Fidelity Bank, Access Bank & Ecobank Cardless: How to withdraw Money from ATM Without Your Card

If you have ever visit ATM Machine stand only to find out that you are not with your debit card to withdraw money or you travel for holiday and misplace your card

When you find yourself in this situation you can get cash without your ATM Card.—-With Cardless Cash, you can make withdrawals from any traditional Fidelity and other Bank ATM using your smartphone with the Bank app instead of your debit card

Since the introduction of mobile banking and internet baking as well USSD Magic code get cash and transferring money is so easy, convenience and simple from your comfort zone

Bank customers can send money to their loved ones who are not even banked. You can send money to your domestic servants or unbanked staff, family and friends just by generating a code and sharing the code

Also, people abroad who need to send money to their loved ones can do so without paying transfer charges using the Rapidtransfer app,”

You may also like:Union bank, Zenith Bank and firstbank Cardless withdrawal: How to withdraw money without ATM card

Today Shall be talking about Fidelity Bank, Access bank and Eco bank cardless withdrawal.This discussion will explain better on steps to carry out your cardless cash transaction.


It’s a quick alternative when you need cash, and you are without your debit card.

You can send details of transaction to a third party, without compromising your account or debit card details.

You can also collect cash on any Quickteller enabled terminal nationwide.

The entire transaction process takes approximately 10-20 seconds

Available 24 hours a day and 7 days a week


Fidelity Bank Cardless Withdrawal

Get Instant Cash From The ATM
Without Your Card via fidelity bank


Forgot your ATM at home? Yes you can still get cash with Cardless Withdrawal by dialing

Eg. With your registered phone, dial *770*8*10000# for a ₦5,000 cashless withdrawal from your phone, then follow the on-screen prompts. Create a one-time PIN (OTP) then enter your PIN to get a Paycode directly from your Fidelity account to withdraw cash.

At the ATM, enter your Paycode, PIN, and Amount to get your cash. No need for your card.

The steps are:

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.
enter your Paycode, PIN, that you received on your mobile number.
Enter the amount – same as you entered at the beginning of this procedure – and receive your cash

Please note: Fidelity bank allow Single transaction limit of N20,000.While Daily Limit is N100,000

This process Works with phone numbers registered with Fidelity Bank
Dependent on full network signal from telecom provider
Money is deducted directly from your Fidelity Bank account

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

Eco Bank cardless Withdrawal process

Eco bank Digital payments are fast evolving. Customers want seamless experience across channels. they are committed to providing suitable options for their customers. Forgetting your card at home should not be a showstopper when you need cash,” all you need is to make use cardless cash

Customers can perform this either with USSD Code or mobile/internet banking

How to Withdraw money from Eco bank without card via ussd code

Eco Bank account holder can generate code via the bank’s USSD code *326# or mobile app, Ecobank Mobile.

Choose your preferred option between “Xpress point agency or ATM”, select option eg ATM
Enter the account you wish to be withdrawn from.

An eight digit E-token will be generated for use on the ATM. Note that this token is valid for three days only

Go to any Ecobank ATM point to withdraw your cash

At the ATM point, select “Xpresscash” option at the ATM and enter the eight digit

generated E-token and the amount to withdraw.

Receive your cash

Withdraw money from Eco Bank via Mobile App

Log unto the mobile app and select ‘Xpresscash’
Follow the steps given above for ussd code WITHDRAWAL process

You can also read: Ecobank: How to check Account Balance and statement of account

Access Bank Cardless withdrawal

Access bank customers can withdraw money through their Agents and ATM/POS

How to withdraw money from Access Bank without ATM CARD via ATM


Dial *903# from your phone and select “Withdraw Money” option

Select “ATM Withdrawal” option.

Enter the Amount and validate the transaction with your PIN.

You will receive a transaction code for successful withdrawal.

Keep the code and visit any of our nearest ATM

Press ‘0’ to perform a cardless withdrawal.

Select Access Money and Input your Phone number, Amount Initiated, and the transaction code received and select continue.

Receive your cash from the ATM.

Withdraw through access bank Agents/POS


Visit any of our Access Money Agent nearest to you.

Dial *903# from your phone and select “Withdraw Money” option

Select “Agent Withdrawal” option.

Enter the Amount, Agent Code and validate the transaction with your PIN.

You will receive a notification via SMS that your transaction has been processed.

Receive the cash from the agent.




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