FakecreditcardReal BINs from banks in Kenya
The generator above is preset with BIN 407741, a Visa debit range of KCB Bank Kenya, Ltd. Pick another bank's BIN below to switch — each number keeps the BIN, gets random digits and a Luhn check digit, and comes with a random expiry date and CVV.
| 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 |
One BIN per bank — the most common Visa or Mastercard product of each of the largest issuers. All 393 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 70 named issuers. Each bank with ten or more BINs has a page listing all of them.
| 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, 393 of them with a named issuer across 70 banks. The largest network is Visa with 56% of the ranges, followed by Mastercard (30%). Debit ranges outnumber credit ranges 278 to 166. 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: fraud rules often compare the BIN country (KE) with the shopper's IP address and billing address. Generate numbers with a BIN from Kenya to test the domestic path, and with a foreign BIN to test cross-border rules.
- Debit vs credit: 62% of the BINs from Kenya are debit ranges. If your checkout treats debit differently (fees, installments, recurring billing), test with a BIN of each type from the table above.
- M-Pesa mobile money is used far more than cards for everyday payments.
Generated numbers only pass format checks: network prefix, length and the Luhn checksum. They are not issued by any bank in Kenya, carry no money and are declined by every real payment system — use them for forms, validation and BIN rules, and switch to your gateway's documented test cards for approvals and declines.
← 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. The generator on this page starts every number 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. No bank issued the number, so it carries no account and real payments with it are declined.
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.
Will these numbers pass a payment gateway?
They pass format checks — length, network prefix and the Luhn checksum — so they are ideal for testing form validation and BIN-based rules. Gateways in test mode want their own documented test cards for approvals and declines; in live mode every generated number is declined because no bank has issued it.