Cardless Withdrawal: How to cashout Money from ATM without Bank Card

Cardless withdrawal at ATM in Nigeria

Hello! Here’s How to Withdraw Money from ATM without Card. It’s often called “Cardless Withdrawal at Automated Teller Machine (ATM)”

Although cardless withdrawal has been in existence since years back. But as Nigerians proceed to tackle with the scarcity of new Naira notes and cashless policy, commercial banks have put more effort in the effectiveness of codes for cardless cash withdrawals at ATMs.

Cardless withdrawal is a payment option that allows bank customers to make withdrawals at ATMs using their registered mobile phone numbers connected to their bank accounts, bank apps or internet banking.

Features of Cardless Banking

The Cardless methods of payment at ATMs is useful for accessing cash without an ATM card. It also ease bank customers the hassle of immediate replacement of lost ATM card.

Cardless withdrawal helps to reduce the risk of scammers and hackers stealing bank card details. As account holders can go about without their cards, and with assurance of accessing cash at any ATM post within the country.

However, Cardless withdrawal has some good limitations which are cardless policy and;

  • Cashout PIN: This is a one time code that is generated to you when you request cardless cashout on your bank app, internet banking or USSD. The Cash Out PIN can only be used at the ATM and it’s valid for only 24 hours to protect account holders against hackers, ensuring a safe and secure transaction.

Furthermore, Fidelity Bank eBanking Divisional Head, Ifeoma Onibuje also speak on the innovations and benefits of Cardless withdrawal. According to her, Cardless withdrawal was introduced to address the absence of credit/debit cards, and to be in support of the cashless policy.

“The service is currently available at all Fidelity Bank ATMs across the country, and we are collecting favourable feedback from customers who have used the service, which will be used for modifications”.

Nigeria Banks with Cardless Banking Feature

Here are banks that have included cardless withdrawal in their ATMs:

  • Access Bank
  • Ecobank
  • Fidelity Bank
  • First City Monument Bank (FCMB)
  • First Bank of Nigeria
  • Guaranty Trust Holding (GTBank)
  • Union Bank
  • Zenith Bank
  • Keystone Bank
  • Polaris Bank
  • Stanbic IBTC Bank
  • Sterling Bank
  • United Bank for Africa
  • Unity Bank
  • Wema Bank
  • Zenith Bank
  • Kuda Bank
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Here are Banks’ USSD Shortcodes to Do Cardless Withdrawal at ATMs

  • Access Bank – *903#
  • Ecobank – *326#
  • First City Monument Bank (FCMB) – *329#
  • First Bank of Nigeria – *894*0# 
  • Fidelity Bank – *770*8*Amount#
  • Guarante Trust Holding (GTB) – *737*50*Amount*50# 
  • United Bank For Africa (UBA) – *919*30Amount*50#
  • Union Bank – *826*7#
  • Keystone Bank – *7111# 
  • Polaris Bank – *833# 
  • Stanbic IBTC – *909# 
  • Sterling Bank – *822# 
  • Unity Bank – *7799*8*amount# 
  • Wema Bank – *945#
  • Zenith Bank PLC  – *966*60#

For Kuda Bank, you’ll have to generate your Cardless Withdrawal codes from KudaBank Mobile App. And FCMB customers can carry out transfer and do other transactions on their phones with obtaining any ATM card from the bank branch.

How to generate Cardless Withdrawal Codes or PIN on Mobile Banking or Internet Banking

Generating Cardless Withdrawal Codes are differs on each bank mobile app and internet bank. You’ll need to navigate your bank app to find out how you can generate your Cardless Withdrawal PIN to use at ATMs.

However, here’s how to generate Cardless Withdrawal Codes on KudaBank Mobile App:

  • Login to your Kuda Account via Mobile App
  • Tap on “Pay” at the button on your dashboard
  • Scroll down and tap on “Cardless Payment”
  • Next, you’ll need to choose your payment option
  • Kuda Bank Cardless Payment Option includes; Pay with Bank, Pay with USSD, POS Terminal, ATM withdrawal, and Pay a Kuda Business.
  • Tap on one and enter amount you want to withdraw.
  • Tap on Pay and you’ll be given a PIN.
  • Go to any ATM post near you and click on any key on the Machine
  • Tap on Cardless Payment
  • Choose Bank and Account Type
  • Input Amount
  • Input PIN generated on Kuda Bank and Click on Proceed.
  • The ATM will process your transactions and dispense your cash.
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For POS Cardless Withdrawal:

  • Go to any POS Terminal and request to perform Cardless Withdrawal
  • The POS Agent will carry out some tap on the Machine.
  • Input PIN generated from KudaBank and tap proceed
  • The money will be deducted from your account and added to the agent’s account.

Then, take your cash!

Important Notice: If you’re using Cardless Withdrawal via POS, then choose Pay with POS Terminal in your Kuda app, and after 24 hours of PIN generated, it will expires.

How to do Cardless Withdrawal via USSD code

Here are steps to carry out Cardless Withdrawal at the ATM using Bank’s USSD Code:

  • Dial your Bank shortcode on your registered mobile number. E.g. *919*30Amount*50# for UBA customers
  • Enter the amount you want to withdraw and create a one-time withdrawal PIN
  • You’ll receive an SMS containing your one-time withdrawal PIN
  • Go-to any ATM near you and tap on any button on the Machine
  • Click on Cardless Payment and follow the on-screen instructions
  • Select Bank, Input Amount, and Input your Cardless withdrawal PIN.
  • The ATM will process your transaction and dispense your cash immediately.
  • You can choose to print receipt or skip.

That’s just the simple step-by-steps guide to using Cardless Banking and Payment in Nigeria. Do find any difficulty in here? Please get in touch with us via the comments section.

I believed you’ve learned one or two? Now that you know how to use Cardless withdrawal at any ATM across the country, share this article to those don’t know how to do it. Let them have the same knowledge as you.

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