{"id":157,"date":"2025-09-08T14:11:00","date_gmt":"2025-09-08T14:11:00","guid":{"rendered":"https:\/\/digiconceptng.com\/blog\/?p=157"},"modified":"2025-09-09T13:18:56","modified_gmt":"2025-09-09T13:18:56","slug":"run-cardless-atm-withdrawal","status":"publish","type":"post","link":"https:\/\/digiconceptng.com\/blog\/run-cardless-atm-withdrawal\/","title":{"rendered":"How to Run Cardless ATM Withdrawal in Nigeria for All Banks"},"content":{"rendered":"<div id=\"digic-3214891594\" class=\"digic-bedfore-post digic-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-4104817480020566\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-4104817480020566\" \ndata-ad-slot=\"\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>\n<p>Did you know you can <strong>withdraw money from an ATM without your ATM card<\/strong>? Yes, it\u2019s possible! This guide will teach you how to perform <strong>cardless ATM withdrawals<\/strong> in Nigeria using any major bank, including Access Bank, GTBank, First Bank, UBA, Wema Bank, and more.<\/p>\n\n\n\n<p>Cardless withdrawal is also called <strong>\u201cCash-on-the-Go\u201d (COTG)<\/strong>. It works via <strong>USSD codes<\/strong> or through your bank\u2019s mobile app. This feature is a <strong>safe and convenient way to access cash<\/strong>, reducing the risk of losing your ATM card or falling victim to card theft.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" data-src=\"https:\/\/digiconceptng.com\/blog\/wp-content\/uploads\/2021\/01\/cardless-withdrawal.jpg\" alt=\"cardless withdrawal\" class=\"wp-image-184 lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 720px; --smush-placeholder-aspect-ratio: 720\/378;\" \/><\/figure>\n<\/div>\n\n\n<p>Read Also: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/digiconceptng.com\/blog\/block-bank-card\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to block ATM card if lost or stolen<\/a><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/digiconceptng.com\/blog\/check-bvn\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to check BVN with USSD codes from your phone<\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What You Need for Cardless ATM Withdrawal<\/h2>\n\n\n\n<p>Before you start, ensure you have:<\/p><div id=\"digic-897961724\" class=\"digic-get-free-material digic-entity-placement\"><p>Get <a title=\"TikTok SEO Cheats\" href=\"https:\/\/digiconceptng.com\/blog\/download\/tiktok-seo-cheats\/\" target=\"_blank\"><strong>TikTok SEO Cheat<\/strong><\/a> here<\/p>\n<\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Your bank\u2019s instant banking code<\/strong> (e.g., GTBank: *737#, Access Bank: *945#).<\/li>\n\n\n\n<li><strong>The SIM card registered to your bank account<\/strong>.<\/li>\n\n\n\n<li><strong>A mobile phone<\/strong>.<\/li>\n\n\n\n<li><strong>A banking app<\/strong> (if your bank supports app-based cardless withdrawal).<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">How to Set Up Cardless ATM Withdrawal in Nigeria<\/h2>\n\n\n\n<p>You <strong>cannot withdraw money without an ATM card<\/strong> unless this feature is activated. Follow these steps:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Dial the Instant Banking Code<\/h3>\n\n\n\n<p>Use the registered SIM card to dial your bank\u2019s code. Using a different SIM will <strong>not work<\/strong>. For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Access Bank:<\/strong> *945#<\/li>\n\n\n\n<li><strong>GTBank:<\/strong> *737#<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. Select the Cardless Withdrawal Option<\/h3>\n\n\n\n<p>After dialing, look for <strong>\u201cCash-on-the-Go\u201d<\/strong> or <strong>\u201cCardless Withdrawal\u201d<\/strong> (names may differ). Enter the corresponding number and send.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Enter a One-Time PIN (OTP)<\/h3>\n\n\n\n<p>You\u2019ll be prompted to create a <strong>one-time cashout PIN<\/strong>. Note that this is <strong>different from your account PIN<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Enter Amount<\/h3>\n\n\n\n<p>Input the amount you want to withdraw. A <strong>reference code<\/strong> will be sent to your registered number via SMS.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Go to the ATM<\/h3>\n\n\n\n<p>Visit the nearest ATM with <strong>cardless withdrawal enabled<\/strong>, select the option, and follow the instructions using the reference code.