How To Carry Out Cardless ATM Transactions In Nigeria

How To Perform Cardless ATM Transactions In Nigeria


The world is advancing, and this is evident in all facets of life. The banking industry is not left out in this.

One of such technological advancement in the banking industry recently, is the ability to carry out Cardless ATM Transactions here in Nigeria.

One advantage of this, is that you may not have to sign up for an ATM card with your bank before you are able to withdraw money from ATMs anymore.

In the event that you misplaced your ATM card, this also comes in quite handy in case of emergency, you can still withdraw money from your bank.

So let's see how you can perform Cardless ATM Transactions for different banks here in Nigeria.

How To Use First Bank Cardless Withdrawal Service

Here is how to setup First bank cardless withdrawal using the USSD code

  1. Dial *848*Amount#
  2. Fill in the required details and authenticate the transaction with your PIN.
  3. You will be asked to generate a 4-digit one-time PIN, create the PIN then press send.
  4. You will receive a paycode through SMS or email.
  5. Go to the nearest First Bank Cardless enabled ATM to perform your transaction.

How to Use Access Bank Cardless Withdrawal Service

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

  • 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 Stanbic IBTC Cardless Withdrawal Service

Here is how to do a Stanbic IBTC cardless withdrawal using the USSD code or mobile app.

  1. Dial *909#  and navigate  to @ease wallet or download and install the ease wallet app on your device.
  2. If you are just getting started, you will need to create an ease wallet with your phone number.
  3. After successfully creating an ease wallet account number (which is your phone number without the first zero… For example, 80612345678), you can then proceed to fund your account.
  4. To do a cardless withdrawal, simply select the option to generate a Paycode and proceed to the next step.
  5. Go to the nearest Stanbic IBTC Cardless enabled ATM, follow the cardless withdrawal feature and authenticate a withdrawal using the Paycode from your ease wallet.

How to Use Fidelity Bank Cardless Withdrawal Service

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

  • From your registered mobile number, dial *7708*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 Wema Bank Cardless Withdrawal Service

Here is how to setup Wema bank cardless withdrawal service using the USSD code:

  1. Dial *945# on your mobile phone used in opening your account with Wema bank.
  2. Select Cash-on-the-Go option from the list of options.
  3. Generate a withdrawal code by following the prompts.
  4. Visit any Wema bank ATM and withdraw the amount by supplying the generated code.

How to Use Union Bank Cardless Withdrawal Service

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

  • 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 procedure below:

  • Here is how to setup UBA cardless withdrawal using the USSD code

    1. Dial *919#
    2. Choose option (7) to view the NEXT PAGE for the Cardless (PayCode) option
    3. Choose option (4) for the Cardless (PayCode) option
    4. Enter your Magic Banking PIN
    5. Choose Account No
    6. Select Preferred Option (1)ATM Cashout
    7. Enter Amount
    8. Enter one-time 4-digit cashout pin

    1. You can then go to any UBA ATM or any cardless-enabled ATM and choose the cardless option and follow instructions with your ATM Cashout pin to retrieve cash.




      How To Use Zenith Bank Cardless

      Here is how to setup Zenith bank cardless withdrawal using the USSD code

      • Simply dial *966*60# and select the option 7.
      • Follow the prompt then proceed to Zenith ATM.

How to Use GTBank Cardless Withdrawal Service

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

  • 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 dispense your cash.


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