FakecreditcardReal BINs from banks in Nigeria
The generator above is preset with BIN 407713, a Visa debit range of Access Bank PLC. 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 |
|---|---|---|---|---|
| 407713 | Access Bank PLC | Visa | Debit · Classic | Use |
| 409645 | Zenith Bank PLC | Visa | Debit · Prepaid Classic | Use |
| 422522 | United Bank for Africa | Visa | Debit · Classic | Use |
| 419760 | Union Bank of Nigeria PLC | Visa | Debit · Prepaid | Use |
| 449976 | Ecobank Nigeria, Ltd. | Visa | Debit · Classic | Use |
| 403737 | Guaranty Trust Bank, Ltd. | Visa | Debit · Classic | Use |
| 419710 | First Bank of Nigeria PLC | Visa | Debit · Classic | Use |
| 434616 | Sterling Bank | Visa | Debit · Classic | Use |
| 506116 | Heritage Bank (Nigeria) | Verve | Debit · Standard | Use |
One BIN per bank — the most common Visa or Mastercard product of each of the largest issuers, plus local-network BINs. All 633 BINs with a named issuer are in the Nigeria BIN list.
Local card networks in Nigeria
Besides the international networks, Nigeria has its own card scheme. Local networks matter for testing because their numbers often use prefixes that a Visa/Mastercard-only form rejects or labels wrongly.
| Network | About | BINs | Share | Example BIN |
|---|---|---|---|---|
| Verve | a domestic network from Interswitch | 186 | 24% | 506116 Heritage Bank (Nigeria) |
Largest card issuers in Nigeria
The 10 banks with the most BINs in the data, out of 129 named issuers. Each bank with ten or more BINs has a page listing all of them.
| Issuer | BINs | Main network | Debit |
|---|---|---|---|
| Access Bank PLC | 69 | Visa | 70% |
| Zenith Bank PLC | 59 | Visa | 75% |
| United Bank for Africa PLC | 35 | Visa | 77% |
| Union Bank of Nigeria PLC | 28 | Visa | 71% |
| Ecobank Nigeria PLC | 26 | Mastercard | 77% |
| Guaranty Trust Bank PLC | 26 | Mastercard | 65% |
| First Bank of Nigeria PLC | 24 | Visa | 71% |
| Sterling Bank PLC | 22 | Visa | 73% |
| Polaris Bank, Ltd. | 21 | Visa | 67% |
| Providus Bank PLC | 21 | Mastercard | 95% |
Card networks and card types in Nigeria
Our BIN data lists 771 BINs registered to Nigeria, 633 of them with a named issuer across 129 banks. The largest network is Visa with 39% of the ranges, followed by Mastercard (30%). Debit ranges outnumber credit ranges 608 to 163. 93 ranges are prepaid or gift products and 46 are business, corporate or commercial cards.
| Network | BINs | Share | Debit | Credit |
|---|---|---|---|---|
| Visa | 301 | 39% | 199 | 102 |
| Mastercard | 229 | 30% | 180 | 49 |
| Verve | 186 | 24% | 186 | 0 |
| Maestro | 20 | 3% | 20 | 0 |
| UnionPay | 9 | 1% | 6 | 3 |
| Local brand | 9 | 1% | 9 | 0 |
| Diners Club | 5 | 1% | 0 | 5 |
| CMI | 5 | 1% | 5 | 0 |
Most common product levels: Standard (159), Classic (102), Platinum (67), Gold (57), Prepaid (49).
Payment testing notes for Nigeria
- Currency: NGN (Nigerian naira). Most gateway APIs expect amounts in the smallest unit, for example 1050 for 10.50.
- Card country: fraud rules often compare the BIN country (NG) with the shopper's IP address and billing address. Generate numbers with a BIN from Nigeria to test the domestic path, and with a foreign BIN to test cross-border rules.
- Debit vs credit: 78% of the BINs from Nigeria are debit ranges. If your checkout treats debit differently (fees, installments, recurring billing), test with a BIN of each type from the table above.
Generated numbers only pass format checks: network prefix, length and the Luhn checksum. They are not issued by any bank in Nigeria, 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 · Nigeria 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 Nigeria credit card number for testing?
Yes. The generator on this page starts every number with a real BIN registered to a bank in Nigeria — by default 407713 (Access Bank PLC, 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 Nigeria?
By BIN count in our data: Visa 39%, Mastercard 30%, Verve 24%, Maestro 3%. Local networks: Verve (186 BINs). Debit ranges make up 79% and credit ranges 21%.
Which BINs do Visa cards from Nigeria start with?
Examples from different banks: 407713 (Access Bank PLC); 409645 (Zenith Bank PLC); 422522 (United Bank for Africa); 419760 (Union Bank of Nigeria PLC). See the Nigeria BIN list for every bank.
Which currency should I use to test payments from Nigeria?
NGN (Nigerian naira). 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.