How to Run Cardless ATM Withdrawal in Nigeria for All Banks

Did you know you can withdraw money from an ATM without your ATM card? Yes, it’s possible! This guide will teach you how to perform cardless ATM withdrawals in Nigeria using any major bank, including Access Bank, GTBank, First Bank, UBA, Wema Bank, and more.

Cardless withdrawal is also called “Cash-on-the-Go” (COTG). It works via USSD codes or through your bank’s mobile app. This feature is a safe and convenient way to access cash, reducing the risk of losing your ATM card or falling victim to card theft.

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What You Need for Cardless ATM Withdrawal

Before you start, ensure you have:

1. Your bank’s instant banking code (e.g., GTBank: *737#, Access Bank: *945#).
2. The SIM card registered to your bank account.
3. A mobile phone.
4. A banking app (if your bank supports app-based cardless withdrawal).

How to Set Up Cardless ATM Withdrawal in Nigeria

You cannot withdraw money without an ATM card unless this feature is activated. Follow these steps:

1. Dial the Instant Banking Code

Use the registered SIM card to dial your bank’s code. Using a different SIM will not work. For example:

• Access Bank: *945#
• GTBank: *737#

2. Select the Cardless Withdrawal Option

After dialing, look for “Cash-on-the-Go” or “Cardless Withdrawal” (names may differ). Enter the corresponding number and send.

3. Enter a One-Time PIN (OTP)

You’ll be prompted to create a one-time cashout PIN. Note that this is different from your account PIN.

4. Enter Amount

Input the amount you want to withdraw. A reference code will be sent to your registered number via SMS.

5. Go to the ATM

Visit the nearest ATM with cardless withdrawal enabled, select the option, and follow the instructions using the reference code.

Things to Know About Cardless ATM Withdrawals in Nigeria

• Banks set minimum and maximum withdrawal limits, usually between ₦20,000 to ₦40,000.
• Not all ATMs support cardless withdrawal. Prefer ATMs located in bank branches.
• Some banks allow withdrawals at other banks’ ATMs, but check your bank’s policy.

Cardless ATM Withdrawal Process by Banks (Updated 2025)

The saying different strokes for different folks as different banks have different ways of withdrawing money wirelessly. This post will show you ways to withdraw money without ATM card

Here is a list of all banks in Nigeria that you can easily perform the task from.

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

Read Also: USSD codes for loans in Nigeria

1. ACCESS BANK CARDLESS WITHDRAWAL

The Bank’s ATMs are also equipped with cardless functionality that makes it easier for non-bank customers to deposit or withdraw money from the ATMs without a Debit card.

How to perform cardless atm withdrawal with Access Bank

• Dial: *903#
• Select Withdraw Money → ATM Withdrawal
• Enter amount and 4-digit PIN
• Receive reference code via SMS
• Visit ATM, select Cardless Withdrawal, enter phone number, reference code, and amount

2. ALAT by Wema Bank Cardless Withdrawal

Step 1: Generate Your Paycode

1. Open the ALAT app on your phone.
2. Navigate to the “Send Money” option in the menu.
3. Select “ATM Cardless Transfer” from the available options.
4. Enter the recipient details (if sending to yourself, use your account info).
5. Confirm the transfer using your ALAT PIN.
6. A paycode will be generated and sent to your email and/or phone number.

The paycode acts as your one-time reference for cardless withdrawal and is valid for a limited time.

Step 2: Withdraw Cash at the ATM

1. Visit any cardless-enabled or paycode-enabled ATM.
2. Press ENTER to clear the ATM screen.
3. Select “CashOut Paycode” from the menu.
4. Enter the reference number and cashout PIN provided by the ALAT app.
5. Input the amount you wish to withdraw.
6. Confirm the transaction and collect your cash.

You’ve successfully withdrawn money without your ATM card!

3. Zenith Bank Cardless ATM Withdrawal – Step by Step

Step 1: Generate Paycode

1. Dial *966*60# from your registered Zenith Bank SIM.
2. Follow the prompts to create a one-time PIN (OTP).
3. Receive a Reference Code via SMS.

Step 2: Withdraw Cash

1. Go to any Zenith Bank cardless-enabled ATM.
2. Select Cardless Withdrawal / Paycode.
3. Enter the Reference Code, OTP, and amount.
4. Confirm and collect your cash.

4. Fidelity Bank Cardless ATM Withdrawal – Step by Step

Fidelity Bank offers a cardless ATM withdrawal feature that allows you to withdraw cash without using your ATM card. You can access this service via USSD code linked to your registered mobile number.

