How to Run Cardless ATM Withdrawal for All Banks in Nigeria

Technology in the banking sector just got a whole new level with the cardless ATM withdrawal. This is one of the smartest ways to benefit from the banking sector.

This means you can cut off the debit card usage at the ATM terminals. Now we will look in details how this works and of what benefit is it to you as a consumer.

atm-cardless withdrwal cash

Cardless withdrawal is also known as ‘Cash-on-the-go’ (COTG). This works with Instant banking service portal using the USSD dial option. Some banks also allow this feature to work with banking apps too.

Read Also: How to transfer money with USSD code to any bank

Note: It is advisable to use the Paycode from your bank as listed in this article for each bank.

The list of all banks in Nigeria are covered and listed below.

Benefits of Cardless Withdrawal

  • This is easy and secured to use
  • It is safe as you do not have fear of losing your ATM card.
  • There is no need for ATM card
  • Above all it is Fast and efficient

CARDLESS ATM WITHDRAWAL REQUIREMENT

There are certain things that is needed for you to enable cardless withdrawal

  1. There is need for an instant banking code. For instance *737#
  2. You need the phone number registered to your bank account
  3. Your banking app (for banks that support the use of app or internet banking)
  4. 12 digit Paycode that will be sent to your mobile line via text message
  5. Self-generated 4- digit One-time PIN (OTP)

CONDITIONS FOR CARDLESS ATM WITHDRAWAL IN NIGERIA

  1. There are withdrawal limits set by banks. Most banks are ₦20,000 withdrawal limits for cashless withdrawal
  2. This can be done with the use of mobile apps strictly for many banks while others is the use of instant banking code
  3. Not all ATMs support this service. Hence, try to use ATM that are inside banks and that are close to you

HOW TO WITHDRAW WITHOUT ATM CARD IN NIGERIAN BANKS

The metod of withdrawing money wirelessly from banks differ from ban to bank. This part shows how to withdraw money without card in Nigeria. These are the banks that support such service in this era

1 HOW TO WITHDRAW WITHOUT ATM CARD USING FIRST BANK

  • With your phone, dial *848*Amount#
  • Follow the command prompt on the screen and provide the necessary details
  • Provide your Pin
  • The next screen requires you to create a 4- digit one-time PIN and click Send
  • A Paycode will be sent to your registered number and email (Might take a while, just be patient)
  • Go to the nearest First Bank Cardless enabled ATM then enter your personal PIN. In the on screen options, select Cardless Withdrawal
  • Enter your 4-digit One time PIN you generated and paycode
  • Type in the amount (as typed in earlier) and your phone number
  • Collect your cash

2 HOW TO WITHDRAW WITHOUT ATM CARD IN FIRST CITY MONUMENT BANK PLC

  • Login to FCMB mobile app
  • Select ‘Cardless Cash’ and select ‘Cardless’
  • Provide all info and click ‘Generate Paycode Token’
  • Visit any cardless ATM, choose ‘Enter’ and select the ‘Paycode Cashout Option’
  • enter your 8-14-digit withdrawal code received
  • Enter your 4-digit Cash-Out PIN generated
  • enter the amount and submit

3 CITIBANK CARDLESS WITHDRAWAL METHOD IN NIGERIA

Citibank withdrawal is done online using their banking app. Follow these steps to successfully withdraw without ATM card from Citibank Nigeria Limited.

  • Set up a cardless cash withdrawal in Citibank Online Portal or Citi Mobile App
  • A One-Time PIN (OTP) will be sent via SMS to your mobile number
  • Now go to the nearest Citibank cardless ATM
  • Enter the details with the OTP that will be sent to you and withdraw your cash

4 HOW TO WITHDRAW WITHOUT ATM CARD FROM ACCESS BANK

How can I do a cardless withdrawal from Access Bank?