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Things to Know About Cardless ATM Withdrawals in Nigeria<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banks set <strong>minimum and maximum withdrawal limits<\/strong>, usually between <strong>\u20a620,000 to \u20a640,000<\/strong>.<\/li>\n\n\n\n<li>Not all ATMs support cardless withdrawal. <strong>Prefer ATMs located in bank branches<\/strong>.<\/li>\n\n\n\n<li>Some banks allow withdrawals at <strong>other banks\u2019 ATMs<\/strong>, but check your bank\u2019s policy.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Cardless ATM Withdrawal Process by Banks (Updated 2025)<\/h2>\n\n\n\n<p>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<\/p>\n\n\n\n<p>Here is a list of all banks in Nigeria that you can easily perform the task from.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Note: It is advisable to use the Paycode from your bank as listed in this article for each bank.<\/p>\n<\/blockquote>\n\n\n\n<p>Read Also: <a href=\"https:\/\/digiconceptng.com\/blog\/ussd-code-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">USSD codes for loans in Nigeria<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. ACCESS BANK CARDLESS WITHDRAWAL<\/strong><\/h3>\n\n\n\n<p>The Bank&#8217;s <em>ATMs<\/em> are also equipped with <em>cardless<\/em> functionality that makes it easier for non-bank customers to deposit or <em>withdraw<\/em> money from the <em>ATMs<\/em> without a Debit card.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">How to perform cardless atm withdrawal with Access Bank<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Dial: *903#<\/li>\n\n\n\n<li>Select <strong>Withdraw Money \u2192 ATM Withdrawal<\/strong><\/li>\n\n\n\n<li>Enter <strong>amount and 4-digit PIN<\/strong><\/li>\n\n\n\n<li>Receive <strong>reference code<\/strong> via SMS<\/li>\n\n\n\n<li>Visit ATM, select <strong>Cardless Withdrawal<\/strong>, enter <strong>phone number, reference code, and amount<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.&nbsp;ALAT by Wema Bank Cardless Withdrawal<\/strong><\/h3>\n\n\n\n<p><strong>Step 1: Generate Your Paycode<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Open the <strong>ALAT app<\/strong> on your phone.<\/li>\n\n\n\n<li>Navigate to the <strong>\u201cSend Money\u201d<\/strong> option in the menu.<\/li>\n\n\n\n<li>Select <strong>\u201cATM Cardless Transfer\u201d<\/strong> from the available options.<\/li>\n\n\n\n<li>Enter the <strong>recipient details<\/strong> (if sending to yourself, use your account info).<\/li>\n\n\n\n<li>Confirm the transfer using your <strong>ALAT PIN<\/strong>.<\/li>\n\n\n\n<li>A <strong>paycode<\/strong> will be generated and sent to your <strong>email and\/or phone number<\/strong>.<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>The paycode acts as your one-time reference for cardless withdrawal and is valid for a limited time.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Step 2: Withdraw Cash at the ATM<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit any <strong>cardless-enabled or paycode-enabled ATM<\/strong>.<\/li>\n\n\n\n<li>Press <strong>ENTER<\/strong> to clear the ATM screen.<\/li>\n\n\n\n<li>Select <strong>\u201cCashOut Paycode\u201d<\/strong> from the menu.<\/li>\n\n\n\n<li>Enter the <strong>reference number<\/strong> and <strong>cashout PIN<\/strong> provided by the ALAT app.<\/li>\n\n\n\n<li>Input the <strong>amount<\/strong> you wish to withdraw.<\/li>\n\n\n\n<li>Confirm the transaction and collect your cash.<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>You\u2019ve successfully withdrawn money <strong>without your ATM card<\/strong>!<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">3. Zenith Bank Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p><strong>Step 1: Generate Paycode<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Dial <strong>*966*60#<\/strong> from your <strong>registered Zenith Bank SIM<\/strong>.<\/li>\n\n\n\n<li>Follow the prompts to create a <strong>one-time PIN (OTP)<\/strong>.<\/li>\n\n\n\n<li>Receive a <strong>Reference Code<\/strong> via SMS.<\/li>\n<\/ol>\n\n\n\n<p><strong>Step 2: Withdraw Cash<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to any <strong>Zenith Bank cardless-enabled ATM<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Cardless Withdrawal \/ Paycode<\/strong>.