Step 1: Initiate Cardless Withdrawal

1. Using the registered SIM card linked to your Fidelity Bank account, dial: *770*8*Amount#
   • Example: To withdraw ₦10,000, dial 7708*10000#
2. Follow the on-screen prompts.
3. Create a one-time PIN (OTP) for the transaction.
4. Fidelity Bank will send you a Paycode via SMS to your registered number.

The Paycode acts as a one-time reference to complete your cardless withdrawal.

Step 2: Withdraw Cash at the ATM

1. Visit the nearest Fidelity Bank ATM or any cardless-enabled ATM.
2. Select the Cardless Withdrawal option on the ATM screen.
3. Enter the Paycode received via SMS.
4. Enter your 4-digit banking PIN to verify the transaction.
5. Enter the amount you wish to withdraw.
6. Confirm the transaction and collect your cash.

5. Ecobank Cardless ATM Withdrawal – Step by Step

Ecobank Nigeria allows you to withdraw cash without an ATM card using the Ecobank Mobile Banking App. Unlike some other banks, Ecobank does not support USSD cardless withdrawals, so you must use the app.

Step 1: Set Up Cardless Withdrawal

1. Download the Ecobank Mobile Banking App from Google Play Store or Apple App Store (if you haven’t already).
2. Register or log in using your registered account details.
3. From the main menu, select “XpressCash”.
4. Choose “ATM” when prompted to select between XpressCash Agent and ATM.
5. Select the account you wish to withdraw from.
6. An 8-digit electronic token (E-token) will be generated.

The E-token is valid for 3 days only, so ensure you complete your withdrawal within this period.

Step 2: Withdraw Cash at the ATM

1. Visit any Ecobank ATM.
2. Select the “XpressCash” option on the ATM screen.
3. Enter the 8-digit E-token generated by the app.
4. Input the amount of money you want to withdraw.
5. Confirm the transaction and collect your cash.

6. First Bank Cardless ATM Withdrawal – Step by Step

First Bank of Nigeria allows you to withdraw cash without your ATM card using either USSD codes linked to your registered mobile number. Follow these simple steps to complete your transaction safely and efficiently.

Step 1: Initiate Cardless Withdrawal

1. Using the registered SIM card, dial: *848*Amount#
   • Example: To withdraw ₦10,000, dial *848*10000#
2. Follow the on-screen prompts to enter any required details.
3. Enter your account PIN.
4. Generate a one-time 4-digit PIN (OTP) and select Send.
5. First Bank will send a Paycode to your registered SIM via SMS (you may also check your email for the PIN).

The Paycode and OTP are one-time codes used to complete your cardless withdrawal securely.

Step 2: Withdraw Cash at the ATM

1. Go to any First Bank ATM.
2. Select the Cardless Withdrawal option on the ATM screen.
3. Enter your bank PIN to verify your account.
4. Enter the 4-digit OTP received from First Bank.
5. Enter the amount you wish to withdraw.
6. Enter your phone number linked to the account.
7. Confirm the transaction and collect your cash.

7. FCMB Cardless ATM Withdrawal – Step by Step

Step 1: Generate Your Paycode

1. Log in to FCMB Online or the FCMB Mobile App.
2. Select Cardless Cash and choose Cardless.
3. Enter the required details: recipient name (if sending to someone else), amount, and account info.
4. Click Generate Paycode Token to receive an 8–14 digit withdrawal code and a 4-digit Cash-Out PIN.

Step 2: Withdraw Cash at the ATM

1. Go to any FCMB cardless-enabled ATM.
2. Select Paycode Cashout.
3. Enter the withdrawal code and 4-digit Cash-Out PIN.
4. Input the amount and confirm.
5. Collect your cash.

Notes

• Maximum withdrawal per transaction: ₦20,000
• Transaction fee: ₦100
• Paycode must be used before expiration

8. GTBank Cardless ATM Withdrawal – Step by Step

GTBank offers multiple ways to withdraw cash without an ATM card via USSD, mobile app, or internet banking.

Option 1: Using USSD

1. Dial *737# from your registered GTBank SIM.
2. Select 8 – Next Page, then 1 – Cardless Withdrawals.
3. Choose 1 – GTBank (GTBank ATM) or 2 – Other Bank ATM.
4. Enter the amount and your preselected 4-digit PIN.
5. Receive a Reference Code via SMS.

Option 2: Using GTBank Mobile App

1. Log in to the GTBank App.
2. Select Cardless Withdrawal.
3. Choose Cash Out (GTBank ATM) or Cash Out (All ATMs & POS).
4. Enter the amount and your token/PIN.
5. Receive a Reference Code via SMS.

