FCMB Cardless and POS withdrawal: How to withdraw cash from ATM machine and POS without Card

Are you financially trap and you need to withdrawal money from either POS or ATM machine but unfortunate you are not with your ATM debit card. No worries. You can now withdraw cash on some of First City Monument Bank ATMs with your fingerprint as well make use ussd code and online banking. It’s convenient. The process is safe, seamless, fast and secure.

Technology enhancement designed by First City Monument Bank now make it possible to carry out your POS transactions without physically touching the POS machine or even using your FCMB card.

In this post we are going to take a look at how to withdraw money from First City Monument Bank without your debit card using FCMBOnline, biometric withdrawal and USSD

Also read: FCMB Customer Care: Phone Number,Social Media and Email

Please note that there is a withdrawal charge of N100 per transaction and you cannot withdraw more than N20,000 at once.

How to withdraw money for First City Monument Bank without your ATM card using FCMBOnline banking


Imagine being stranded, without your debit card and desperately in need of cash? That could be a nightmare. In most case, you are expecting cash payment or you want to send money to someone who does not have a FCMB debit card this can be done without stress all you need to do is follow the steps below.

1. login to FCMBOnline and follow these simple steps:

2.Click on ‘Cardless Cash’ and select ‘Cardless’
3.Complete the information in the tabs then click ‘Generate Paycode Token’
4.Visit any ATM, push ‘Enter’ and select the ‘Paycode Cashout Option’
5.Insert the 8-14-digit withdrawal code received
6.Insert 4-digit Cash-Out PIN created
7.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.

READ: FCMB Transfer Code : How to transfer from FCMB to other banks account

Make POS transactions without FCMB  ATM debit Card


When you want to pay for goods or services, or you need to get cash from the POS operate unfortunately you weren’t with you card. don’t worry all you need do is the follow the steps below.

1. Cashier selects “Pay with USSD” on the POS
2.Cashier enters the amount on POS Terminal
3.A 4-digit Reference Code is generated and displayed on POS terminal
4.Dial *329*000*refcode# on your mobile phone and authenticate your transaction by 5.Entering your *329# transaction PIN
6.Transaction is approved and POS Terminal prints receipt.

How to withdraw money from FCMB without your ATM card using biometric withdrawal


Forgot your card at home? No worries. You can now withdraw cash on some of fcmb ATMs with your fingerprint. This is more secured and removes the need to carry your debit card around anymore.

You may also like: How To Buy Airtime Recharge Code From FCMB Bank Account

How it works

1.Go to the ATM and initiate the Cardless menu
2.Select fingerprint withdrawal option
3.Input Account Number (NUBAN)
4.Place your right thumb on the fingerprint scanner for 7secs and press “proceed.”
5.Input amount to withdraw
6.Withdraw your cash

Please note: this service is available is all states in Nigeria. To locate ATM Machine for this kind of transaction kindly copy and place this like on your browser to find the atm nearest to you. https://www.fcmb.com/biometric-withdrawal

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