ATM & POS Cardless Withdrawal: GTBank, FCMB and UBA How to withdraw Money from any ATM without a card

Over the years Nigeria banking system has improved tremendously since the introduction of Magic banking{ USSD code} Mobile and internet banking.

With this depositors can now transfer money, pay bills and buy recharge card through their mobile phone, Atm and internet from their comfort zone.

Recently banks in Nigeria has also launched the ‘Cardless Cash Withdrawal’ facility from ATMs and POS With this service, depositors can now withdraw cash from ATMs and POS without a card. For instance, an account holder of UBA Bank can withdraw cash without their Debit card.

All they need is raising a request on the bank’s mobile banking app. ussd code request. This way a customer can withdraw cash without using a debit card at ATMs. You and your loved ones can withdraw cash from the ATM without a debit card.

In our today discussion we shall take a look on how to get cash from an ATM without a card which is know as Cardless withdrawal

Below are lists of banks In Nigeria that operate Cardless withdrawal

United Bank of Africa UBA
Guaranty Trust Bank GTB
Fidelity Bank
Access Bank
Eco Bank
First bank
Union Bank
Standard Chartered bank
First City Monument Bank FCMB
Polaris Bank
Heritage Bank
Zenith Bank
Stanbic IBTC Bank
Unity Bank
Sterling Bank
Wema Bank
Citi Bank

You can also read:How To Start POS Business In Nigeria

We shall discussed on United Bank Of Africa {UBA }, First City Monument Bank{ FCMB} and Guaranty Trust Bank{ GTB} ATM and POS Cardless withdrawal

United Bank Of Africa UBA Cardless withdrawa Process

United Bank of Africa offer two means of carrying out cardless withdrawal process they are: Magic code and Mobile app

Step 1 United Bank of Africa UBA Cardless withdrawal

TO Get cash from UBA ATM without a card. Simply dial *919*30*Amount# for a cash withdrawal code.

Step 2

Enter your 919 PIN
Select account to be debited
Create a one-time PIN for verification at the ATM
Your 0-14 digit withdrawal code will be sent via SMS

Step 3

How to make a cardless withdrawal at UBA ATM

Enter any key at ATM
Select Cardless Withdrawal feature
Enter the 0-14 digit withdrawal passcode
Enter your one-time PIN for verification
Enter amount to withdraw
Collect your cash

How to generate UBA code with Mobile App

Login with phone number & password or use face/fingerprint ID
Select Cardless Withdrawal feature
Enter Amount
Create a one-time PIN for verification at the ATM
Enter Mobile App PIN
Your 0-14 digit withdrawal code will be generated.

Read: How to check UBA Account Balance, Statement of account and Pay for Flight

How to withdraw from Guaranty Trust Bank{ GTB} without ATM card{cardless withdrawal}

Guaranty Trust Bank offer three more ways of withdrawing money from ATM without your card. the process are:USSD,Mobile banking and internet banking.

1.USSD

Dial *737#
 Input ”8” to select next page
 Input ”1” to select cardless
withdrawals
 Input ”1” or “2” to select either
“GTBank” or “Other Bank”
 If Option is “Other Bank”
then, enter “Terminal” as “1”
or “2” to select “ATM” or
“POS”
 Input ”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

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

Also Read: How to check Gtbank account balance and Create 737 PIN

2. How to withdraw form gtbank without your naira master card using Mobile Banking

Log on 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

Your reference code will sent to your mobile
phone via SMS and you can locate
the nearest ATM to make your
withdrawals.

3.How to withdraw form gtbank without your naira master card using internet Banking

Log on to internet banking with
your User ID and Password
 Click “Account Transfers”
 If you want to withdraw from a
GTBank’s ATM machine close
to you, click ”Cardless
withdrawal (GT-Rescue)”
 If you want to withdraw from
any Other bank ATM, click
”Paycode (Cardless
withdrawal)”
 Complete displayed form with
your “Names”, “Mobile
number”, “Account to debit”,
“Terminal type” and “Cash-out
amount” etc.
 Confirm details captured are
accurate and completed
 Enter “answer to secret
question”
 Enter “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 you

At 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

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.

First City Monument Bank FCMB: How TO WITHDRAW CASH FROM ANY ATM WITHOUT A CARD

First City Monument Bank FCMB offer cardless withdrwal should case you forget your card or you want your love one to get cash when you are not with them. let me walk you down on how to get that done.

How TO WITHDRAW CASH FROM FCMB from ANY ATM WITHOUT A CARD

This can be done with FCMBOnline and bio-metric using fingerprints on any of the selected FCMB ATMs

FCMBOnline

Llogin 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

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.

2. How to withdraw from FCMB BANK Using Biometric {Finger print}

Forgot your card at home? No worries. You can now withdraw cash on some of our ATMs with your fingerprint. It’s convenient, safe and secure.

How it works:

On the ATM, initiate the Cardless menu
Select fingerprint withdrawal
Input Account Number (NUBAN)

Place your right thumb on the Fingerprint scanner for 7 seconds and click proceed
Input amount to withdraw
Your fingerprint is verified and authorized for payment
You get paid

Cool, right? Visit https://fcmb.com/biometric-withdrawal to see a list of branches where this service is available.