Option 3: Using GTBank Internet Banking

1. Log in to GTBank Internet Banking.
2. Select Account Transfers → Cardless Withdrawal / Paycode.
3. Fill in the required form, including account, amount, and terminal type.
4. Enter the Token Code sent to you.
5. Receive the Reference Code via SMS.

Step 4: Withdraw Cash at the ATM with no ATM needed

1. Go to any cardless-enabled ATM.
2. Select Cardless Withdrawal or Paycode.
3. Enter the Reference Code, PIN, and amount.
4. Collect your cash.

Notes

• Use the registered SIM and preselected PIN.
• Reference Codes are one-time-use and time-limited.

9. Heritage Bank Cardless ATM Withdrawal – Step by Step

Step 1: Generate Paycode

1. Dial from your registered Heritage Bank SIM: *322*030*8*Amount# Example: ₦15,000 → *322*030*8*15000#
2. Follow prompts and create a Cashout PIN.
3. Receive a Paycode via SMS.

Step 2: Withdraw Cash

1. Go to any Heritage Bank cardless ATM.
2. Select Paycode Cashout.
3. Enter the Paycode, Cashout PIN, and amount.
4. Collect your cash.

Notes

• Use your registered SIM.
• Keep the Paycode and PIN secure.
• Complete withdrawal before the Paycode expires.

10. Polaris Bank Cardless ATM Withdrawal – Step by Step

Step 1: Generate Paycode

1. Enable Polaris Bank mobile banking on your registered SIM.
2. Dial: *322*8*Amount# Example: ₦10,000 → 3228*10000#
3. Follow prompts to generate a 12-digit Paycode and a one-time 4-digit PIN.

Step 2: Withdraw Cash

1. Go to any cardless-enabled ATM.
2. Press Enter and select Paycode.
3. Enter the 12-digit Paycode, one-time PIN, and amount.
4. Confirm and collect your cash.

Notes

• Use your registered SIM.
• Keep the Paycode and PIN secure.
• Some ATMs may also ask for your ATM PIN to complete the transaction.

11. Standard Chartered Bank Cardless Withdrawal – Step by Step

Step 1: Set Up Cardless Payment

1. Download the SC Mobile app from Play Store or Apple Store.
2. Log in with your Username and Password, or Sign Up if you don’t have an account.
3. Select QR Pay from the menu.
4. Choose the account you want to use and set a 4-digit PIN.
5. Confirm the OTP sent to your phone.

Step 2: Withdraw or Pay

1. Visit any merchant or online store that accepts QR payment.
2. Allow the app to access your camera and scan the provided barcode.
3. Confirm the transaction and pay or withdraw up to ₦2,000,000 daily.

Notes

• Transactions via SC Mobile are free of charge.
• Keep your PIN and OTP secure.

12. Sterling Bank Cardless ATM Withdrawal – Step by Step

Step 1: Generate Paycode

1. Dial *822*42# from your registered Sterling Bank SIM.
2. Follow the prompts to create a one-time PIN (OTP).
3. Enter your transaction PIN to receive a Reference Code via SMS.

Step 2: Withdraw Cash

1. Go to any Sterling Bank cardless-enabled ATM.
2. Select Cardless Withdrawal.
3. Enter the Reference Code, OTP, and amount.
4. Confirm and collect your cash.

13. Union Bank Cardless ATM Withdrawal – Step by Step

Step 1: Generate Paycode

1. Dial *826# from your registered Union Bank SIM.
2. Follow the prompts to generate a Paycode.

Step 2: Withdraw Cash

1. Go to any Union Bank or cardless-enabled ATM.
2. Select Paycode or Cardless Withdrawal.
3. Enter the Paycode, amount, and any required OTP.
4. Confirm and collect your cash.

14. UBA Cardless ATM Withdrawal – Step by Step

Step 1: Generate Paycode

1. Dial *919# from your registered UBA SIM.
2. Select Cardless (PayCode) from the menu.
3. Enter your Magic Banking PIN, choose your account, and input the amount.
4. Create a one-time 4-digit cashout PIN.
5. Receive a Paycode via SMS.

Step 2: Withdraw Cash

1. Go to any UBA or cardless-enabled ATM.
2. Select Cardless Withdrawal / Paycode.
3. Enter the Paycode, cashout PIN, and amount.
4. Confirm and collect your cash.

Follow these steps to conveniently set up and execute UBA cardless withdrawals using the USSD code.