<\/li>\n\n\n\n<li>Enter the <strong>Reference Code<\/strong>, <strong>OTP<\/strong>, and <strong>amount<\/strong>.<\/li>\n\n\n\n<li>Confirm and collect your cash.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">4. Fidelity Bank Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p>Fidelity Bank offers a <strong>cardless ATM withdrawal feature<\/strong> that allows you to withdraw cash <strong>without using your ATM card<\/strong>. You can access this service via <strong>USSD code<\/strong> linked to your registered mobile number.<\/p>\n\n\n\n<p><strong>Step 1: Initiate Cardless Withdrawal<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Using the <strong>registered SIM card<\/strong> linked to your Fidelity Bank account, dial: <code>*770*8*Amount#<\/code>\n<ul class=\"wp-block-list\">\n<li>Example: To withdraw \u20a610,000, dial <em>770<\/em>8*10000#<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Follow the <strong>on-screen prompts<\/strong>.<\/li>\n\n\n\n<li>Create a <strong>one-time PIN (OTP)<\/strong> for the transaction.<\/li>\n\n\n\n<li>Fidelity Bank will send you a <strong>Paycode<\/strong> via SMS to your registered number.<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>The Paycode acts as a one-time reference to complete your cardless withdrawal.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Step 2: Withdraw Cash at the ATM<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit the nearest <strong>Fidelity Bank ATM<\/strong> or <strong>any cardless-enabled ATM<\/strong>.<\/li>\n\n\n\n<li>Select the <strong>Cardless Withdrawal<\/strong> option on the ATM screen.<\/li>\n\n\n\n<li>Enter the <strong>Paycode<\/strong> received via SMS.<\/li>\n\n\n\n<li>Enter your <strong>4-digit banking PIN<\/strong> to verify the transaction.<\/li>\n\n\n\n<li>Enter the <strong>amount<\/strong> you wish to withdraw.<\/li>\n\n\n\n<li>Confirm the transaction and collect your cash.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">5. Ecobank Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p>Ecobank Nigeria allows you to <strong>withdraw cash without an ATM card<\/strong> using the <strong>Ecobank Mobile Banking App<\/strong>. Unlike some other banks, Ecobank does not support USSD cardless withdrawals, so you must use the app.<\/p>\n\n\n\n<p><strong>Step 1: Set Up Cardless Withdrawal<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Download the Ecobank Mobile Banking App<\/strong> from Google Play Store or Apple App Store (if you haven\u2019t already).<\/li>\n\n\n\n<li><strong>Register<\/strong> or log in using your <strong>registered account details<\/strong>.<\/li>\n\n\n\n<li>From the main menu, select <strong>\u201cXpressCash\u201d<\/strong>.<\/li>\n\n\n\n<li>Choose <strong>\u201cATM\u201d<\/strong> when prompted to select between <strong>XpressCash Agent<\/strong> and <strong>ATM<\/strong>.<\/li>\n\n\n\n<li>Select the <strong>account<\/strong> you wish to withdraw from.<\/li>\n\n\n\n<li>An <strong>8-digit electronic token (E-token)<\/strong> will be generated.<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>The E-token is valid for <strong>3 days only<\/strong>, so ensure you complete your withdrawal within this period.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Step 2: Withdraw Cash at the ATM<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit any <strong>Ecobank ATM<\/strong>.<\/li>\n\n\n\n<li>Select the <strong>\u201cXpressCash\u201d<\/strong> option on the ATM screen.<\/li>\n\n\n\n<li>Enter the <strong>8-digit E-token<\/strong> generated by the app.<\/li>\n\n\n\n<li>Input the <strong>amount<\/strong> of money you want to withdraw.<\/li>\n\n\n\n<li>Confirm the transaction and <strong>collect your cash<\/strong>.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">6. First Bank Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p>First Bank of Nigeria allows you to withdraw cash <strong>without your ATM card<\/strong> using either <strong>USSD codes<\/strong> linked to your registered mobile number. Follow these simple steps to complete your transaction safely and efficiently.<\/p>\n\n\n\n<p><strong>Step 1: Initiate Cardless Withdrawal<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Using the <strong>registered SIM card<\/strong>, dial: <code>*848*Amount#<\/code>\n<ul class=\"wp-block-list\">\n<li>Example: To withdraw \u20a610,000, dial *<em>848<\/em>*10000#<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Follow the <strong>on-screen prompts<\/strong> to enter any required details.