How To Withdraw Money From All The ATM in Nigeria Without Using Debit Card (Cashless)

How To Withdraw Money From The ATM Without Using A Card

On this Article, you will learn how to withdraw money from the ATM without using your ATM Card.
You could visit an ATM, just to find out you don't have your card with you; or you might need to withdraw money as a matter of urgency, but you just can’t find your card; or you might get caught in a situation where you really need cash.

The world is a global place and each new day draws us closer to more technological advancement. Gone are the days when if you lost your card you can’t withdraw money using the ATM until you apply and wait for weeks to get a new one from your bank.
Below are highlighted instruction from different banks and how you will go about it.

How to Use Access Bank Cardless Withdrawal Service

To use the Access Bank cardless withdrawal service, follow the below procedures:

1. Dial “*903#” from your registered mobile number.
2. Select Withdraw Money
3. Enter the amount you want to withdraw and validate the transaction with your PIN.
4. You will receive a transaction code via SMS. Keep it
5. Locate any Access Bank ATM.
6. Press “0” on the machine to perform a cardless withdrawal.
7. Select Access Money, input your phone number, amount initiated, the transaction code received and select Continue.
8. The ATM should dispense your cash.

How to Use‎ Fidelity Bank Cardless Withdrawal Service
‎From your registered mobile number, dial “*770*8*Amount#”.
Follow the on-screen prompts to create a one-time Pin (OTP).

On the next screen, input your Instant Banking PIN to confirm the transaction.

A Paycode is then generated directly from your Fidelity account and sent to your registered mobile number.

Locate any ATM Gallary
Press any key on the ATM and select PayCode Cashout or Dial4Cash.

Enter the 4 digits one-time PIN you created earlier.

Punch in the Paycode that you received on your mobile number.

Enter the amount – same as you entered at the beginning of this procedure – and receive your cash.

How to Use‎ Union Bank Cardless Withdrawal Service

1. From the mobile number registered with your account number, dial “*826#”.
2. Follow the on-screen prompts to generate a Paycode and PIN.
3. Proceed to any cardless-enabled ATM
4. Punch the Enter key on the machine and select Paycode
5. Follow the prompts to finalize your transaction.

Receive your cash.

How to Use‎ United Bank of Africa (UBA) Cardless Withdrawal Service

From the mobile number, you registered with, dial “*919*30*Amount#” and follow the on-screen prompts.

You should receive a cashout code sent to your mobile phone via SMS.

Locate any cardless-enabled ATM (most ATMs these days are).

Press any button on the machine.
Select “Paycode Cashout”.

If prompted to input your cashout code, enter the code you received on your phone via SMS.

Enter the amount you want to withdraw – same as you requested on your phone. Press OK.

Once your transaction is verified, the ATM should dispense cash.

How to Use‎ Guarantee Trust Bank (GTB) Cardless Withdrawal Service

1. From the mobile number you registered your account with, dial “*737*”.
2. Input “8” to select Next Page.
3. Input “1” to select Cardless Withdrawals.
4. Input “1” to select “GTBank” or “2” to select “Other Bank”.
5. If you chose “Other Bank”, enter Terminal as “1” or “2” to select “ATM” or “POS” respectively.
6. Input your desired amount to withdraw.
7. Enter a 4 digit code to set as your Cash-Out PIN
8. Enter your pre-selected 4 digits PIN to complete the request.
9. You should immediately receive a reference code via SMS
10. Withdrawing your money from any GTBank’s ATM
11. On any GTBank’s ATM, press the Enter
12. Select the “Cardless Withdrawal(GT-Rescue)” option.
13. On the next screen, punch in the Reference Code you received via SMS on your mobile phone and proceed.
14. Enter Amount – the same selected during your request on your phone.
15. Press the Enter button, the ATM should dispense your cash.

how to block a stolen Atm or debit card in guarantee trust gtbank
if you require urgent assistance for a lost/ stolen card and stopping unauthorized access to your account, use the options below:  +  Card Hotlist (Block): *737*51*10#  .

  Restrict your Naira accounts to stop unauthorized access/ debits: *737*51*74

Gow to withdraw cash without ATM card in FCMB bank

  Ever been in a situation where you urgently need cash and you don’t have your debit card with you? Or do you want to send money to someone who does not have a debit card?

Well, you can now pick up cash from any ATM in Nigeria without using your FCMB Debit card.

Simply login to FCMBOnline and follow these simple steps:
• Click on ‘Cardless Cash’ and select ‘Cardless’.

• Complete the information in the tabs then click ‘Generate Paycode Token’.
• Visit any ATM, push ‘Enter’ and select the ‘Paycode Cashout Option’.

• Insert the 8-14 digit withdrawal code received.
• Insert 4-digit Cash-Out PIN created.
• Insert the amount and submit.

It’s that simple!

You can also send the Withdrawal Code and Cash-Out PIN to your friends and family anywhere in Nigeria to get cash from any ATM.

How to Use‎ ALL Other Nigeria Bank Cardless Withdrawal Service

Press the Enter button on the ATM.

Select the PayCode

Input the PayCode number you received on your mobile phone.

Enter your pre-selected Cash-Out PIN Number. You set this during your request on your mobile phone.

Enter Amount – the same selected during your request on your phone.

Press Enter The ATM should dispenser your cash.
Be informed and inform others.
Please share! Below

How to block your pins and bank details when you lost your phone (for access bank only)