How to Run Cardless ATM Withdrawal in Nigeria for All Banks

Are you aware that you can cut off the debit card and go fully cardless? The new cardless ATM Withdrawal in Nigeria is the smartest way to enjoy the benefit of banking. In this article, you’ll learn how to withdraw money without ATM card in Nigeria.

cardless atm withdrawal in Nigeria

Cardless withdrawal is also called ‘Cash-on-the-go’ (COTG). It works via the Instant banking service portal using the USSD dial option. Some banks also allow this feature to work with banking apps too.

The traditional and most common way of enabling this service is really less cumbersome. By the way, the term ‘cumbersome’ shouldn’t come in because a baby can as well set this up.

What You Require for Cashless Withdrawal to Work

  1. Your bank’s instant banking code. For example, *770#.
  2. The SIM card registered to that bank account.
  3. A mobile phone.
  4. A bank app (for banks that support).

How to Withdraw Without ATM Card in Nigeria

With the basic things said, let’s proceed to the main procedures for cardless ATM Withdrawal in Nigeria.

1. Dial the Instant Banking Code

Dial the instant banking code on your mobile phone. You must use the sim card registered to the bank account. For example, if 08012345678 is registered on Mr. Pele account with First bank, that’s the sim to use. If it isn’t registered to First bank, it won’t work.

The instant banking code varies. For example, Wema bank instant banking code is *945# while GT bank code is *737#.

2. Select Wireless Withdrawal Option

After dialing the code, find and select ‘Cash-on-the-go’ or ‘Cardless withdrawal’. It could be anything other than this depending on the bank. When you locate the option, input the number accompanying it on the command bar and send.

3. Enter a One-Time PIN

The next dialogue box will request for a one-time cashout PIN.

Note: This is the PIN you’ll use for the withdrawals.

Please take note of the PIN!

The one-time will not be your account transaction PIN.

4. Enter Amount

After entering a one-time PIN for the banking, enter the amount of money you want to withdraw. Some seconds later, a reference code will be forwarded to you via SMS.

5. Proceed to Withdraw

Now, go to the nearest ATM station or gallery to make withdrawals using the reference code sent to you.

What to Know About Cardless ATM Withdrawal in Nigeria

  1. Banks set minimum and maximum withdrawals support. While some banks limit it to 20,000 Naira, others set it at 30,000 Naira and 40,000 Naira respectively. Find out the limit set by your bank before proceeding.
  2. Apart from using the instant banking code, some banks support this service via their banking app platform.
  3. Not all ATMs support this feature. However, most of the Automated Teller Machines support this action. Try using ATMs situating at banks so as to easily use the service.

How to Withdraw without ATM Card from All Nigerian Banks

Various banks in Nigeria offer different ways of withdrawing money wirelessly. In this section of the article, I will show you how to withdraw money without credit card or how to withdraw money without debit card in Nigeria. Guess what, I will list all the banks in Nigeria and how to withdraw without credit card.

1. ACCESS BANK PLC

How to Withdraw without ATM Card Card Access Bank

The steps to withdraw without credit card in Access bank is quite simple. Here is how to withdraw money without ATM card in Access bank.

  • Dial *903# on your mobile phone.
  • Find and select Withdraw Money.
  • Select ATM Withdrawal in the next screen.
  • Input the amount of money you want to withdraw on the screen.
  • Enter your 4-digit PIN.
  • A reference code is now sent to that registered sim. Now, take that PIN to any ATM stand closest to you.
  • Select cardless withdrawal option on the ATM by pressing ‘’.
  • Select Access Money on the screen.
  • Enter the phone number registered to that account.
  • Enter the amount of money again.
  • Enter the reference code that Access bank sent to you.
  • Press Continue and take away your money.
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2. CITIBANK NIGERIA LIMITED

Citibank Cardless Withdrawal in Nigeria

Cardless atm withdrawal in Nigeria

CitiBank Online

Unlike several other banks in Nigeria, Citibank withdrawal is done online using the banking app. Follow these steps to successfully withdraw without ATM card from Citibank Nigeria Limited.