<\/li>\n\n\n\n<li>Enter your <strong>account PIN<\/strong>.<\/li>\n\n\n\n<li>Generate a <strong>one-time 4-digit PIN (OTP)<\/strong> and select <strong>Send<\/strong>.<\/li>\n\n\n\n<li>First Bank will send a <strong>Paycode<\/strong> to your <strong>registered SIM via SMS<\/strong> (you may also check your email for the PIN).<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>The Paycode and OTP are <strong>one-time codes<\/strong> used to complete your cardless withdrawal securely.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Step 2: Withdraw Cash at the ATM<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to any <strong>First Bank ATM<\/strong>.<\/li>\n\n\n\n<li>Select the <strong>Cardless Withdrawal<\/strong> option on the ATM screen.<\/li>\n\n\n\n<li>Enter your <strong>bank PIN<\/strong> to verify your account.<\/li>\n\n\n\n<li>Enter the <strong>4-digit OTP<\/strong> received from First Bank.<\/li>\n\n\n\n<li>Enter the <strong>amount<\/strong> you wish to withdraw.<\/li>\n\n\n\n<li>Enter your <strong>phone number<\/strong> linked to the account.<\/li>\n\n\n\n<li>Confirm the transaction and <strong>collect your cash<\/strong>.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">7. FCMB Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p><strong>Step 1: Generate Your Paycode<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Log in to <strong>FCMB Online<\/strong> or the <strong>FCMB Mobile App<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Cardless Cash<\/strong> and choose <strong>Cardless<\/strong>.<\/li>\n\n\n\n<li>Enter the required details: recipient name (if sending to someone else), amount, and account info.<\/li>\n\n\n\n<li>Click <strong>Generate Paycode Token<\/strong> to receive an <strong>8\u201314 digit withdrawal code<\/strong> and a <strong>4-digit Cash-Out PIN<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p><strong>Step 2: Withdraw Cash at the ATM<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to any <strong>FCMB cardless-enabled ATM<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Paycode Cashout<\/strong>.<\/li>\n\n\n\n<li>Enter the <strong>withdrawal code<\/strong> and <strong>4-digit Cash-Out PIN<\/strong>.<\/li>\n\n\n\n<li>Input the <strong>amount<\/strong> and confirm.<\/li>\n\n\n\n<li>Collect your cash.<\/li>\n<\/ol>\n\n\n\n<p>Notes<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Maximum withdrawal per transaction: <strong>\u20a620,000<\/strong><\/li>\n\n\n\n<li>Transaction fee: <strong>\u20a6100<\/strong><\/li>\n\n\n\n<li>Paycode must be used <strong>before expiration<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">8. GTBank Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p>GTBank offers multiple ways to withdraw cash without an ATM card via <strong>USSD, mobile app, or internet banking<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Option 1: Using USSD<\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Dial <strong>*737#<\/strong> from your <strong>registered GTBank SIM<\/strong>.<\/li>\n\n\n\n<li>Select <strong>8 \u2013 Next Page<\/strong>, then <strong>1 \u2013 Cardless Withdrawals<\/strong>.<\/li>\n\n\n\n<li>Choose <strong>1 \u2013 GTBank<\/strong> (GTBank ATM) or <strong>2 \u2013 Other Bank ATM<\/strong>.<\/li>\n\n\n\n<li>Enter the <strong>amount<\/strong> and your <strong>preselected 4-digit PIN<\/strong>.<\/li>\n\n\n\n<li>Receive a <strong>Reference Code<\/strong> via SMS.<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\">Option 2: Using GTBank Mobile App<\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Log in to the <strong>GTBank App<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Cardless Withdrawal<\/strong>.<\/li>\n\n\n\n<li>Choose <strong>Cash Out (GTBank ATM)<\/strong> or <strong>Cash Out (All ATMs &amp; POS)<\/strong>.<\/li>\n\n\n\n<li>Enter the <strong>amount<\/strong> and your <strong>token\/PIN<\/strong>.<\/li>\n\n\n\n<li>Receive a <strong>Reference Code<\/strong> via SMS.<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\">Option 3: Using GTBank Internet Banking<\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Log in to <strong>GTBank Internet Banking<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Account Transfers \u2192 Cardless Withdrawal \/ Paycode<\/strong>.<\/li>\n\n\n\n<li>Fill in the required form, including account, amount, and terminal type.