Apart from using the mobile app, you can also access the cash withdrawal process on ATM without your debit card in Nigeria
This post explains the usage of the cardless withdrawal services of major banks in Nigeria, namely Wema Bank, UBA, Union Bank, Fidelity Bank and Zenith Bank and others.
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 Then 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.
UNION Bank Cardless Withdrawal Service
Login to the Union Bank banking mobile App.
Generate the paycode using the mobile App.
Then move to any Union bank ATM or cardless enabled ATM with the generated code.
Complete the transaction at the ATM by entering the code and mobile number.
From the mobile number registered with your account number, dial “*826#”.
Follow the on-screen prompts to generate a Paycode and PIN.
Proceed to any cardless-enabled ATM.
Punch the Enter key on the machine and select Paycode
Follow the prompts to finalize your transaction.
Receive your cash.
Fidelity Bank Cardless Withdrawal Service
To use Fidelity Bank cardless withdrawal service, follow the below procedures:
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 machine closer to you
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.
Wema Bank Cardless Withdrawal Service
Wema Bank users will have to use the bank’s Cash-on-the-Go service to perform cardless withdrawals.
To use Wema Bank cardless withdrawal service, follow the below procedures:
From the mobile number associated with your account, dial “*945*8*Amount#”.
Follow the on-screen prompts to generate a transaction code.
Visit any Wema Bank ATM and withdraw your cash.
To use the Wema ALAT app to di card-less withdrawal, follow the steps below
Log into the ALAT app, click Send Money on the menu then click ATM Card-less Transfer.
Fill the field correctly and authenticate the transfer with your ALAT PIN. You will receive a paycode by email.
To withdraw your money, go to any cardless-enabled or paycode-enabled ATM and press ENTER to clear the ATM screen. Select CashOut Paycode, type the reference number and the cashout PIN. Then type the amount of money you have specified on the app to withdraw.
UBA Bank 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 nearest UBA branch and use the ATM.
On the ATM screen, select “Paycode Cashout”
Enter the amount then select OK.
Your transaction will be verified and your cash dispensed
Also Read: History and origin of Banking in Nigeria
ZENITH Bank Cardless Withdrawal Service
Simply dial *966*60# and select the option 7.
Follow the prompt then proceed to Zenith ATM.
Zenith bank mobile money users have the opportunity to withdraw money from ATM without the use of card. You will receive a 12-digit code and a 4-digit PIN. The customer can then proceed to withdraw safely and easily at all Quickteller supported ATMs nationwide.
For card-less ATM withdrawals with Zenith bank, you have to use Quickteller enabled ATM. All Zenith ATMs is Quickteller enabled, and the card-less withdrawal option is displayed under Quickteller cash out option.
First Bank Cardless Withdrawal
2.Fill in the required details and authenticate the transaction with your PIN.
3.You will be asked to generate a 4-digit one-time PIN, create the PIN then press send.
4.You will receive a paycode through SMS or email.
5.Go to the nearest First Bank Cardless enabled ATM
EcoBank Cardless withdrawal
Firstly, Download the Ecobank Mobile Banking App if you have not already done so, and
register for the service.
2. Log in to your account using your registered details.
3. Select Xpresscash in the list of services available.
4. You will be asked to choose between “Xpress Cash Agent” and “ATM”, choose
5.Enter your account you wish to make the withdrawal from.
6.An eight-digit electronic token will be generated.
7.Take this token to any Ecobank ATM to make your withdrawal. Please note that
this token is only valid for three days and expires thereafter.
8.At the ATM, select the Xpresscash option and you will be asked to supply the 8-
9.Enter the token, and then enter the amount of money you want to withdraw.
GTBank Cardless Wthdrawal.
1.Dial *737*3*AMOUNT# on your registered phone number.
2.You will receive a transaction code as a text.
3.Visit any GTBank ATM and press any button on the machine (without inserting your card)
4.Select ‘Cardless Withdrawal (GTRescue)
5.Enter the transaction code that was sent to you.
6.Enter your 737 pin or the last four digits of your card.
7. Complete the transaction and collect your cash.
Stanbic IBTC Cardless Withdrawal
1.Dial *909# then navigate to @ease wallet or download and install the ease wallet app on your device.
2. create an ease wallet with your phone number.
After successfully creating an ease wallet account number (which is your phone number without the first zero… For example, 8061110000), you can then proceed to fund your account.
3.To do a cardless withdrawal, simply select the option to generate a Paycode and proceed to the next step.
4.Go to the nearest Stanbic IBTC Cardless enabled ATM, follow the cardless withdrawal feature and authenticate a withdrawal using the Paycode from your ease wallet.