  • Request for cardless withdrawal using the online portal via Citibank banking app.
  • You’ll be sent a one-time (OTP) PIN through the sim you used for registration.
  • Proceed to any ATM and complete withdrawals using the OTP sent.

3. DIAMOND BANK PLC

How to Do Cardless Withdrawal with Diamond Bank

Diamond bank also supports the cardless withdrawal in Nigeria. As a customer, here are the steps involved in the action.

  • Text ATM to 30811. This SMS will only work if the sim card is registered to that Diamond account.
  • You’ll be sent a 6-digit magic code for the transaction.
  • Go to any Diamond withdrawal center around you and select Magic Cash on the ATM.
  • Input the registered phone number.
  • Input the 6-digit PIN sent to you via SMS from Diamond bank.
  • Now, enter your 4-digit PIN. You might be requested to create a 4-digit magic PIN if you’ve not used the service before.
  • Hit continue and withdraw your cash.

4. ECOBANK NIGERIA PLC

Cardless atm withdrawal in Nigeria

Eco Bank

How to Withdraw without ATM Card in Ecobank

Ecobank’s requirement includes the Ecobank app for the action to be successful. Here are the steps to follow to withdraw without ATM card from Ecobank.

  • Install Ecobank app from Google Play Store or Apple App Store.
  • If you’re not yet registered with the app, create an account and log in. If registered, input your account details in the Log in option to proceed.
  • Find and select Xpress Cash.
  • Select ATM.
  • Select your bank account if you have multiple Ecobank accounts registered to the app services.
  • Ecobank will generate an 8-degit Token.
  • Go to the nearest Ecobank ATM.
  • Select Expresscash.
  • Enter the 8-digit Token generated earlier.
  • Enter the amount of money you want to withdraw and you’re done.
  1. FIDELITY BANK PLC

Withdraw from Fidelity Bank Without ATM Card

Cardless atm withdrawal in Nigeria

Fidelity Bank

  • Dial *770*8*Amount#. For example, if you intend to withdraw 10,000 Naira, the code will be *770*8*10000#.
  • Continue by following the on-screen prompts.
  • Create a one-time PIN.
  • Enter your 4-digit banking and Fidelity will send in a Paycode.
  • Go to the nearest ATM station.
  • Enter the Paycode.
  • Enter your bank PIN.
  • Enter the amount to be withdrawn and you’re done.
  1. FIRST BANK NIGERIA LIMITED

How to Withdraw without ATM Card First Bank

  • Dial *848*Amount#. For example, if you want to withdraw 10,000 Naira, the code with be *848*10000#.
  • Enter any other detail required.
  • Enter your account PIN.
  • Generate a one-time 4-digit PIN (OTP) and select Send.
  • First Bank will send in a Paycode to the registered SIM via SMS. You can as well check your email for the PIN.
  • Visit any First Bank ATM station.
  • Select First Bank Cardless.
  • Enter your bank PIN.
  • Enter the 4-digit OTP.
  • Enter the amount you want to withdraw.
  • Enter your phone number and your cash is out.
  1. FIRST CITY MONUMENT BANK PLC

At the moment, FCMB is yet to launch a cardless feature as at the time of making this post. However, you can dial *329# to confirm for yourself.

  1. GUARANTEE TRUST BANK PLC

How to Withdraw without ATM card GT Bank

Guarantee trust bank supports 3 different banking platforms for the cardless withdrawal. They include:

  1. Internet banking
  2. Mobile banking
  3. USSD
Cardless atm withdrawal in Nigeria

Guarantee Trust Bank

How to Withdraw without ATM Card Using Internet Banking GT Bank

  • Log into the internet banking platform.
  • Find and select Account Transfers.
  • There are two options available there. The first is Cardless Withdrawal (GT-Rescue) and the second is Paycode (Cardless withdrawal).
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If you select Cardless Withdrawal (GT-Rescue), you can only withdraw using a Guarantee Trust Bank ATM. If you select Paycode (Cardless withdrawal), you’ll be able to withdraw from any other bank’s ATM.