  1. First, dial *903# from your mobile phone and choose the option “Withdraw Money
  2. Now choose the “ATM Withdrawal” option
  3. Type the Amount you want and provide your transaction details with your PIN
  4. An OTP will be sent to you
  5. With this One time Passcode, you will be able to withdraw by visiting any nearest ATM
  6. Press ‘0’ to perform a cardless withdrawal
  7. Choose Access Money, provide your phone number, amount entered and the OTP sent to you
  8. click continue
  9. Now collect your cash

5 HOW TO WITHDRAW WITHOUT ATM CARD USING ECOBANK

There are two ways to perform a cardless withdrawal using Ecobank. They are

  1. via the mobile app
  2. via the ussd code

How to withdraw without ATM Card using the Ecobank mobile App

  1. Download the mobile banking app and Login
  2. Now choose Xpresscash in the menu
  3. From the options “Xpress point agency or ATM”. Select the “ATM” option and proceed
  4. You can select the account you wish to withdraw from if more than one
  5. The app automatically generates 8 digit pin/token and it is valid for 3 days
  6. With this token, go to the nearest ATM stand and follow the command prompt
  7. Choose the Xpresscash option on the ATM machine
  8. Now you need to enter the 8 digit pin and complete the transaction
  9. Collect your cash

How to withdraw without ATM Card using the Ecobank USSD Code

  • First you need to activate Ecobank ussd code on your phone.
  • Just dial *326# and choose the cardless withdrawal option
  • The next interface, just select Xpresscash
  • You need to generate an e-token usually 8 digits
  • Go to nearest Cardless ATM terminal
  • Now select Xpress cash
  • Enter the e-token you generated and follow the command prompt
  • Wait and collect your cash

6 WITHDRAW FROM FIDELITY BANK WITHOUT ATM CARD

  • With your phone, dial *770*8*Amount#. For instance if you wish to withdraw N20,000, dial *770*8*20000#
  • A onetime paycode will be generated and sent to your phone via text message
  • Proceed to a cardless withdrawal enabled ATM
  • At the ATM, enter your Paycode, OTP, Pin, Amount and Phone Number to get your Cash.
  • Enter the amount you wish to withdrawn and wait for your cash

7 HOW TO WITHDRAW WITHOUT ATM CARD USING GT BANK

There are three ways to do cardless withdrawal with GTB as listed below.

  1. Internet banking
  2. Mobile banking
  3. USSD

1. HOW TO PERFORM CARDLESS WITHDRAWAL USING GT BANK INTERNET BANKING

  • This steps involves the use of internet banking platform
  • Sign into the internet banking
  • Locate the Account Transfers and choose this option
  • Here you have two options. (1) Cardless Withdrawal (GT-Rescue) (2) Paycode (Cardless withdrawal).

Note: If you select Cardless Withdrawal (GT-Rescue), you can only withdraw using a Guarantee Trust Bank ATM. If you select Paycode (Cardless withdrawal), you’ll be able to withdraw from any other bank’s ATM.

  • Now fill the form that is displayed to you with details like your Name, Mobile Number (registered to the account), Account to Debit, Terminal Type, Amount
  • Confirm details captured are accurate and completed
  • Enter “answer to secret question” (You would have created one before during registration for internet banking)
  • Enter the “Token code”
  • Click the “Submit“ button to complete your request

NB: A reference code is immediately sent to your mobile phone via SMS and you can locate the nearest ATM to make your withdrawals

2. HOW TO WITHDRAW WITHOUT ATM CARD USING GT BANK MOBILE BANKING

  • Download the GT-World application on “Playstore” for Android phones, “Appworld” for BlackBerry phones and “Applestore” for IPhone
  • Log in to Mobile Banking with your User ID and Password
  • Slide your finger on your Mobile phone to display outstanding menu items
  • Click “Cardless withdrawal” options on the “Banking” module
  • If you want to withdraw from a GTBank’s ATM machine close to you, click ” Cash out (GTBank ATMs)” option
  • If you want to withdraw from any Other bank ATM, click ” Cash out (All ATMs & POS)” option
  • Complete the form displayed
  • Click “Continue”
  • Enter your “4 digit PIN” or “Token Code” and click “Done” to complete your request

NB: A reference code is immediately sent to your mobile phone via SMS and you can locate the nearest ATM to make your withdrawals.

3. HOW TO WITHDRAW WITHOUT ATM CARD USING GT BANK USSD

  • Dial *737# and select or type in ”8” to select next page
  • Input ”1” to select cardless withdrawals
  • Input ”1” or “2” to select either “GTBank” or “Other Bank”
  • If your Option is “Other Bank” then, enter “Terminal” as “1” or “2” to select “ATM” or “POS”
  • Enter your ”Amount”
  • Enter any 4 digit code to set your “Cash-Out PIN”
  • Enter your pre-selected 4 digits PIN to complete the cardless withdrawal request

NB: A reference code is immediately sent to your mobile phone via SMS and you can locate the nearest ATM to make your withdrawals.

Now, depending on your option, you’ll have to either go to ‘only’ GTB ATM or Other Banks’ ATM.

