How to Do Cardless ATM Withdrawal in Nigeria

Cardless ATM withdrawal is a convenient and secure way to access cash from an Automated Teller Machine (ATM) without the need for a physical debit card. This innovative technology has been introduced in Nigeria to provide customers with more flexibility and convenience when it comes to accessing their bank accounts.

With cardless ATM withdrawal, customers can initiate a transaction using their mobile banking app or through an ATM’s menu. Once the transaction is initiated, a unique code is generated that can be used to withdraw cash from an ATM. This eliminates the need for customers to carry their debit cards with them, reducing the risk of loss or theft.

The process of cardless ATM withdrawal in Nigeria is quick and straightforward. To initiate a transaction, customers simply need to log into their mobile banking app and select the option for cardless withdrawal. They then enter the amount they want to withdraw and are given a unique code that can be used at an ATM. Once the code is entered into the ATM, the requested amount is dispensed, and the transaction is complete.

How to perform a cardless ATM Withdrawal in Nigeria works

The guide below, will show you different ways to withdraw money from any bank’s ATM without an ATM card;

1. Cardless Bank Withdrawal from Access Bank

Here’s how to use the USSD code to set up a cardless withdrawal from Access Bank.

• On your phone, dial *903# and then choose “Withdraw Money.”
• Choose “Withdraw from ATM.”
• Type in the amount and use your PIN to confirm the transaction.
• If your withdrawal goes well, you will get a transaction code.
• Write down the code and go to any of our ATMs.
• Press “0” to make a withdrawal without a card.

2. Withdrawal from ALAT Bank without a card

Here’s how to set up a digital bank withdrawal without a card for ALAT.

• Open the ALAT app and go to the menu. Click Send Money, then click ATM Cardless Transfer.
• Enter the necessary information and confirm the transfer with your ALAT PIN. You will get an email with a pay code.
• To get your money, go to any ATM that accepts cards or a paycode and follow these steps:
• Press “Enter” to clear the screen on the ATM.
• Choose Paycode CashOut.
• Type in the cashout PIN and the reference number.
• Type in the amount you want to take out.

3. Withdraw from Ecobank without a card

Here’s how to set up XpressCash to withdraw money from Ecobank without a card.

• If you haven’t already, get the Ecobank Mobile Banking App and sign up for the service.
• Use the information you used to sign up for your account to log in.
• Choose “Xpresscash” from the list of services.
• 4.When asked to choose between “Xpress Cash Agent” and “ATM,” pick “ATM.”
• Choose the account from which you want to take the money out.
• An eight-digit electronic token will be generated.
• Bring this token to any Ecobank ATM to get your money. Please remember that this token is only good for three days, after which it will no longer work.
• At the ATM, choose the Xpresscash option. The 8-digit E-token will be asked for.
• Type in the token, and then type in how much money you want to take out.

4. Withdrawal from Fidelity Bank without a card

Here’s how to set up a cardless withdrawal from your Fidelity bank account using the USSD code

• Dial *770*8*Amount# and then follow the instructions on the screen.
• Make a one-time PIN (OTP), then enter your PIN to get a Paycode directly from your Fidelity account to withdraw cash.
• To get cash from an ATM, enter your Paycode, PIN, and Amount. We don’t need your card.

5. First bank withdrawal without a card

Here’s how to use the USSD code to set up a cardless withdrawal from your first bank.

• Dial *848*Amount#.
• Fill out the necessary information and confirm the transaction with your PIN.
• You’ll be asked to make a 4-digit PIN that can only be used once. Make the PIN and then press “Send.”
• You will get an SMS or email with a paycode.
• Go to the First Bank Cardless ATM that is closest to you.

6. Cardless Withdrawal from GTBank

Here’s how to use the USSD code to set up a cardless withdrawal from Gtbank.

• On your registered phone number and dial *737*3*AMOUNT#.
• You will get a text message with a transaction code.
• Go to any GTBank ATM and push any of the machine’s buttons (without inserting your card)
• Choose “Automatic Card Withdrawal” (GTRescue)
• Type in the transaction code you were given.
• Type in your 737 PIN or your card’s last four digits.
• Finish the deal and get your money back.

7. Withdrawing from Stanbic IBTC without a card

Here’s how to withdraw money from your Stanbic IBTC account without a card by using a USSD code or a mobile app.

• Dial *909#, then go to @ease wallet or download the ease wallet app and install it on your device.
• 2.If you are just starting out, you will need to put your phone number into an ease wallet.
• After successfully making an ease wallet account number, which is your phone number without the first zero… For example, if your account number is 8061110000, you can then fund your account.
• To withdraw money without a card, just choose the option to get a Paycode and move on to the next step.
• Go to the nearest Stanbic IBTC Cardless ATM, use the cardless withdrawal feature, and use the Paycode from your ease wallet to verify a withdrawal.

8. Withdraw from UBA without a card

Here’s how to use the USSD code to set up a cardless withdrawal from UBA.

• Dial *919#
• Choose option (7) to see the NEXT PAGE for the Cardless (PayCode) option.
• Select option (3) for “Cardless (PayCode)”
• Type in your Bank of Magic PIN
• Pick No Account
• Choose your favorite option: (1)ATM Cashout
• Type in a number
• Type in the 4-digit one-time cashout pin

Then, you can go to any UBA ATM or any other ATM that lets you get cash without a card. Choose the “cardless” option and follow the instructions with your ATM Cashout pin.

9. Withdraw from Union Bank without a card

Here’s how to use the USSD code to set up a Union Bank cardless withdrawal

• Dial “*826#” from the phone number associated with your account number.
• Follow the instructions on the screen to make a Paycode and PIN.
• Go to any ATM that can be used without a card.
• Press the machine’s Enter button and choose Paycode
• Do what it tells you to do to finish your transaction.
• Get your money.

10. Withdrawal from Wema Bank without a card

Here’s how to set up a cardless withdrawal from your Wema bank account using the USSD code

• Dial *945# on the cell phone you used to open your bank account.
• Choose “Cash on the Go” from the list of options.
• Follow the prompts to make a withdrawal code.
• Go to any Wema bank ATM and use the generated code to get the money.

11. Withdrawal from Zenith Bank without a card

Here’s how to use the USSD code to set up a cardless withdrawal from Zenith Bank.

• Just dial *966*60# and choose option 7.
• Then follow the prompts and go to the Zenith ATM.

Cardless ATM withdrawal in Nigeria is a safe and secure way to access cash. The unique code generated for each transaction is encrypted, ensuring that it cannot be intercepted or used by unauthorized individuals. Additionally, the code is valid for a limited time, adding another layer of security to the transaction.

In conclusion, cardless ATM withdrawal is a game-changer in the Nigerian banking industry, providing customers with greater convenience and security when accessing their cash. Whether you’re at home, at work, or on the go, cardless ATM withdrawal gives you the flexibility to access your money whenever and wherever you need it.