How to Withdraw Money from ATM without Card


How to Make Cardless Withdrawal at Automated Teller Machine (ATM)

As Nigerians continue to grapple with the scarcity of Naira notes and cashless policy, commercial banks have released codes for cardless ATM cash withdrawals. The system allows bank customers to make withdrawals at ATMs with the aid of their registered mobile phone numbers. That’s to say, the account holders must perform such Cardless withdrawal transaction with their phone numbers connected to the their bank accounts.

Benefits of Cardless ATM Withdrawal 

The Cardless banking method offers the customers the following benefits:

Access to cash without a debit or credit card. 

The Cashout PIN is valid for only 24 hours to l protect account holders against hackers, ensuring a safe and secure transaction. 

It also helps customers avoid the hassle of immediately replacing a lost ATM card and the risk of scammers and hackers stealing their bank details as they can go about without card with assurance of accessing cash at any ATM point with the use of cards.

Banks speak on the cardless ATM withdrawal Ifeoma Onibuje, Divisional Head, eBanking, Fidelity Bank Plc, speaking on the innovation, said: “We know how frustrating it can be when you get to the ATM only to discover that you forgot your debit card at home. “To address this and in support of the cashless policy, we recently introduced cardless withdrawals via our ATMs. The service is currently available at all Fidelity Bank ATMs across the country, and we are recording favourable feedback from customers who have used the service.”

The banks that have released these features include: 

Access Bank


Fidelity Bank, First City Monument Bank, First Bank, and Guaranty Trust Holding. Others are Union Bank, Zenith Bank, Keystone Bank, Polaris Bank, Stanbic IBTC Bank, Sterling Bank, United Bank for Africa, Unity Bank, Wema Bank, and Zenith Bank.

Shortcodes to Make a Cardless ATM Withdrawal for Each of the Banks 

  • Access Bank — *903#
  • Ecobank — *326#
  • FCMB — *329#
  • First bank- *894*0# 
  • Fidelity bank- *770*8*Amount#  
  • GTB- *737*50*Amount*50# 
  • UBA — *919*30Amount*50#
  • Union Bank- *826*7#
  • Keystone- *7111# 
  • Polaris- *833# 
  • Stanbic IBTC- *909# 
  • Sterling Bank- *822# 
  • Unity Bank - *7799*8*amount# 
  • Wema- *945#
  • Zenith — *966*60#

FCMB accounting holders can do transfer and other transactions on their phones with obtaining any ATM card from the bank.

Steps to Carry Out Cardless Withdrawal at the ATM

  1. Dial the banks code on your mobile phone or use the bank's mobile app. 
  2. Enter the amount you want to withdraw and create a one-time withdrawal PIN. 
  3. You will receive a code via SMS that you will use to withdraw cash from an ATM. 
  4. Go to any ATM with a cardless withdrawal feature, select "Cardless Withdrawal," and follow the on-screen prompts. 
  5. Enter the code you received via SMS, your one-time withdrawal PIN, and the requested amount. Collect your cash and receipt. 

Ikechukwu Evegbu

Ikechukwu Evegbu is a graduate of Statistics with over 10 years experience as Data Analyst. Worked with Nigeria's Federal Ministry of Agriculture and Rural Development. A prolific business development content writer. He's the Editor, Business Compiler

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