Banking and Payment

How to Withdraw Money without ATM Card in Nigeria

Cardless Withdrawals In Nigeria Banks.

 

What is Cardless Withdrawal?

Cardless Withdrawal is a system/software that allow bank users to withdraw money from their bank account without the use of ATM Card. Many banks have introduced the ”Card Cash Withdrawal” facilities from ATMs.

The Nigerian banking system has embraced this innovation and several banks have released features that allow their customers to make use of this cardless withdrawal service using a Cardless ATM.

Today, in this article, I will be talking about Cardless Withdrawal and how to withdraw from ATM without card. Read to the end and make sure you join our telegram channel for immediate update after we published a post.

What Are Cardless ATMs?

 

How to do cardless withdrawal from nigeria banks

 

Cardless Automated Teller Machines, ATMs, are machines that allow bank users to carry out banking activities such as withdrawal, sending money, check balance, change ATM pin and in fact, some Bank ATM like GTbank ATM allow their users to deposit money into their bank account.
 
Cardless ATMs are like other bank ATM and they operate nearly the same.
 

How does Cardless Withdrawal Works?

According to some banks, you can process the paycode cash withdrawal from your bank mobile app, and some banks allow you to generate it via USSD. Continue reading, I will mention those bank in this post.
So, after generating the code, go to your bank ATM center and complete your cardless withdrawal.

Benefits of Cardless Withdrawal

This system allows you cashout your money when you don’t possess an ATM card. It’s easy to use with your smartphone everywhere you go.
Reduce demand rates for ATM card at bank or financial institutions.
Security has be the major benefit of Cardless Withdrawal. Though, it may not be safe as card withdrawal but it’s secure from getting to the hands of hackers that can easily get your card details.

How to do Cardless Withdrawal

Here in this section, I will share with you how to withdraw from automated teller machines (ATM) without card.
 
In this post, I will explain the usage of cardless withdrawal services of major banks in Nigeria, including, ALAT by Wema, GTBank, First Bank, UBA, Wema bank, Fedelity Bank, Union Bank and Zenith Bank.
But before I dive into those Nigerian popular banks, see below general method of using cardless withdrawal.

Cardless Withdrawal on any Bank ATM

Follow the below step-by-step guide to use Cardless Withdrawal on any Bank ATM.
  • Go to any Bank ATM
  • Press ”Enter” button on the Machine
  • 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.
Now let’s procees to other Banks in Nigeria Cardless Withdrawal.

Cardless Withdrawal ALAT by Wema bank.

  • Login to your ALAT account
  • Select ‘ Send Money ‘ option and Click on ‘ATM Cardless Transfer
  • Fill the pop field correctly and you will receive a paycode in your registered email.
  • To withdraw your money, goto any cardless ATM or paycode ATM,
  • Press enter to activate the screen
  • Select cash-out paycode, enter the pop up required details and the cashout pin
  • Type amount you wish to withdraw.
Please be noted that your amount must be the same with the one you when precessing the request on your bank mobile app.

Cardless Withdrawal GTBank

  • If you are already a GTBank user, login to your bank app. Or download the GT-World app on Google play store/Apple store and signup.
  • In the app dashboard, slide your finger on your mobile phone to  display outstanding menu.
  • Select ‘cardless withdrawal’ option on the ‘banking’ module

How to do cardless withdrawal on GTBank

  • Go to any GTBank-ATM near you,
  • Press ‘Enter’ button,
  • Choose ‘cardless withdrawal’ GT-Rescue option,
  • Enter reference code sent to your mobile phone,
  • Enter your amount. This must correspond with the one you chose at the mobile app.
  • Press ‘enter’ button to continue
  • Collect your cash

Cardless Withdrawal First Bank

  • On your phone and registered sim, dial *848*amount#
  • Input your details and authenticate the transaction with your pin
  • Your cardless withdrawal paycode will be sent to you via email or SMS
  • Next, goto any cardless ATM near you to complete your withdrawal.

How to do cardless withdrawal at First Bank ATMs?