15. Unity Bank Cardless ATM Withdrawal – Step by Step

Step 1: Generate Paycode

1. Dial *322*215*8*Amount# from your registered Unity Bank SIM.
   • Example: To withdraw ₦15,000, dial 322215815000#
2. Follow the prompts to create a Cashout PIN.
3. Receive an 8–14 digit Paycode via SMS.

Step 2: Withdraw Cash

1. Go to any Unity Bank cardless-enabled ATM.
2. Select Paycode Cashout.
3. Enter the Paycode, Cashout PIN, and amount.
4. Confirm and collect your cash.

16. Wema Bank Cardless ATM Withdrawal – Step by Step

Step 1: Generate Paycode

1. Dial *945*8*Amount# from your registered Wema Bank SIM.
   • Example: To withdraw ₦5,000, dial 9458*5000#
2. Follow prompts to create a Cashout PIN.
3. Receive a Reference Code (Cashout Code) via SMS.

Step 2: Withdraw Cash

1. Go to any Wema Bank cardless-enabled ATM.
2. Select Paycode / Cardless Withdrawal.
3. Enter the Reference Code, Cashout PIN, and amount.
4. Confirm and collect your cash.

17. Citibank Nigeria Cardless ATM Withdrawal – Step by Step

Citibank Nigeria allows you to withdraw cash without an ATM card, but this feature is only available through the Citibank Mobile Banking App. There is no USSD option for cardless withdrawals. Follow these steps for a smooth transaction.

Step 1: Initiate Cardless Withdrawal

1. Open the Citibank Mobile Banking App on your smartphone.
2. Log in with your registered credentials.
3. Navigate to the Cardless Withdrawal section.
4. Enter the amount you wish to withdraw.
5. Confirm the transaction. Citibank will generate a one-time (OTP) PIN.

This OTP is linked to your registered phone number and is valid for a limited period.

Step 2: Withdraw Cash at the ATM

1. Go to any Citibank ATM or other Citibank-approved ATM that supports cardless withdrawals.
2. Select the Cardless Withdrawal option on the ATM screen.
3. Enter the OTP PIN provided by the app.
4. Input the amount to withdraw and confirm.
5. Collect your cash once the ATM dispenses it.

18. Keystone Bank Cardless ATM Withdrawal – Step by Step

Step 1: Generate Paycode

1. Dial *7111# from your registered Keystone Bank SIM.
2. Select Cardless Withdrawal from the menu.
3. Enter your one-time PIN (OTP) and the amount.
4. Receive a Paycode via SMS.

Step 2: Withdraw Cash

1. Go to any Keystone Bank cardless-enabled ATM.
2. Select Paycode / Cardless Withdrawal.
3. Enter the Paycode and confirm the amount.
4. Collect your cash.

19. Stanbic IBTC Cardless ATM Withdrawal – Step by Step

Step 1: Set Up Your @ease Wallet

1. Dial *909# on your registered mobile number.
2. Select @ease wallet from the menu.
3. Follow the prompts to create your wallet account.
4. Fund your wallet via bank transfer or at any Stanbic IBTC partner agent location.

Step 2: Generate a Paycode for Withdrawal

1. Dial *909# again and select Withdraw Money.
2. Choose ATM as the withdrawal channel.
3. Enter the amount you wish to withdraw.
4. Create a 4-digit withdrawal PIN to authorize the transaction.
5. Receive an 8–12 digit Paycode via SMS.

Step 3: Withdraw Cash at the ATM

1. Visit any Stanbic IBTC cardless-enabled ATM.
2. Press ENTER to clear the screen.
3. Select Paycode Cashout or Quickteller Cashout.
4. Enter the Paycode received via SMS.
5. Input the withdrawal amount and confirm.
6. Enter your 4-digit withdrawal PIN to authorize.
7. Collect your cash.

ATM Charges Update (2025)

The Central Bank of Nigeria (CBN) revised ATM charges:

• On-Us ATM withdrawals (your bank’s ATM): Free
• Off-Site/Other Bank ATM withdrawals: ₦100 per ₦20,000 + up to ₦500 per ₦20,000 depending on ATM deployer
• International withdrawals: Banks can charge as per international acquirer fees

The previous N65 fee has been removed to enhance ATM efficiency.

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Final Thoughts

Cardless ATM withdrawal in Nigeria is a smart, convenient, and secure banking solution. With mobile banking apps and USSD codes, you can access cash without your ATM card, anytime, anywhere. Always remember to use your registered SIM, follow security prompts, and verify the latest bank procedures for smooth transactions.