For GTBank’s ATM

  • Locate any GTBank ATM
  • Press “Enter” button on the ATM
  • Select the “Cardless Withdrawal(GT-Rescue)” option
  • Enter “Reference Code” received on your mobile phone
  • Enter “ Amount” (This should be same selected when initiating request on Internet Banking, USSD, Mobile Banking)
  • Press “Enter “ button to proceed
  • Collect your Cash

For Other Bank’s ATM

  • Locate any Other Banks ATM
  • Press “Enter” button on the ATM
  • Select the “PayCode” option
  • Enter “PayCode number” received on your mobile phone
  • Enter pre-selected “Cash-Out PIN Number” selected on Internet Banking when initiating request
  • Enter “Amount” (This should be same selected when initiating request on Internet Banking, USSD, Mobile Banking)
  • Press “Enter “ button to proceed
  • Collect your Cash

8 HOW TO WITHDRAW WITHOUT ATM CARD IN HERITAGE BANK

  • With your phone, dial *322*030*8*Amount#
  • Steps on what to do will be displayed as dialogues which you must follow
  • A pay code will be sent to you via text message
  • Now you can proceed to the nearest ATM station
  • Press any button or 0 on the ATM machine
  • Follow the on screen dialogue
  • Enter your paycode generated before
  • Now enter your 4-digit pin
  • Enter same amount your entered with code before
  • Wait for the machine to complete the processing and cash dispensed
  • collect your money

9 HOW TO USE POLARIS BANK CARDLESS CODE IN NIGERIA

  • Simply dial *322*8*Amount#
  • You can generate a one time paycode (OTP) by following the on screen command prompt
  • Go to any Polaris Bank ATM 
  • Enter your OTP
  • Provide your reference code.
  • Enter an amount you wish to withdraw
  • Now after everything, collect your money

10 STANBIC IBTC CARDLESS WITHDRAWAL

For customers of Stanbic Bank, you can follow the steps below: You may need to download the ease wallet app

  1. With your phone, dial *909#
  2. Navigate to @ease wallet 
  3. Create an ease wallet with your phone number associated with your Stanbic bank account (Note that the first zero of your number will not display)
  4. Now proceed to fund your account.
  5. To perform a cardless withdrawal, choose generate a Paycode (OTP) and continue
  6. Proceed to the nearest Stanbic IBTC Cardless enabled ATM, enter details and collect your money

11 HOW TO WITHDRAW MONEY WITHOUT ATM CARD STERLING BANK

It is referred to as Dial4Cash and the process is as follows

  • From your mobile device, dial the code *822*42#.
  • Select generate token by pressing 1 in the option displayed
  • Choose to generate pin of your choice
  • Now validate your PIN
  • You will receive a transaction code to successfully withdraw with your phone
  • Visit any ATM Gallery
  • Choose Sterling Money and enter your Phone number, Amount and the OTP you received earlier
  • Wait for the machine to process the details and you get your money

12 HOW TO WITHDRAW WITHOUT ATM CARD WITH UNION BANK

  • With your phone, dial the code *826#
  • Follow the on-screen command prompt to generate an OTP
  • Now go to the nearest ATM station
  • You will choose your Paycode.
  • Provide the details including Reference code, amount and OTP
  • Wait for the machine to process your details. If correct, your cash will be dispensed
  • Now collect your money

13 HOW TO WITHDRAW MONEY WITHOUT ATM CARD UBA

  • From your mobile number, dial *919*30*Amount#.
  • Follow the on-screen command prompt
  • At this point a Reference code will be generated
  • You can visit any ATM gallery
  • Choose the Paycode
  • Enter the OTP and amount. This details must be same as that selected previously
  • Collect your cash

14 HOW TO WITHDRAW MONEY WITHOUT ATM CARD IN UNITY BANK

You can use the Paycode option to withdraw from your Unity Bank account without credit card. Here are the steps involved.

