How to Make Cash Withdrawal Without Using ATM Card

You will discover how to  make withdraw cash withdrawal without using ATM card in this post. You might go to an ATM only to discover that you didn’t have your card with you; or you might need to withdraw money right away but can’t find your card; or you might find yourself in a circumstance where you desperately need cash.

The globe is a global community, and each new day brings us closer to greater technical progress. Gone are the days when you couldn’t withdraw money from an ATM unless you applied for a new card and waited weeks for it to arrive from your bank.

How to Make Cash Withdrawal without Using a Card

You can now withdraw money from an ATM without having to use a card. The highlighted directions from various banks, as well as how you will go about it, are shown below.

1. Access Bank

Follow the steps below to use the Access Bank cardless withdrawal service:

  1. From your registered phone number, dial *903#.
  2. Choose Withdraw Money.
  3. Enter the amount you want to withdraw and then confirm it with your PIN.
  4. A transaction code will be sent to you through SMS. It should be kept.
  5. To make a cardless withdrawal, press the “0” button on the ATM.
  6. Select Access Money, then enter your phone number, the amount you initiated, and the transaction code you received before pressing the Continue button.
  7. Your money should be dispensed at the ATM.
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2. Fidelity Bank

Follow the steps below to use Fidelity Bank’s cardless withdrawal service:

  1. Dial “*770*8*Amount#” from your registered phone number.
  2. To make a one-time Pin, follow the on-screen instructions (OTP).
  3. To complete the transaction, enter your Instant Banking PIN on the next screen.
  4. A Paycode is then generated and emailed to your registered cellphone number directly from your Fidelity account.
  5. Select PayCode Cashout or Dial4Cash by pressing any key on the ATM.
  6. Fill in the four-digit one-time PIN you set up previously.
  7. Enter the Paycode that was sent to your phone number.
  8. Enter the amount – the same as you did at the start of this method – and get your money.

3. Union Bank

Follow the steps below to use Union Bank’s cardless withdrawal service:

  1. Dial “*826#” from the phone number associated with your account number.
  2. To generate a Paycode and PIN, follow the on-screen prompts.
  3. Go to any ATM that accepts cardless transactions.
  4. Select Paycode by pressing the Enter key on the machine.
  5. To complete your transaction, simply follow the directions.
  6. Take your money.
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4. United Bank of Africa (UBA)

Follow the steps below to use UBA’s cardless withdrawal service:

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  1. Find any ATM that accepts cash without a card (most ATMs these days are).
  2. Dial “*919*30*Amount#” from the cellphone number you registered with and follow the on-screen directions.
  3. You should get an SMS with a cashout code issued to your phone.
  4. Any button on the machine should be pressed.
  5. Choose “Paycode Cashout” from the drop-down menu.
  6. If you’re asked for your cashout code, enter the code you received by SMS on your phone.
  7. Enter the amount you wish to withdraw – it must be the same as the amount you asked over the phone. Press OK button.
  8. The ATM should dispense cash once your transaction has been validated.

5. GTBank

Follow the steps below to use GTBank’s cardless withdrawal service:

Dial “737” from the phone number you used to create your account.

To go to the next page, type in “8.”

  1. To select Cardless Withdrawals, type “1.”
  2. Select “GTBank” with “1,” or “Other Bank” with “2.”
  3. If you selected “Other Bank,” enter “1” or “2” for “ATM” or “POS,” accordingly.
  4. Enter the amount you want to withdraw.
  5. Set your Cash-Out PIN to a four-digit code.
  6. To complete the request, enter your pre-selected 4-digit PIN.
  7. You should receive a reference code through SMS right away.
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Using any GTBank ATM to make a cash withdrawal

  • Press the Enter key on any GTBank ATM.
  • Choose “Cardless Withdrawal (GT-Rescue)” as your withdrawal method.
  • Proceed to the following screen and enter the Reference Code you received by SMS on your phone.
  • Enter the exact amount you choose on your phone during your request.
  • When you press the Enter key, your money should be dispensed from the ATM.
  • Withdrawing Money from an ATM of a Different Bank

Other than a GTBank ATM, find any other bank’s ATM.

  1. On the ATM, press the Enter key.
  2. Choose a PayCode.
  3. Input the PayCode number that was sent to your phone.
  4. Enter the Cash-Out PIN Number you chose earlier. This is something you set on your phone during your request.
  5. Enter the exact amount you choose on your phone during your request.
  6. Press the Enter key. Your money should be dispensed by the ATM.

Source: Nyscinfo

Updated: October 3, 2021 — 1:00 am

The Author

Stephen Adoga

Stephen Adoga is a trained journalist, researcher, creative writer, content creator, video editor and freelancer. He studied Mass Communication at the Lagos State Polytechnic, Ikorodu, where he acquired requisite training for the practice of journalism. He loves the media. His interest mostly lies in the print medium where his creative writing skill makes him a perfect fit.

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