<\/li>\n\n\n\n<li>Enter the <strong>Token Code<\/strong> sent to you.<\/li>\n\n\n\n<li>Receive the <strong>Reference Code<\/strong> via SMS.<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\">Step 4: Withdraw Cash at the ATM with no ATM needed<\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to any <strong>cardless-enabled ATM<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Cardless Withdrawal<\/strong> or <strong>Paycode<\/strong>.<\/li>\n\n\n\n<li>Enter the <strong>Reference Code<\/strong>, <strong>PIN<\/strong>, and <strong>amount<\/strong>.<\/li>\n\n\n\n<li>Collect your cash.<\/li>\n<\/ol>\n\n\n\n<p>Notes<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use the <strong>registered SIM<\/strong> and <strong>preselected PIN<\/strong>.<\/li>\n\n\n\n<li>Reference Codes are <strong>one-time-use<\/strong> and <strong>time-limited<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">9. Heritage Bank Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p><strong>Step 1: Generate Paycode<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Dial from your <strong>registered Heritage Bank SIM<\/strong>: <code>*322*030*8*Amount#<\/code> Example: \u20a615,000 \u2192 *<em>322<\/em>*030*<em>8*<\/em>15000#<\/li>\n\n\n\n<li>Follow prompts and create a <strong>Cashout PIN<\/strong>.<\/li>\n\n\n\n<li>Receive a <strong>Paycode<\/strong> via SMS.<\/li>\n<\/ol>\n\n\n\n<p><strong>Step 2: Withdraw Cash<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to any <strong>Heritage Bank cardless ATM<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Paycode Cashout<\/strong>.<\/li>\n\n\n\n<li>Enter the <strong>Paycode<\/strong>, <strong>Cashout PIN<\/strong>, and <strong>amount<\/strong>.<\/li>\n\n\n\n<li>Collect your cash.<\/li>\n<\/ol>\n\n\n\n<p>Notes<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use your <strong>registered SIM<\/strong>.<\/li>\n\n\n\n<li>Keep the <strong>Paycode and PIN secure<\/strong>.<\/li>\n\n\n\n<li>Complete withdrawal before the Paycode expires.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">10. Polaris Bank Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p><strong>Step 1: Generate Paycode<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Enable <strong>Polaris Bank mobile banking<\/strong> on your registered SIM.<\/li>\n\n\n\n<li>Dial: <code>*322*8*Amount#<\/code> Example: \u20a610,000 \u2192 <em>322<\/em>8*10000#<\/li>\n\n\n\n<li>Follow prompts to generate a <strong>12-digit Paycode<\/strong> and a <strong>one-time 4-digit PIN<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p><strong>Step 2: Withdraw Cash<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to any <strong>cardless-enabled ATM<\/strong>.<\/li>\n\n\n\n<li>Press <strong>Enter<\/strong> and select <strong>Paycode<\/strong>.<\/li>\n\n\n\n<li>Enter the <strong>12-digit Paycode<\/strong>, <strong>one-time PIN<\/strong>, and <strong>amount<\/strong>.<\/li>\n\n\n\n<li>Confirm and collect your cash.<\/li>\n<\/ol>\n\n\n\n<p><strong>Notes<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use your <strong>registered SIM<\/strong>.<\/li>\n\n\n\n<li>Keep the <strong>Paycode and PIN secure<\/strong>.<\/li>\n\n\n\n<li>Some ATMs may also ask for your <strong>ATM PIN<\/strong> to complete the transaction.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">11. Standard Chartered Bank Cardless Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p><strong>Step 1: Set Up Cardless Payment<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Download the <strong>SC Mobile app<\/strong> from Play Store or Apple Store.<\/li>\n\n\n\n<li>Log in with your <strong>Username and Password<\/strong>, or <strong>Sign Up<\/strong> if you don\u2019t have an account.<\/li>\n\n\n\n<li>Select <strong>QR Pay<\/strong> from the menu.<\/li>\n\n\n\n<li>Choose the account you want to use and set a <strong>4-digit PIN<\/strong>.<\/li>\n\n\n\n<li>Confirm the <strong>OTP<\/strong> sent to your phone.<\/li>\n<\/ol>\n\n\n\n<p><strong>Step 2: Withdraw or Pay<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit any <strong>merchant or online store<\/strong> that accepts QR payment.<\/li>\n\n\n\n<li>Allow the app to access your camera and <strong>scan the provided barcode<\/strong>.<\/li>\n\n\n\n<li>Confirm the transaction and pay or withdraw up to <strong>\u20a62,000,000 daily<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p><strong>Notes<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Transactions via SC Mobile are <strong>free of charge<\/strong>.