Use the following sandbox-only test accounts and mobile money numbers to simulate name validation and payouts. Each row indicates whether the scenario should pass or fail (see the Sim Outcome column).
How to use
For name validation, submit the account details exactly as shown.
For payout tests, amounts and currencies must match the currency shown for each account.
Sim Outcome:Pass = return a successful validation/payout response. Fail = return a rejection/failed validation message.
🇳🇬 Nigeria (NGN)
Sim Outcome
Type
Institution
Account Number
Account Name
Bank Code
BIC/SWIFT
Branch (Code)
City
Fail
Bank
Access Bank Plc
0123456789
John Doe
044
ABNGNGLAXXX / ABNGNGLA
Victoria Island (001)
Lagos
Pass
Bank
OPay
0987654321
Grace Okoro
305
–
Yaba (002)
Lagos
Pass
Bank
GTBank
2345678901
Chinwe Eze
058
GTBANKNGLXXX / GTBANKNGL
Ikeja (003)
Lagos
🇺🇬 Uganda (UGX)
Sim Outcome
Type
Institution
Account/Wallet Number
Account Name
Bank Code
BIC/SWIFT
Branch (Code)
City
Fail
Mobile Money
MTN Mobile
256772123456
Jane Doe
MTN
–
–
–
Pass
Mobile Money
Airtel Money Uganda
256701234567
David Owor
AIRTEL
–
–
–
Pass
Bank
Stanbic Bank Uganda
1002003004
Finance Bank Uganda Test
UG04000
SBICUGKXXXX / SBICUGKX
Garden City (102)
Kampala
Fail
Bank
Standard Chartered Bank Uganda Ltd
1002003014
Finance Bank Uganda Test
STAN
SCBLUGKAXXX / SCBLUGKA
Garden City (102)
Kampala
🇰🇪 Kenya (KES)
Sim Outcome
Type
Institution
Account/Wallet Number
Account Name
Bank Code
BIC/SWIFT
Branch (Code)
City
Fail
Mobile Money
Safaricom (M-Pesa)
254712345678
Peter Mwangi
SAFARICOM
–
–
–
Pass
Mobile Money
Airtel Money Kenya
254731234567
Mary Atieno
AIRTEL
–
–
–
Pass
Bank
Kenya Commercial Bank Ltd (KCB)
1000012345
KCB Test Account
01
KCBLKENXXXX / KCBLKENX
JKIA (202)
Nairobi
🇬🇭 Ghana (GHS)
Sim Outcome
Type
Institution
Account/Wallet Number
Account Name
Bank Code
BIC/SWIFT
Branch (Code)
City
Fail
Mobile Money
MTN Mobile Money Ghana
233201234567
Kwame Mensah
MTN
–
–
–
Pass
Mobile Money
Airtel (Tigo) Money Ghana
233541234567
Ama Boateng
AIRTEL
–
–
–
Pass
Bank
Ecobank Ghana
4005006007
Ecobank Ghana Test
GH130100
ECOCGHACXXX / ECOCGHAC
Osu (302)
Accra
🇿🇲 Zambia (ZMW)
Sim Outcome
Type
Institution
Account/Wallet Number
Account Name
Bank Code
BIC/SWIFT
Branch (Code)
City
Fail
Mobile Money
Airtel Money Zambia
260971234567
Chanda Mwape
AIRTEL
–
–
–
Pass
Mobile Money
MTN Mobile Money Zambia
260951234567
Mutinta Phiri
MTN
–
–
–
Pass
Bank
Zanaco Bank
3004005006
Zanaco Test Account
ZNCOZMLU
ZNCOZMLUXXX / ZNCOZMLU
Mzuzu (402)
Mzuzu
Note: City/branch details above are placeholders for sandbox behavior and may not reflect live banking geography.
🇹🇿 Tanzania (TZS)
Sim Outcome
Type
Institution
Account/Wallet Number
Account Name
Bank Code
BIC/SWIFT
Branch (Code)
City
Fail
Mobile Money
TIGO Money
255671234567
Asha Juma
TIGO
–
–
–
Pass
Mobile Money
Vodacom (M-Pesa)
255751234567
Neema Said
MPESA
–
–
–
Pass
Bank
CRDB Bank Tanzania
7008009001
CRDB Bank Test
21009678
CORUTZTZXXX / CORUTZTZ
Ilala (502)
Dar es Salaam
🇷🇼 Rwanda (RWF)
Sim Outcome
Type
Institution
Account/Wallet Number
Account Name
Bank Code
BIC/SWIFT
Branch (Code)
City
Fail
Mobile Money
MTN Mobile Money
250781234567
Jean Uwimana
MTN
–
–
–
Pass
Mobile Money
Airtel Money Rwanda
250731234567
Alice Habimana
AIRTEL
–
–
–
Pass
Bank
Bank of Kigali
8009001002
Bank of Kigali Test
BKIGRWRWXXX
BKIGRWRWXXX / BKIGRWRW
Gisozi (602)
Kigali
🇨🇮 Côte d'Ivoire (XOF)
Sim Outcome
Type
Institution
Account/Wallet Number
Account Name
Bank Code
BIC/SWIFT
Branch (Code)
City
Fail
Mobile Money
Orange Money Côte d'Ivoire
2250701234567
Kouassi Jean
ORANGE
–
–
–
Pass
Mobile Money
MTN Mobile
2250509876543
Marie Koné
MTN
–
–
–
🇨🇲 Cameroon (XAF)
Sim Outcome
Type
Institution
Account/Wallet Number
Account Name
Bank Code
BIC/SWIFT
Branch (Code)
City
Fail
Mobile Money
MTN Mobile
237671234567
Mbappe Simon
MTN
–
–
–
Pass
Mobile Money
Orange Money Cameroon
237651234567
Ngassa Clarisse
ORANGE
–
–
–
🌎 FX Currencies (USD / EUR / GBP) — Dummy Bank Accounts
These are dummy IBAN/Routing examples for sandbox flows that require international details. Use only in test; not valid for live banking.
🇺🇸 USD (United States)
Institution
Account Number
Account Name
Routing / Bank Code
BIC/SWIFT
City
Sim Outcome
Chase Bank
123456789
John Doe USD Test
021000021
CHASUS33
New York
Pass
Bank of America
987654321
Jane Smith USD Test
026009593
BOFAUS3N
Los Angeles
Pass
🇪🇺 EUR (IBAN examples)
Institution
IBAN / Account Number
Account Name
Bank Code
BIC/SWIFT
City
Sim Outcome
NatWest Bank (UK)
GB29NWBK60161331926819
John Doe EUR Test
NWBK
NWBKGB2L
London
Pass
Commerzbank (DE)
DE89370400440532013000
Jane Smith
COBA
COBADEFF
Frankfurt
Pass
🇬🇧 GBP (United Kingdom)
Institution
IBAN / Account Number
Account Name
Bank Code
BIC/SWIFT
City
Sim Outcome
NatWest Bank
GB29NWBK60161331926819
John Doe
NWBK
NWBKGB2L
London
Pass
Notes & Disclaimers
These credentials are for sandbox only and should not be used in production.
Field presence (e.g., BIC/SWIFT, branch codes) mirrors typical live requirements but is simplified for testing.
If you need additional pass/fail scenarios (e.g., insufficient funds, name mismatch), we can add more rows per country.
