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How to Withdraw Money From the ATM without Using a Card

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On this article, you will learn how to withdraw money from the ATM without using your Card.

You could visit an ATM, just to find out you didn’t even hold your card with you; or you might need to withdraw money as a matter of urgency, but you just can’t find your card; or you might get caught in a situation where you really need cash. 

How to Withdraw Money From the ATM without Using a Card
 A woman takes Nigerian Naira from a bank’s automated teller machine (ATM) without a card

The world is a global place and each new day draws us closer to more technological advancement. Gone are the days when if you lost your card you can’t withdraw money using the ATM until you apply and wait for weeks to get a new one from your bank.

How to Withdraw Money From the ATM without Using a Card

Today, you can withdraw money from the ATM without using a Card. Below are highlighted instructions from different banks and how you will go about it.

Read Also: How To Make Money Online In Nigeria

How to Use Access Bank Cardless Withdrawal Service

To use the Access Bank cardless withdrawal service, follow the below procedures:

Read Also: Tips On How to Make Money Online with Google in Nigeria

  • Dial “*903#” from your registered mobile number.
  • Select Withdraw Money
  • Enter the amount you want to withdraw and validate the transaction with your PIN.
  • You will receive a transaction code via SMS. Keep it.
  • Locate any Access Bank ATM.
  • Press “0” on the machine to perform a cardless withdrawal.
  • Select Access Money, input your phone number, amount initiated, the transaction code received and select Continue.
  • The ATM should dispense your cash.

How to Use Fidelity Bank Cardless Withdrawal Service

To use Fidelity Bank cardless withdrawal service, follow the below procedures:


  • From your registered mobile number, dial “*770*8*Amount#”.
  • Follow the on-screen prompts to create a one-time Pin (OTP).
  • On the next screen, input your Instant Banking PIN to confirm the transaction.
  • A Paycode is then generated directly from your Fidelity account and sent to your registered mobile number.
  • Locate any ATM Gallary 
  • Press any key on the ATM and select PayCode Cashout or Dial4Cash.
  • Enter the 4 digits one-time PIN you created earlier.
  • Punch in the Paycode that you received on your mobile number.
  • Enter the amount – same as you entered at the beginning of this procedure – and receive your cash.

How to Use Union Bank Cardless Withdrawal Service

To use Union Bank cardless withdrawal service, follow the below procedures:

  • From the mobile number registered with your account number, dial “*826#”.
  • Follow the on-screen prompts to generate a Paycode and PIN.
  • Proceed to any cardless-enabled ATM.
  • Punch the Enter key on the machine and select Paycode
  • Follow the prompts to finalize your transaction.
  • Receive your cash.

How to Use UBA Cardless Withdrawal Service

To use UBA cardless withdrawal service, follow the below procedures:

  • From the mobile number, you registered with, dial “*919*30*Amount#” and follow the on-screen prompts.
  • You should receive a cashout code sent to your mobile phone via SMS.
  • Locate any cardless-enabled ATM (most ATMs these days are).
  • Press any button on the machine.
  • Select “Paycode Cashout”.
  • If prompted to input your cashout code, enter the code you received on your phone via SMS.
  • Enter the amount you want to withdraw – same as you requested on your phone. Press OK.
  • Once your transaction is verified, the ATM should dispense cash.

How to Use GTBank Cardless Withdrawal Service

To use GTBank cardless withdrawal service, follow the below procedures:

  • From the mobile number you registered your account with, dial “*737*”.
  • Input “8” to select Next Page.
  • Input “1” to select Cardless Withdrawals.
  • Input “1” to select “GTBank” or “2” to select “Other Bank”.
  • If you chose “Other Bank”, enter Terminal as “1” or “2” to select “ATM” or “POS” respectively.
  • Input your desired amount to withdraw.
  • Enter a 4 digit code to set as your Cash-Out PIN.
  • Enter your pre-selected 4 digits PIN to complete the request.
  • You should immediately receive a reference code via SMS.

Withdrawing your money from any GTBank’s ATM

  • On any GTBank’s ATM, press the Enter
  • Select the “Cardless Withdrawal(GT-Rescue)” option.
  • On the next screen, punch in the Reference Code you received via SMS on your mobile phone and proceed.
  • Enter Amount – the same selected during your request on your phone.
  • Press the Enter button, the ATM should dispense your cash.

Withdrawing from Other Bank’s ATM

  • Locate any bank’s ATM – other than a GTBank’s.
  • Press the Enter button on the ATM.
  • Select the PayCode
  • Input the PayCode number you received on your mobile phone.
  • Enter your pre-selected Cash-Out PIN Number. You set this during your request on your mobile phone.
  • Enter Amount – the same selected during your request on your phone.
  • Press Enter The ATM should dispenser your cash.

