FakecreditcardReal BINs from banks in Kenya
The generator above is preset with BIN 407741, a Visa debit range of KCB Bank Kenya, Ltd. To test another issuer from Kenya, use one of the BINs below: the first six digits stay, the others are random and the last one makes the Luhn check pass.
| BIN | Issuer | Network | Type · level | Use this BIN |
|---|---|---|---|---|
| 407741 | KCB Bank Kenya, Ltd | Visa | Debit · Classic | Use |
| 423101 | Equity Bank, Ltd | Visa | Debit · Classic | Use |
| 412550 | I & M Bank, Ltd | Visa | Credit · Rewards | Use |
| 411411 | The Co-Operative Bank of Kenya, Ltd | Visa | Debit · Classic | Use |
| 453180 | ABSA Bank Kenya PLC | Visa | Debit · Platinum | Use |
| 415450 | Standard Chartered Bank Kenya, Ltd | Visa | Debit · Classic | Use |
| 521122 | Diamond Trust Bank Kenya, Ltd | Mastercard | Debit · Prepaid Business | Use |
| 417491 | National Bank of Kenya, Ltd | Visa | Debit · Classic | Use |
The largest issuers in Kenya, one typical Visa or Mastercard BIN each. All 390 BINs with a named issuer are in the Kenya BIN list.
Largest card issuers in Kenya
The 10 banks with the most BINs in the data, out of 69 named issuers. Together, KCB Bank Kenya, Equity Bank and I & M Bank issue 21% of the ranges that name a bank. Follow a bank name for its complete list of ranges.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| KCB Bank Kenya, Ltd. | 31 | Mastercard | 74% |
| Equity Bank, Ltd. | 28 | Mastercard | 61% |
| I & M Bank, Ltd. | 21 | Visa | 57% |
| The Co-Operative Bank of Kenya, Ltd. | 20 | Visa | 65% |
| ABSA Bank Kenya PLC | 17 | Visa | 71% |
| Standard Chartered Bank Kenya, Ltd. | 17 | Visa | 71% |
| Diamond Trust Bank Kenya, Ltd. | 16 | Mastercard | 75% |
| National Bank of Kenya, Ltd. | 16 | Visa | 62% |
| NCBA Bank Kenya PLC | 12 | Visa | 50% |
| Chase Bank (Kenya), Ltd. | 10 | Mastercard | 50% |
Card networks and card types in Kenya
Our BIN data lists 444 BINs registered to Kenya, 390 of them with a named issuer across 69 banks. The largest network is Visa with 56% of the ranges, followed by Mastercard (30%). Debit ranges outnumber credit ranges 278 to 166. Visa ranges outnumber Mastercard 1.9 to 1. 68 ranges are prepaid or gift products and 42 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Visa | 249 | 56% | 162 | 87 |
| Mastercard | 133 | 30% | 76 | 57 |
| Local brand | 17 | 4% | 17 | 0 |
| Diners Club | 13 | 3% | 0 | 13 |
| UnionPay | 11 | 2% | 10 | 1 |
| Maestro | 10 | 2% | 10 | 0 |
| American Express | 8 | 2% | 0 | 8 |
| Verve | 3 | 1% | 3 | 0 |
Most common product levels: Classic (91), Standard (48), Platinum (48), Gold (41), Prepaid Classic (24).
Payment testing notes for Kenya
- Currency: KES (Kenyan shilling). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card country: Checkouts that route domestic and international cards differently decide by the BIN country. A BIN from Kenya tests the domestic route; any foreign BIN tests the cross-border one.
- Debit vs credit: 63% of the BINs from Kenya are debit ranges — a higher share than in 48 of the 62 other countries we cover. Debit and credit often follow different rules for refunds, installments and recurring billing, so cover both types.
- Billing details: postcodes in Kenya are 5 digits (e.g. 00100); phone numbers use +254 — 9-digit national number after the trunk 0; mobiles start with 7 or 1 (07XX XXX XXX nationally).
- M-Pesa mobile money is used far more than cards for everyday payments.
Paying online in Kenya: local methods and gateways
Cards are only part of the picture. These payment methods are popular in Kenya and usually sit next to the card form at checkout:
- M-Pesa (wallet) — Safaricom's mobile money; online checkouts usually send an STK push prompt (M-Pesa Express) to the customer's phone. Source
- Airtel Money (wallet) — Airtel's mobile money wallet, accepted by PSPs such as dLocal and Paystack. Source
Payment gateways developers commonly integrate for Kenya, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Safaricom Daraja (M-Pesa API) | Safaricom's developer portal with a sandbox, published test credentials and M-Pesa Express (STK push). | Official docs |
| Pesapal | Kenyan gateway; API 3.0 has a sandbox at cybqa.pesapal.com with downloadable test credentials and test cards. | Official docs |
| Paystack | Available in Kenya with cards plus M-Pesa and Airtel Money mobile money. | Official docs |
Card generators for other countries
← Generators for other countries · Kenya 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.
Frequently asked questions
Can I generate a Kenya credit card number for testing?
Yes. Every number on this page starts with a real BIN registered to a bank in Kenya — by default 407741 (KCB Bank Kenya, Ltd, Visa debit). The remaining digits are random and the last one is a Luhn check digit. None of them is a real card; live payments fail.
Which card networks are most common in Kenya?
By BIN count in our data: Visa 56%, Mastercard 30%, Local brand 4%, Diners Club 3%. Debit ranges make up 63% and credit ranges 37%.
Which BINs do Visa cards from Kenya start with?
Examples from different banks: 407741 (KCB Bank Kenya, Ltd); 423101 (Equity Bank, Ltd); 412550 (I & M Bank, Ltd); 411411 (The Co-Operative Bank of Kenya, Ltd). See the Kenya BIN list for every bank.
Which currency should I use to test payments from Kenya?
KES (Kenyan shilling). Gateway APIs usually expect amounts in the smallest unit (for example 1050 for 10.50). A card from any country can pay in any currency the merchant supports; the issuer handles conversion.
Are these Kenya card numbers real? Can I pay with them?
No — format only. Banks in Kenya decline numbers they never issued, which is every generated number. If you need to pay, a bank virtual card or a wallet such as M-Pesa and Airtel Money is the safe route. Testing a checkout? Use your gateway’s sandbox test cards.
How do people pay online in Kenya besides cards?
M-Pesa: Safaricom's mobile money; online checkouts usually send an STK push prompt (M-Pesa Express) to the customer's phone. Airtel Money: Airtel's mobile money wallet, accepted by PSPs such as dLocal and Paystack.