<\/li>\n\n\n\n<li>Keep your <strong>PIN and OTP secure<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">12. Sterling Bank Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p><strong>Step 1: Generate Paycode<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Dial <strong>*822*42#<\/strong> from your <strong>registered Sterling Bank SIM<\/strong>.<\/li>\n\n\n\n<li>Follow the prompts to create a <strong>one-time PIN (OTP)<\/strong>.<\/li>\n\n\n\n<li>Enter your <strong>transaction PIN<\/strong> to receive a <strong>Reference Code<\/strong> via SMS.<\/li>\n<\/ol>\n\n\n\n<p><strong>Step 2: Withdraw Cash<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to any <strong>Sterling Bank cardless-enabled ATM<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Cardless Withdrawal<\/strong>.<\/li>\n\n\n\n<li>Enter the <strong>Reference Code<\/strong>, <strong>OTP<\/strong>, and <strong>amount<\/strong>.<\/li>\n\n\n\n<li>Confirm and collect your cash.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">13. Union Bank Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p><strong>Step 1: Generate Paycode<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Dial <strong>*826#<\/strong> from your <strong>registered Union Bank SIM<\/strong>.<\/li>\n\n\n\n<li>Follow the prompts to generate a <strong>Paycode<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p><strong>Step 2: Withdraw Cash<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to any <strong>Union Bank or cardless-enabled ATM<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Paycode<\/strong> or <strong>Cardless Withdrawal<\/strong>.<\/li>\n\n\n\n<li>Enter the <strong>Paycode<\/strong>, <strong>amount<\/strong>, and any required OTP.<\/li>\n\n\n\n<li>Confirm and collect your cash.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">14. UBA Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p><strong>Step 1: Generate Paycode<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Dial <strong>*919#<\/strong> from your <strong>registered UBA SIM<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Cardless (PayCode)<\/strong> from the menu.<\/li>\n\n\n\n<li>Enter your <strong>Magic Banking PIN<\/strong>, choose your account, and input the <strong>amount<\/strong>.<\/li>\n\n\n\n<li>Create a <strong>one-time 4-digit cashout PIN<\/strong>.<\/li>\n\n\n\n<li>Receive a <strong>Paycode<\/strong> via SMS.<\/li>\n<\/ol>\n\n\n\n<p><strong>Step 2: Withdraw Cash<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to any <strong>UBA or cardless-enabled ATM<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Cardless Withdrawal \/ Paycode<\/strong>.<\/li>\n\n\n\n<li>Enter the <strong>Paycode<\/strong>, <strong>cashout PIN<\/strong>, and <strong>amount<\/strong>.<\/li>\n\n\n\n<li>Confirm and collect your cash.<\/li>\n<\/ol>\n\n\n\n<p>Follow these steps to conveniently set up and execute UBA cardless withdrawals using the USSD code.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">15. Unity Bank Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p><strong>Step 1: Generate Paycode<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Dial <strong>*322*215*8*Amount#<\/strong> from your <strong>registered Unity Bank SIM<\/strong>.\n<ul class=\"wp-block-list\">\n<li>Example: To withdraw \u20a615,000, dial <em>322<\/em>215<em>8<\/em>15000#<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Follow the prompts to create a <strong>Cashout PIN<\/strong>.<\/li>\n\n\n\n<li>Receive an <strong>8\u201314 digit Paycode<\/strong> via SMS.<\/li>\n<\/ol>\n\n\n\n<p><strong>Step 2: Withdraw Cash<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to any <strong>Unity Bank cardless-enabled ATM<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Paycode Cashout<\/strong>.<\/li>\n\n\n\n<li>Enter the <strong>Paycode<\/strong>, <strong>Cashout PIN<\/strong>, and <strong>amount<\/strong>.<\/li>\n\n\n\n<li>Confirm and collect your cash.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">16. Wema Bank Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p><strong>Step 1: Generate Paycode<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Dial <strong>*945*8*Amount#<\/strong> from your <strong>registered Wema Bank SIM<\/strong>.\n<ul class=\"wp-block-list\">\n<li>Example: To withdraw \u20a65,000, dial <em>945<\/em>8*5000#<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Follow prompts to create a <strong>Cashout PIN<\/strong>.