  • Go to any first bank ATM
  • Press ‘enter’ button to activate the screen,
  • Select ‘cardless withdrawal’ option,
  • Enter reference code received on your phone,
  • Enter the amount, it must be the same with the one on ussd.
  • Press ‘ enter’ to continue
  • Collect your cash

Cardless Withdrawal UBA

  • Dial *919*30# on your registered mobile number
  • Follow the on screen prompt,
  • After that, you should receive a paycode sent to your email or via SMS,

How to do cardless withdrawal on UBA ATMs

  • Go to any UBA bank and use the ATM,
  • Tap ‘enter’ to activate the screen
  • Select ‘paycode cashout’,
  • Enter the amount which must correspond with the one you chose on ussd,
  • Select ‘OK’ to proceed
  • Your transaction will be verified and your cash dispensed.

Cardless Withdrawal WEMA Bank

To use Wema Bank Cardless Withdrawal, you have to use cash-on-the-go feature. This is how it works,
  • Dial *945*8# on your Registered mobile number,
  • Follow the prompt and paycode will be sent to you via email or SMS

How to do cardless withdrawal at wema bank ATMs

  • Visit any WEMA Bank ATM near you,
  • Press ‘enter’ to activate the screen
  • Select ‘Cash-On-The-Go’ option,
  • Enter ‘paycode’ you received
  • Proceed by pressing ‘enter’
  • Collect your cash.

Cardless Withdrawal Fidelity Bank

Follow the below steps-by-step guide to use fidelity cardless withdrawal.
  • Dial *770*8# from your registered mobile number,
  • Create one time pin (otp)
  • On the next screen, enter your ATM card pin to confirm the transaction
  • A paycode will be generated from your fidelity account and send to your email or mobile number,
  • After that,

How to do cardless withdrawal on fidelity bank ATMs

  • Go to your nearest Fidelity Bank,
  • Activate the screen by pressing ‘enter’
  • Select ‘paycode cashout’ or ‘Dial4Cash’,
  • Input the 4 digit pin you created earlier,
  • Input the paycode you received on your mobile number or email,
  • Enter your amount and collect your cash.

Cardless Withdrawal Union Bank

Follow the below guide to perfume cardless withdrawal on Union Bank of Nigeria. Here there are two methods to do this withdrawal.
First method is via USSD and the second method is via Union Bank app.
VIA USSD
  • Dial *826# from your registered mobile number,
  • Follow the next prompt to generate paycode and pin,
VIA BANK APP
  • Login to your bank app account,
  • Shuffle round and generate ‘paycode’ and ‘pin’
  • After that,

How to do cardless withdrawal at Union Bank ATMs

  • locate any union bank ATM center,
  • Press any button on the Machine,
  • Select ‘pay code’ or ‘cardless-cash’
  • Follow the prompt to complete your transaction,
  • Collect your cash.

Cardless Withdrawal Zenith Bank

  • Dial *966*60# on your registered mobile number,
  • Select option seven (7),
  • Follow the next propmt to generate 12-digits code and a 4-digits pin.

How to do cardless withdrawal at Zenith Bank ATMs

For cardless withdrawal at Zenith Bank, customer must use quick teller enabled ATM and must possess 12-digit code and 4-digit pin sent to email or registered mobile number. After that, can now proceed to any quick teller enabled ATM, under quick teller cashout option, that where you will complete your withdrawal.

Ecobank Cardless Withdrawal

  • Login to your ecobank mobile app,
  • Choose ‘xpresscash’ ,
  • You will be asked to select between ‘xpresscash’ or ‘ATM’,
  • Choose ATM
  • Enter account you want to cashout from,
  • An eight (8) digit electronics token will be generated,
  • After that,

How to do cardless withdrawal at Ecobank ATMs

  • Locate any ecobank ATM center,
  • Activate the screen, press any button,
  • Select ‘xpresscash’ option,
  • Input the eight (8) digit token that was generated. (Note that the code will be valid for 24hrs)
  • Enter the token, continue the transaction and cashout your money.

Keystone Bank Cardless Withdrawal

  • Dial *7111# on your registered mobile number,
  •  Select ‘other services’ then ‘cardless withdrawal’,
  • Select ‘account number’ then ‘amount’ (minimum of #1000),
  • Follow the next prompt to generate four (4) digit pin,
  • You will then receive paycode in your email or registered mobile number,
  • After that,

How to do cardless withdrawal at Keystone bank ATMs

  • Go to any nearest keystone bank ATM center
  • Press any button to activate the screen,
  • Click ‘cardless paycode’ option,
  • Input the pay code and four (4) digits code where necessary,
  • Press ‘enter’ to continue the transaction,
  • Cash-out your money.
 

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