  • After making your choice, GTB will present you a form to fill.
  • The form will require your Name, Mobile Number (registered to the account), Account to Debit, Terminal Type, Amount to Withdraw, etc.
  • Enter Answer to Secret Question.
  • Enter the Token Code sent by GTB and submit request.
  • GTB will send you a Reference Code which will be used for the withdrawal.

How to Withdraw without ATM Card Using Mobile Banking GT Bank

  • Download GTB app from Google Play Store or Apple Store.
  • Create an account or Log in to an existing account.
  • Click on the Menu option.
  • Select Cardless Withdrawal.
  • Click Cash Out (GTBank ATMs) if you want to withdraw with only GTB ATM.
  • Click Cash Out (All ATMs & POS) if you want to withdraw for other banks’ ATM.
  • Fill out the form and click Continue.
  • Enter you Token Code or 4-digit PIN and tap Done.
  • A Reference Code will be sent via SMS.

How to Withdraw without ATM Card Using USSD GT Bank

  • Dial *737#.
  • Select 8Next Page.
  • Select 1Cardless Withdrawals.
  • Select 1GTBank or 2Other Bank.
  • If you select 2Other Bank, continue to select Terminal.
  • Select Terminal as ATM or POS.
  • Input Amount.
  • Enter 4-digit code.
  • Enter the pre-selected 4-digit PIN.
  • Reference Code will be sent by GTB via SMS or email.

Now, depending on your option, you’ll have to either go to ‘only’ GTB ATM or Other Banks’ ATM.

If you’re using Cardless Withdrawal (GT-Rescue) option, do the following:

  1. Press enter on the ATM.
  2. Select Cardless Withdrawal (GT-Rescue).
  3. Enter the Reference Code.
  4. Enter Amount to withdraw and press Enter to withdraw your money.

If you’re using Paycode (Cardless withdrawal)

  • Select Paycode on the ATM.
  • Enter the Paycode sent to you.
  • Enter the PIN number you preselected on the internet banking.
  • Enter the Amount.
  • Press enter and withdraw your money.

9.  HERITAGE BANK

How to Withdraw Without ATM Card in Heritage Bank

This can be done using Paycode.

  • Dial *322*030*8*Amount#. For example, if you’re withdrawing 10,000 Naira, it will be *322*030*8*10000#.
  • Follow the on-screen prompt to complete the process.
  • Go to the nearest ATM and select Paycode Cashout.
  • Enter the generated digits sent to you by Heritage Bank.
  • Confirm with your 4-digit pin.
  • Enter the exact amount and withdraw your cash.

10. POLARIS BANK

How to Use Polaris Bank Cardless Code in Nigeria

Simply dial *322*8*Amount#. Complete the on-screen prompts and go to the nearest bank ATM. Select Paycode, enter the reference code and other details to withdraw.

11. STANBIC IBTC BANK LTD

Stanbic IBTC Cardless Withdrawal

Dial *909# to enter the USSD banking. Find and select cashless withdrawal. Follow the screen prompts to continue. Now, do the following:

  • Go to the nearest ATM and select Paycode.
  • Enter the required details and withdraw your money.

12. STERLING BANK PLC

How to Withdraw Money without ATM Card Sterling Bank

Sterling Bank refers to this feature as Dial4Cash. Here is how to use it.

  • Dial *822*42#.
  • Follow the screen prompt to create a one-time PIN (OTP).
  • Enter your transaction pin to receive a Reference Code via SMS.
  • Go to the nearest ATM station.
  • Enter the Reference Code, selected amount, and OTP to withdraw your cash.

UNION BANK OF NIGERIA PLC

How to Withdraw without ATM Card with Union Bank

  • Dial *826#.
  • Follow the on-screen prompt to generate a Paycode.
  • Visit the nearest ATM station.
  • Select Paycode.
  • Enter the required details including Reference code, amount and OTP.
  • Withdraw your money.

