Online banking Nigeria infomediaNG

ATM Cardless Withdrawal without Debit Card in Nigeria

Last updated on August 26th, 2022 at 02:35 pm


A lot of Nigerians didn’t know it’s possible to withdraw cash at any ATM location without ATM Card, no wonder it became news when a young guy in Ibadan was harassed and arrested for using cardless method.

In this guide we’ll show you how to make a withdrawal without using your ATM card at the following banks:

  • Guaranty Trust Bank (GTB)
  • United Bank for Africa (UBA)
  • Acces bank
  • Wema Bank

The cardless method is available at virtually all the Nigerian financial institutions.


The inventor of cardless method

The Cardless ATM withdrawal was introduced in 2014 in the United States when Wells Fargo Bank launched the service and told its customers that they could withdraw money from ATM without using their debit card or credit card.

The new technology allows bank customers to dial certain USSD code on their phone to withdraw money at ATM locations without inserting their debit card.

withdraw money at ATM location without GTB Debit Card

What is cardless withdrawal method?

Cardless cash is the process of cashing out at any ATM location just with a dial of USSD code on your mobile phone without the use of your debit card.

However, it must be the phone phone linked to your bank account because a unique code will be sent to your phone via text message. The PIN sent to your phone will allow you to take your money.

Also Read:  History of Geopolitical Zone in Nigeria

The technology arrived in Nigeria much later in 2017, though it is still relatively unpopular.

7 importance of cardless withdrawal method

  1. If you forgot your debit at home
  2. If you mistakenly took another card that has no money on it
  3. If you lost your debit card
  4. If your card is damaged
  5. If you feel not using not card
  6. If your debit is stolen
  7. And in case of emergency

How to withdraw money at ATM location without GTB Debit Card

Here is how to withdraw from your GTBank account without your debit card.

Step 1: Dial *737#

Step 2: Click the option that states cardless withdrawal. This option is available on No. 9 at the tine of putting this guide together.

Step 3: Two options pop up 1) GTbank (GT rescue) 2) Paycode

Step 4: Select the option that suits you. While we’re testing this out, we selected Option No. 1 (GT rescue)

Step 5: Enter the amount you want to withdraw, and click send

Step 6: Select ATM or POS

Step 7: Enter your 4 digit or your GTbank ATM card. 

Cash out your money, that’s all

How to withdraw money at ATM location without Access Bank Card

Step 1: Dial *903# from your phone and select “Withdraw Money” option.

Select “ATM Withdrawal” option.

Step 2: Enter the Amount and validate the transaction with your PIN.

Step 3: You will receive a transaction code for successful withdrawal.

Step 4: Keep the code and visit any of our nearest ATM.

Step 5: Press ‘0’ to perform a cardless withdrawal.

ATM Cardless Withdrawal At UBA:

Step 1: Dial *919*30*Amount and follow the onscreen instructions.

Also Read:  National Identity Card Registration Centres in Imo State

Step 2: Go to the nearest UBA branch and use the ATM.

Step 3: On the ATM screen, select “Paycode Cashout”

Step 4: Enter the amount then select OK.

Step 5: Your transaction will be verified and your cash dispensed.

How do I withdraw money without WEMA Debit card using ALAT App

Step 1: Log into the ALAT app, click Send Money on the menu then click ATM Cardless Transfer.

Step 2: Fill in the required details and authenticate the transfer with your ALAT PIN. Step 3: You will receive a paycode by email.

Step 4: To withdraw your money, go to any cardless-enabled or paycode-enabled ATM

Step 5: Press ENTER to clear the ATM screen.

Step 6: Select CashOut Paycode.

Step 7: Type the reference number and the cashout PIN.

Step 8: Type the amount of money you want to withdraw

Final thought:

You can use any of the tips above any day, any time. In a situation whereby you don’t know how to use the method above.

Another alternative is go inside the bank (Monday-Friday between 8-4PM working days) and explain to the teller that you do not have your ATM card on hand.

Request a withdrawal slip, fill your details: your name, the amount of money you want and sign your name.

Next time you see anyone withdrawing money at ATM location without Debit Card don’t be surprised, don’t harass him/her, don’t invite the police either.

Cardless method has been in existence for some time. Embrace it!


  • Opeyemi Quadri

    Ope is a finance writer and researcher with 10+ years of experience in content creation. His interests cut across decentralized finance, investment, foreign exchange, government policies and politics.

Also Read:  Importance of Memorandum of Association To An Incorporated Company

Leave a Comment

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Scroll to Top