<\/li>\n\n\n\n<li>Receive a <strong>Reference Code (Cashout Code)<\/strong> via SMS.<\/li>\n<\/ol>\n\n\n\n<p><strong>Step 2: Withdraw Cash<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to any <strong>Wema Bank cardless-enabled ATM<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Paycode \/ Cardless Withdrawal<\/strong>.<\/li>\n\n\n\n<li>Enter the <strong>Reference Code<\/strong>, <strong>Cashout PIN<\/strong>, and <strong>amount<\/strong>.<\/li>\n\n\n\n<li>Confirm and collect your cash.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">17. Citibank Nigeria Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p>Citibank Nigeria allows you to withdraw cash <strong>without an ATM card<\/strong>, but this feature is <strong>only available through the Citibank Mobile Banking App<\/strong>. There is no USSD option for cardless withdrawals. Follow these steps for a smooth transaction.<\/p>\n\n\n\n<p><strong>Step 1: Initiate Cardless Withdrawal<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Open the <strong>Citibank Mobile Banking App<\/strong> on your smartphone.<\/li>\n\n\n\n<li>Log in with your <strong>registered credentials<\/strong>.<\/li>\n\n\n\n<li>Navigate to the <strong>Cardless Withdrawal<\/strong> section.<\/li>\n\n\n\n<li>Enter the <strong>amount<\/strong> you wish to withdraw.<\/li>\n\n\n\n<li>Confirm the transaction. Citibank will generate a <strong>one-time (OTP) PIN<\/strong>.<\/li>\n<\/ol>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>This OTP is linked to your registered phone number and is <strong>valid for a limited period<\/strong>.<\/p>\n<\/blockquote>\n\n\n\n<p><strong>Step 2: Withdraw Cash at the ATM<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to any <strong>Citibank ATM or other Citibank-approved ATM<\/strong> that supports cardless withdrawals.<\/li>\n\n\n\n<li>Select the <strong>Cardless Withdrawal<\/strong> option on the ATM screen.<\/li>\n\n\n\n<li>Enter the <strong>OTP PIN<\/strong> provided by the app.<\/li>\n\n\n\n<li>Input the <strong>amount<\/strong> to withdraw and confirm.<\/li>\n\n\n\n<li>Collect your cash once the ATM dispenses it.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">18. Keystone Bank Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p><strong>Step 1: Generate Paycode<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Dial <strong>*7111#<\/strong> from your <strong>registered Keystone Bank SIM<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Cardless Withdrawal<\/strong> from the menu.<\/li>\n\n\n\n<li>Enter your <strong>one-time PIN (OTP)<\/strong> and the <strong>amount<\/strong>.<\/li>\n\n\n\n<li>Receive a <strong>Paycode<\/strong> via SMS.<\/li>\n<\/ol>\n\n\n\n<p><strong>Step 2: Withdraw Cash<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to any <strong>Keystone Bank cardless-enabled ATM<\/strong>.<\/li>\n\n\n\n<li>Select <strong>Paycode \/ Cardless Withdrawal<\/strong>.<\/li>\n\n\n\n<li>Enter the <strong>Paycode<\/strong> and confirm the <strong>amount<\/strong>.<\/li>\n\n\n\n<li>Collect your cash.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">19. Stanbic IBTC Cardless ATM Withdrawal \u2013 Step by Step<\/h3>\n\n\n\n<p><strong>Step 1: Set Up Your @ease Wallet<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Dial <code>*909#<\/code><\/strong> on your registered mobile number.<\/li>\n\n\n\n<li><strong>Select <code>@ease wallet<\/code><\/strong> from the menu.<\/li>\n\n\n\n<li><strong>Follow the prompts<\/strong> to create your wallet account.<\/li>\n\n\n\n<li><strong>Fund your wallet<\/strong> via bank transfer or at any Stanbic IBTC partner agent location.<\/li>\n<\/ol>\n\n\n\n<p><strong>Step 2: Generate a Paycode for Withdrawal<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Dial <code>*909#<\/code><\/strong> again and select <strong><code>Withdraw Money<\/code><\/strong>.<\/li>\n\n\n\n<li><strong>Choose <code>ATM<\/code><\/strong> as the withdrawal channel.<\/li>\n\n\n\n<li><strong>Enter the amount<\/strong> you wish to withdraw.<\/li>\n\n\n\n<li><strong>Create a 4-digit withdrawal PIN<\/strong> to authorize the transaction.<\/li>\n\n\n\n<li><strong>Receive an 8\u201312 digit Paycode<\/strong> via SMS.<\/li>\n<\/ol>\n\n\n\n<p><strong>Step 3: Withdraw Cash at the ATM<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Visit any Stanbic IBTC cardless-enabled ATM<\/strong>.