14. UNION BANK FOR AFRICA (UBA) PLC

How to Withdraw Money Without ATM Card UBA

  • Dial *919*30*Amount#. For example, if you’re withdrawing 10,000 Naira, the code will be *919*30*10000#.
  • Follow the on-screen prompt.
  • Generate a Reference code.
  • Go to any ATM center.
  • Select Paycode.
  • Enter the Cashout code and amount. The amount must tally with what you selected previously.
  • Cash out.
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15. UNITY BANK PLC

How to Withdraw Money Without ATM Card in Unity Bank

You can use the Paycode option to withdraw from your Unity Bank account without credit card. Here are the steps involved.

  • Dial *322*215*8*Amount#. For example, if you’re withdrawing 10,000 Naira, the code will be *322*215*8*10000#.
  • Visit the nearest ATM center.
  • Select Paycode Cashout.
  • Input the required details including your 8 to 14-digit paycode and the amount.
  • After verification, take out your money.

16. WEMA BANK PLC

How to Do Cardless Withdrawal with Wema Bank

Wema bank also supports the trending cardless withdrawal in Nigeria. Here is how to do it.

  • Dial *945*8*Amount# with the registered SIM card. For example, *945*8*10000#.
  • Enter a Cashout PIN.
  • Enter the amount you want to withdraw (it must not exceed 20,000 Naira).
  • Wema bank will send you a Reference Code (Cash Out Code).
  • Go to any ATM center to complete the withdrawal.
  • Select Paycode.
  • Input the required details and withdraw your money.

17. ZENITH BANK PLC

How to Do Cardless Withdrawal with Zenith Bank

  • Dial *966*60#.
  • Select option 7 to proceed.
  • Follow on-screen options.
  • Proceed to the bank to complete withdrawal.

18. KEYSTONE BANK LIMITED

How to Do Cardless Withdrawal Keystone Bank

  • Dial *7111#.
  • Select cardless withdrawal.
  • Enter your OTP.
  • Enter amount.
  • Go to any Keystone ATM and select Paycode.
  • Enter the code sent to you.
  • Re-enter the amount for confirmation and you’re done.

You may as well perform this action using the mobile app but USSD is a better and faster way to go cardless.

19. STANDARD CHARTERED

How to Do Standard Chartered Cardless Withdrawal

  • Download SC Mobile (Standard Chartered banking app) from Play Store or Apple Store and launch the app.
  • Enter your Password and Username. If you have no Standard Chartered mobile account, click on Sign Up to register.
  • When the app launches, select QR Pay.
  • Pick the account that you prefer for QR payment.
  • Enter a preferred 4-digit pin.
  • Now, check your message inbox and input the OTP sent to you.
  • Select ‘Allow App to Access Camera‘ when your phone prompts.
  • You can now visit any merchant or online store to make your purchase. To make purchase, simply allow the app to use your camera for scanning the barcode provided for you.

Note: With SC Mobile app, you can spend up to 2,000,000 Naira daily. It is just as if you’re using your credit card for transactions. Interestingly, all transactions are free of charge!

20. TITAN TRUST BANK

How to Do Titan Trust Bank Cardless Withdrawal

Titan Trust bank does not offer cardless services at the moment. If , perhaps, they decide to integrate cardless withdrawal in the future, please inform us using the comment section. Thank You.

21. SUNTRUST BANK NIGERIA LIMITED

How to Do SunTrust Bank Cardless Withdrawal

SunTrust bank does not offer cardless services at the moment. If , perhaps, they decide to integrate cardless withdrawal in the future, please inform us using the comment section. Thank You.

22. PROVIDUS BANK LIMITED

How to Do Providus Bank Cardless Withdrawal

Providus bank does not offer cardless services at the moment. If , perhaps, they decide to integrate cardless withdrawal in the future, please inform us using the comment section. Thank You.

23. GLOBUS BANK LIMITED

How to Do Globus Bank Cardless Withdrawal

Globus bank does not offer cardless services at the moment. If , perhaps, they decide to integrate cardless withdrawal in the future, please inform us using the comment section. Thank You.

Final Thought

Since the introduction of cardless ATM withdrawal in Nigeria, business took a new turn. And be the day, newer introductions will come in to ease what we do daily. Don’t worry anymore about the credit card at home. Put on your mobile, follow the steps and cash out.

Remember to subscribe and regularly check in for the things you must know how to do in and outside of Nigeria.

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