Bernard Bassey is a graduate of Software Engineering from AfriHUB University, Abuja. He is an expert in field journalism, his interest in socio-politics activities is keen.

32 Comments

32 Comments

  1. Bayaru Abdullahi

    Wednesday, 24 June 2020, 6:09 at 6:09 pm

    Bayaru Abdullahi

  2. Bodylon

    Sunday, 14 June 2020, 12:37 at 12:37 am

    I doubt if this is not a scam.

  3. Ebby

    Saturday, 13 June 2020, 2:52 at 2:52 pm

    I like that more power to your elbow

  4. Oladapo omoworare

    Friday, 5 June 2020, 11:58 at 11:58 am

    Thanks Sir, but of the other Banks e.g. Wema bank and FCMB bank

    • Bernard Bassey

      Friday, 5 June 2020, 12:12 at 12:12 pm

      This post will be updated to includes all Banks in Nigeria.

  5. Precious Felix

    Wednesday, 29 April 2020, 1:54 at 1:54 pm

    OK thanks but what about first bank code

  6. Abdul-aziz Zakar

    Tuesday, 28 April 2020, 2:55 at 2:55 pm

    Pls ineed zenith Bank, procedure for transaction at Atm without using my card

  7. Jomak

    Tuesday, 28 April 2020, 11:58 at 11:58 am

    @Reuben. Are you making any sense to yourself?

  8. Ikyav Teryima Justine

    Tuesday, 28 April 2020, 1:47 at 1:47 am

    Barnabas I really appreciate it’s 4 1 9 or 4 1 10

  9. Demzy

    Tuesday, 28 April 2020, 12:48 at 12:48 am

    Pls what about FCMB. Don’t forget to mail for update thank u.

  10. Ekpo Usoro

    Monday, 27 April 2020, 11:27 at 11:27 pm

    This is good, what about sterling bank ?

  11. Kingsman Mercury

    Monday, 27 April 2020, 10:56 at 10:56 pm

    Nice nothing until l perform it

  12. Isaac Edem

    Monday, 27 April 2020, 10:15 at 10:15 pm

    Brother you try and your very right I have been using GTBANK for long and I did not want to collect new card just because I know how to use it, don’t mind Mr Ruben, just mail me I have something to ask you brother

  13. abou juwairiga

    Monday, 27 April 2020, 8:58 at 8:58 pm

    what about the general bank?
    first bank oo

  14. DUROTIOLUWA OLUWAKEMI

    Monday, 27 April 2020, 8:30 at 8:30 pm

    It very nice technology,what of zenith bank

  15. Omosakin Ashiat Toyin

    Monday, 27 April 2020, 8:25 at 8:25 pm

    Please I need for Polaris bank and Stanbic Ibtc

  16. Godwin

    Monday, 27 April 2020, 7:01 at 7:01 pm

    I love this and thank you guys

  17. Louis

    Monday, 27 April 2020, 6:00 at 6:00 pm

    please I need for unity bank

    • Bernard Bassey

      Monday, 27 April 2020, 8:00 at 8:00 pm

      The post will be updated soon.

      • REUBEN

        Monday, 27 April 2020, 9:23 at 9:23 pm

        Don’t do what the man asked you to because the money will automatically enter his account.

  18. AKAN Moses

    Monday, 27 April 2020, 5:08 at 5:08 pm

    Please kindly notify me when the post is updated and the procedures for First Bank included. My email address is gentle23401@yahoo.com.

    Thank you.

  19. Jonah Justice

    Monday, 27 April 2020, 4:08 at 4:08 pm

    Great one,but what of ecobank ?

  20. Tope Elias

    Monday, 27 April 2020, 2:20 at 2:20 pm

    Please send cardless process for First bank also.

    Well done on the innovation sir

  21. Ahmed mj

    Monday, 27 April 2020, 1:19 at 1:19 pm

    Is Stambic ibtc bank not included

  22. Kiki

    Monday, 27 April 2020, 11:53 at 11:53 am

    What about Zenith bank?

  23. ISAAC BARTHOLOMEW Umoh

    Monday, 27 April 2020, 11:39 at 11:39 am

    Is Polaris bank not included?

  24. Ismail usman

    Monday, 27 April 2020, 11:29 at 11:29 am

    Great

  25. Adam Smart

    Monday, 27 April 2020, 10:01 at 10:01 am

    Thank u guys

  26. Cos'D da icon

    Monday, 27 April 2020, 9:52 at 9:52 am

    You are not adding first bank

    • Bernard Bassey

      Monday, 27 April 2020, 10:18 at 10:18 am

      The post will be updated soon.

      • Isaac Edem

        Monday, 27 April 2020, 10:22 at 10:22 pm

        Please don’t forget to mail

  27. Churchill Manson

    Monday, 27 May 2019, 1:07 at 1:07 am

    Great work. keep it up!

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