<\/li>\n\n\n\n<li><strong>Press <code>ENTER<\/code><\/strong> to clear the screen.<\/li>\n\n\n\n<li><strong>Select <code>Paycode Cashout<\/code><\/strong> or <strong><code>Quickteller Cashout<\/code><\/strong>.<\/li>\n\n\n\n<li><strong>Enter the Paycode<\/strong> received via SMS.<\/li>\n\n\n\n<li><strong>Input the withdrawal amount<\/strong> and confirm.<\/li>\n\n\n\n<li><strong>Enter your 4-digit withdrawal PIN<\/strong> to authorize.<\/li>\n\n\n\n<li><strong>Collect your cash<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">ATM Charges Update (2025)<\/h2>\n\n\n\n<p>The <strong>Central Bank of Nigeria (CBN)<\/strong> revised ATM charges:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>On-Us ATM withdrawals (your bank\u2019s ATM): Free<\/strong><\/li>\n\n\n\n<li><strong>Off-Site\/Other Bank ATM withdrawals:<\/strong> \u20a6100 per \u20a620,000 + up to \u20a6500 per \u20a620,000 depending on ATM deployer<\/li>\n\n\n\n<li><strong>International withdrawals:<\/strong> Banks can charge as per international acquirer fees<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>The previous <strong>N65 fee has been removed<\/strong> to enhance ATM efficiency.<\/p>\n<\/blockquote>\n\n\n\n<p>Read also:<\/p><div id=\"digic-3047764328\" class=\"digic-content_2 digic-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-4104817480020566\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-4104817480020566\" \ndata-ad-slot=\"in post\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/digiconceptng.com\/blog\/instagram-business-page\/\">How to setup Instagram Business Page<\/a><\/strong><\/li>\n\n\n\n<li><a href=\"https:\/\/digiconceptng.com\/blog\/link-instagram-and-whatsapp-accounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to link WhatsApp to Instagram Business<\/a> <\/li>\n\n\n\n<li><a href=\"https:\/\/digiconceptng.com\/blog\/pay-facebook-ads-naira\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to pay for Facebook Ads in Naira<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/digiconceptng.com\/reasons-church-needs-website\/\" target=\"_blank\" rel=\"noreferrer noopener\">Why your church needs a website<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/digiconceptng.com\/6-important-digital-marketing-tips-for-startups\/\" target=\"_blank\" rel=\"noreferrer noopener\">6 digital marketing tips for small business<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Final Thoughts<\/h2>\n\n\n\n<p>Cardless ATM withdrawal in Nigeria is a <strong>smart, convenient, and secure banking solution<\/strong>. With mobile banking apps and USSD codes, you can access cash without your ATM card, anytime, anywhere. Always remember to use your <strong>registered SIM<\/strong>, follow security prompts, and verify the <strong>latest bank procedures<\/strong> for smooth transactions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Did you know you can withdraw money from an ATM without your ATM card? Yes, it\u2019s 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 \u201cCash-on-the-Go\u201d (COTG). It works via [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":184,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":{"0":"post-157","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-how-to"},"_links":{"self":[{"href":"https:\/\/digiconceptng.com\/blog\/wp-json\/wp\/v2\/posts\/157","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/digiconceptng.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/digiconceptng.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/digiconceptng.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/digiconceptng.com\/blog\/wp-json\/wp\/v2\/comments?post=157"}],"version-history":[{"count":1,"href":"https:\/\/digiconceptng.com\/blog\/wp-json\/wp\/v2\/posts\/157\/revisions"}],"predecessor-version":[{"id":5532,"href":"https:\/\/digiconceptng.com\/blog\/wp-json\/wp\/v2\/posts\/157\/revisions\/5532"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/digiconceptng.com\/blog\/wp-json\/wp\/v2\/media\/184"}],"wp:attachment":[{"href":"https:\/\/digiconceptng.com\/blog\/wp-json\/wp\/v2\/media?parent=157"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/digiconceptng.com\/blog\/wp-json\/wp\/v2\/categories?post=157"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/digiconceptng.com\/blog\/wp-json\/wp\/v2\/tags?post=157"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}