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 |
| 512849 | Providus Bank PLC | Mastercard | Debit · Prepaid Reloadable | Use |
| 506116 | Heritage Bank (Nigeria) | Verve | Debit · Standard | Use |
Each row is a different bank: its most common Visa or Mastercard range, plus local-network BINs. All 633 BINs with a named issuer are in the Nigeria BIN list.
Local card networks in Nigeria
Local schemes are where card forms usually break: their prefixes are missing from many brand-detection libraries. These are the domestic networks of Nigeria.
| Scheme | Card numbers start with | Length | Online | About |
|---|---|---|---|---|
| Verve Verve International (Interswitch Group) |
506099-506198, 650002-650027, 507865-507964 | 16, 18, 19 | Yes | Nigeria's first domestic card scheme, launched by Interswitch in 2009 and over 100 million cards issued by December 2025; many Verve cards authenticate with a PIN at checkout. No. Source |
| AfriGo AfriGopay Financial Services Ltd (NIBSS affiliate, licensed by the CBN) |
Visa/Mastercard BINs (co-badged) | – | Yes | National domestic card scheme launched by the Central Bank of Nigeria with NIBSS on 26 January 2023; Access Bank was the first issuer and Flutterwave lists AfriGo as a supported card type. No. Source |
BIN counts for local networks in our dataset:
| 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 128 named issuers. The three largest issuers — Access Bank, Zenith Bank and United Bank for Africa — hold 26% of the BINs with a named bank. Banks with ten or more BINs link to their full BIN list.
| 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% |
| Providus Bank PLC | 23 | Mastercard | 96% |
| Sterling Bank PLC | 22 | Visa | 73% |
| Polaris Bank, Ltd. | 21 | Visa | 67% |
Card networks and card types in Nigeria
Our BIN data lists 771 BINs registered to Nigeria, 633 of them with a named issuer across 128 banks. The largest network is Visa with 39% of the ranges, followed by Mastercard (30%). Debit ranges outnumber credit ranges 608 to 163. Visa and Mastercard hold a similar number of ranges. 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 |
| Local brand (unspecified) | 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 authentication: Nigerian card checkouts normally require a card PIN and/or OTP; a December 2025 CBN circular also requires multi-factor authentication for foreign-card online transactions above $200 a day. Source
- Card country: Geo checks match the issuing country of the BIN (NG) against IP and address. Generate one batch with a local BIN and one with a foreign BIN to cover both outcomes.
- Debit vs credit: 79% of the BINs from Nigeria are debit ranges — a higher share than in 56 of the 62 other countries we cover. Use one debit and one credit BIN from Nigeria if your fees or subscription logic depend on the card type.
- Billing details: postcodes in Nigeria are 6 digits (e.g. 100001); phone numbers use +234 — 10-digit national number; mobiles start with 70, 71, 72, 80, 81, 90 or 91 (0803 XXX XXXX nationally). Generate Nigeria test addresses.
Paying online in Nigeria: local methods and gateways
Cards are only part of the picture. These payment methods are popular in Nigeria and usually sit next to the card form at checkout:
- Bank transfer (pay with transfer) (bank transfer) — Customer pays to a generated account number from any Nigerian bank app. Source
- OPay (wallet) — Nigerian mobile wallet offered as a redirect or recurring payment method. Source
- Paga (wallet) — Nigerian mobile wallet offered at online checkouts. Source
Payment gateways developers commonly integrate for Nigeria, with their official sandbox docs:
| Gateway | About | Test cards |
|---|---|---|
| Paystack | Nigerian PSP with test keys and published test cards. | Official docs |
| Flutterwave | Supports Mastercard, Visa, Amex, Verve and AfriGo cards; publishes test cards with PIN and OTP flows. | Flutterwave test cards |
| Interswitch (Quickteller Business) | Operator of Verve; publishes its own Verve, Visa and Mastercard test cards. | Official docs |
Card generators for other countries
← 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. Every number on this page starts 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. Nothing is attached to them, so any real charge is 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). If you sell abroad, test NGN and your settlement currency — cards from Nigeria work with both.
Are these Nigeria card numbers real? Can I pay with them?
They do not. A generated number only has the right shape; Access Bank or any other issuer has never heard of it, so authorization always fails. Real alternatives: a virtual card from a bank in Nigeria or a wallet such as OPay and Paga. Testing a checkout? Use your gateway’s sandbox test cards.
What does a Verve card number look like?
Verve numbers start with 506099–506198, 650002–650027 and 507865–507964 and have 16/18/19 digits with a Luhn check digit. Nigeria's first domestic card scheme, launched by Interswitch in 2009 and over 100 million cards issued by December 2025; many Verve cards authenticate with a PIN at checkout. Make sure your card form accepts these prefixes instead of rejecting them as an unknown brand.
Which payment methods should a checkout for Nigeria offer next to cards?
Bank transfer (pay with transfer): Customer pays to a generated account number from any Nigerian bank app. OPay: Nigerian mobile wallet offered as a redirect or recurring payment method. Paga: Nigerian mobile wallet offered at online checkouts.