  • Just dial *7799#
  • Choose 4 for cardless withdrawal
    Enter the amount you want to withdraw
  • Choose your 4 digits pin
    This involes you to enter your ussd pin
  • Cashout pay code will be sent to you avia SMS to your registered number with the account
  • Visit the nearest ATM and select any button
  • Select pay code option on the ATM
  • Now enter the pay code digits usually 8 digits sent to you as SMS
  • Enter your cashout pin that you generated, this is a4 digits code
  • Enter the amount you requested for withdrawal earlier
  • Now hold on for the ATM to verify your information
  • Once approved, you get your cash

15 HOW TO DO CARDLESS WITHDRAWAL WITH WEMA BANK

  1. Simply dial *945# with your mobile registered with your bank account
  2. Select Cash-on-the-Go option among the given options.
  3. Now generate a withdrawal code by following the prompts.
  4. Go to  any Wema bank ATM terminal
  5. Provide your generated code
  6. Once all details are correct, wait and collect your cash

HOW TO DO CARDLESS WITHDRAWAL WITH ALAT

  • Install ALAT from playstore
  • Provide your details and sign in
  • Click the menu option at the top-left of your screen
  • Select the Send Money option
  • Now you need to select ATM Cardless Withdrawal
  • Click Generate Paycode
  • Provide the required details and use your ALAT PIN for confirmation and ALAT will send the Paycode to your email.
  • Visit the nearest Paycode-enabled ATM and press the Enter key to reset the ATM screen.
  • Choose CashOut Paycode.
  • Enter the reference number and the cashout PIN sent to you.
  • Enter the amount of money you want to withdraw
  • Collect your cash

16 HOW TO PERFORM A CARDLESS WITHDRAWAL ZENITH BANK

  • From your mobile phone with the number associated to the bank account
  • Dial *966*60#.
  • You will get a command pompt options. Just choose option 7 to proceed
  • Follow the on-screen prompt options
  • You will need to provide the last 4 digit of your ATM card
  • Now you need to generate a 4-digit pin that you will use for the cardless transaction
  • An OTP will be sent to you. this is what you will use for cardless withdrawal at the ATM
  • Proceed to the nearest Zenith bank ATM terminal
  • Tap the “Enter” button on the ATM
  • Choose the “Cardless Withdrawal option
  • Enter “Reference Code” received on your mobile phone
  • Enter “ Amount” (This should be same selected when initiating request on Internet Banking, USSD, Mobile Banking)
  • Tap the “Enter “ button to proceed and after the processing, wait
  • Collect your money

If you wish to use Other Bank’s ATM

1 Visit any Other Banks ATM
2 Select the “Enter” button on the ATM
3 Now choose the “PayCode” option
4 Provide your “PayCode number” you received on your mobile phone earlier
5 Select the pre-selected “Cash-Out PIN Number” selected on Internet Banking when initiating request
6 Type in the “Amount” (Must be same as that selected earlier on either the Internet Banking, USSD, Mobile Banking)
7 Tap the “Enter “ button to proceed. Wait for processing to be completed and
8 Collect your Cash

17 HOW TO DO CARDLESS WITHDRAWAL KEYSTONE BANK

  • Dial *7111#
  • Select ‘Other Services’
  • Choose “cardless withdrawal”
  • Now choose ‘Account Number’
  • Enter the amount you wish to withdraw 
  • Now create a 4-digits PIN for use on the ATM
  • Provide your 4-digits USSD PIN to confirm
  • Go to the nearest ATM gallery and select the option CARDLESS PAYCODE
  • Enter your paycode and the 4-digit PIN generated before now
  • Once the ATM has processed all info correctly
  • Your cash will be dispensed

18 HOW TO DO STANDARD CHARTERED CARDLESS WITHDRAWAL

  1. First you need to download their Mobile banking app from Play Store or Apple Store
  2. Now launch the app
  3. Provide your Password and Username. If you do not have Standard Chartered mobile account, click on Sign Up to register
  4. Choose QR Pay
  5. Select your account for QR payment
  6. Create a 4-digit pin
  7. An OTP will be sent to you via sms or email
  8. Enter the OTP you received from Standard charted bank
  9. Choose ‘Allow App to Access Camera‘ when prompted
  10. After the verification process, money is sent to the recipient (in this case you via the ATM if you wish to cash out)

19 CARDLESS WITHDRAWAL ON GLOBUS BANK

Globus bank does not support cardless services at the moment.

20 CARDLESS WITHDRAWAL ON TITAN BANK

Titan Trust bank does not support cardless services at the moment.

21 PROVIDUS BANK CARDLESS WITHDRAWAL

Providus bank does not support cardless services at the moment.

22 CARDLESS WITHDRAWAL ON SUNTRUST BANK

SunTrust bank does not support cardless services at the moment.

WRAPPING IT UP

The use of cardless ATM withdrawal in Nigeria has made banking easier and faster. It has made it convenient for one to withdraw money if you do not have an ATM card at the moment. Trust this post is helpful? Kindly share with friends on social media.

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