Union Bank Cardless Withdrawal – How To withdrawal Money from ATM Machine Without Debit Card

Last Updated on October 11, 2023 by admin

Union Bank Cardless service is designed for customers to Withdraw cash from any ATM or initiate and send funds to friends and family to withdraw from ATMs without a card using only Mobile Phone.

The service is seamless,secure and it drive by the generation of code{e-token} by account holder using ussd code or Mobile app. The token can be send to customers and non customers even people without bank account for cash withdrawal at any union bank ATM’s Machine Nationwide.

You can also read:How to apply for Union Bank Salary Payadvance loan

How to use Union Bank cardless withdrawal feature to get cash from the ATM.

The bank cardless service can be done either with ussd code or Mobile app.We are going guild you how to carry out the transaction without stress.


  • Dial *826*7*amount#
  • Input your PIN and submit
  • You will receive an SMS with the Pay code and a one time password

On the Mobile app

Download Union bank mobile app from Google playstore or   app store and register—here is how to register for union bank mobile app 

  • After login, click on Cardless withdrawal
  • Adjust the + sign to desired amount
  • Input PIN and click on generate token
  • You will receive an SMS with the Pay code and a one time password

Step 2 – Withdraw on the ATM

  • Tap any key on the ATM to enter Cardless mode
  • input pay code sent via SMS
  • Input OTP sent via SMS
  • Input amount and submit
  • ATM dispenses the cash

Also Read: How to buy Airtime from Union Bank :Recharge Code

For Other Bank’s ATM

1 Locate any Other Banks ATM
2 Press “Enter” button on the ATM
3 Select the “PayCode” option
4 Enter “PayCode number” received on your mobile phone
5 Enter pre-selected “Cash-Out PIN Number” selected on Internet Banking when initiating request
6 Enter “Amount” (This should be same selected when initiating request on Internet Banking, USSD, Mobile Banking)
7 Press “Enter “ button to proceed
8 Collect your Cash

You may also like:How to check Union Bank Nigeria account balance and Transfer Money

How do I block/unblock a debit card?

1.Login to UnionOnline
2.Continue to your account
3.Click on self service
4.Select block/unblock debit card
5.Select your account
6.Input your security word
7.Enter Token and complete your request

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