How to Withdraw Money From the ATM without Using a Card


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 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 instruction 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:

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  • 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.
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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.
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