cards.

Most common product levels: Classic (64), Platinum (32), Standard (28), Prepaid (28), Gold (25).

Largest card issuers in Ghana

The 10 banks with the most BINs in the data, out of 43 named issuers. Zenith Bank (Ghana), GCB Bank and Ecobank Ghana alone account for 23% of the named BINs in Ghana. Each bank with ten or more BINs has a page listing all of them.

Payment testing notes for Ghana

• Currency: GHS (Ghanaian cedi). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
• Card authentication: gh-link domestic card payments online are protected by 3-D Secure cardholder authentication. Source
• Card country: Fraud rules often compare the BIN country (GH) with the shopper's IP address and billing address. Use a BIN from Ghana for the domestic path and a foreign BIN for cross-border rules.
• Debit vs credit: At 84% debit ranges, Ghana is more debit-heavy than 60 of the 62 other countries on this site. Use one debit and one credit BIN from Ghana if your fees or subscription logic depend on the card type.
• Billing details: postcodes in Ghana are GhanaPost GPS digital address: 2-letter region/district code, 3-digit area code, 3- or 4-digit unique location (the first two parts act as the postcode) (e.g. GA-543-0125); phone numbers use +233 — 9-digit national number after the trunk 0; mobiles start with 2 or 5 (024 XXX XXXX nationally).
• Mobile money wallets are widely used in Ghana next to cards, so local checkouts often offer both.

Paying online in Ghana: local methods and gateways

Cards are only part of the picture. These payment methods are popular in Ghana and usually sit next to the card form at checkout:

• MTN MoMo (wallet) — MTN Mobile Money, accepted online by Ghanaian PSPs such as Paystack. Source
• Telecel Cash (formerly Vodafone Cash) (wallet) — Mobile money wallet of Telecel Ghana, supported by Paystack. Source
• AirtelTigo Money (wallet) — Mobile money wallet supported by Paystack and dLocal in Ghana. Source

Payment gateways developers commonly integrate for Ghana, with their official sandbox docs:

Card generators for other countries

• 🇿🇦 South Africa
• 🇳🇬 Nigeria
• 🇰🇪 Kenya
• 🇨🇮 Côte d'Ivoire
• 🇺🇸 United States
• 🇨🇳 China
• 🇨🇦 Canada
• 🇯🇵 Japan

← Generators for other countries · Ghana BIN list · BIN generator · BIN checker

BIN data: bin-list-data by Venelin Kochev (a lite version of binlookup.io), licensed under CC BY 4.0. Changes made by Fakecreditcard: issuer, brand and country names re-cased and standardized, spelling variants of the same issuer merged, malformed phone numbers and web addresses removed.