GoCardless test cards

Use these details to try payments in a GoCardless sandbox (test) account. They work only in the sandbox: never use them in live, and never put real card or bank details into a sandbox.

GoCardless is bank debit only, so there are no test cards: use the test bank accounts below for each scheme. Sandbox payments aren’t processed, but GoCardless may still send email notifications, so don’t use real customer email addresses.

Where these details come from

These are GoCardless’s test details, not ours. They were copied from GoCardless’s Test Bank Details and Scenario Simulators pages on 19 October 2026, and were correct on that date as far as those pages show. GoCardless can change or withdraw them at any time, and we can’t confirm that they work. Check GoCardless’s pages for the current details, and ask GoCardless if one doesn’t behave as described.

How to choose a test result

• The payment currency picks the scheme: GBP for Bacs, EUR for SEPA, USD for ACH, AUD for BECS, NZD for BECS NZ, SEK for Autogiro, DKK for Betalingsservice and CAD for PAD. The scheme must also be switched on in the GoCardless sandbox account.
• The bank account doesn’t set the result: any of GoCardless’s test accounts is accepted (Test Bank Details).
• The customer’s first name sets what happens to the mandate and payment (Scenario Simulators). Enter the name, for example Penniless, as the customer’s first name at the checkout. We send GoCardless the first and last names separately, so the last name can be anything. On an online payment, GoCardless’s payment page opens with the customer’s name filled in: if you change it there, keep the trigger as the first name.
• Or simulate the outcome in the GoCardless sandbox dashboard, which GoCardless recommends: Developers > API Settings > Actions > Simulate scenario, with the payment or mandate ID (Scenario Simulators).
• For the payer name check, the account holder name must be No Match (Scenario Simulators). On GoCardless’s payment page, enter it as the account holder name. For an offline mandate taken by staff (switch on Enable offline mandates in the GoCardless connection), we send the customer’s first and last name as the account holder name, so enter No as the first name and Match as the last name.

ACH (US bank accounts)

Routing number	Account number	Result
026073150	2715500356 (checking)	Accepted. The result depends on the customer’s first name

SEPA Direct Debit

IBAN	Result
FR14 2004 1010 0505 0001 3M02 606 (France)	Accepted. The result depends on the customer’s first name
DE89 3704 0044 0532 0130 00 (Germany)	Accepted. The result depends on the customer’s first name
Either IBAN, with account holder name No Match	Payer name check: no match

Bacs Direct Debit

Sort code	Account number	Result
200000	55779911	Accepted. The result depends on the customer’s first name
200000	55779911, with account holder name No Match	Payer name check: no match

BECS (Australia)

BSB	Account number	Result
082-082	012345678	Accepted. The result depends on the customer’s first name

BECS NZ (New Zealand)

Bank code	Branch code	Account number	Result
12	3113	0003869-00	Accepted. The result depends on the customer’s first name

Autogiro (Sweden)

Branch code (clearingnummer)	Account number (kontonummer)	Identity number (personnummer)	Result
5491	0000003	198112289874	Accepted. The result depends on the customer’s first name

Betalingsservice (Denmark)

Bank code (registreringsnummer)	Account number (kontonummer)	Identity number (CPR-nummer)	Result
345	3179681	0101701234	Accepted. The result depends on the customer’s first name

PAD (Canada)

Financial institution number	Branch transit number	Account number	Result
0003	00006	1234567	Accepted. The result depends on the customer’s first name

Choosing the result

Enter one of these as the customer’s first name to set what happens to the mandate and payment. The last name can be anything.

First name	Result	Schemes
Successful	Mandate activated. Payment collected and paid out	All of the above
Penniless	Mandate activated. Payment fails (for example, insufficient funds)	All of the above
Fickle	Payment collected and paid out, then charged back	All of the above
Late	Payment fails, but the bank reports it later than normal	ACH, Bacs, BECS, BECS NZ and SEPA
Invalid	Mandate fails because the bank details are invalid	All of the above except SEPA

For SEPA, mandate events only happen when the first payment is taken. GoCardless lists more scenarios on its Scenario Simulators page.

GoCardless recommends its scenario simulator over first names, as it’s more reliable and covers more cases. In the GoCardless sandbox dashboard, go to Developers > API Settings, open the Actions menu and select Simulate scenario. Choose a scenario, enter the ID of the payment or mandate, and select Simulate scenario.