How to withdraw money in an ATM machine without ATM card

How to withdraw money in an ATM machine without ATM card.The Banking Industry has been implementing great and mobile-friendly attributes that give the customer access to cash without much tension, Gone are those days that customers go through the stress of queuing up just to obtain a little cash from the bank, or make a transfer from one bank account to another, with the assistance of our mobile phone be it Nokia torch or iPhone one can conveniently send any proportion of money from his bank account without having to enter the banking hall, using a dedicated USSD code.ATM cards have equally made cash withdrawal so easy, now here comes an option for Cardless Withdrawal.

Another amazing Feature is Cardless Withdrawal, ie withdrawing cash from an ATM without your ATM card with the assistance of your Mobile Phone, this feature is not widely known by many, so on this article, We will talk intensively on how it works and the USSD code of the presently supported Nigeria banks, read on.

The name has said it all, Cardless withdrawal feature allows a customer to withdraw cash from his bank account on an ATM machine without using his ATM card,some banks Call it Cash Rescue, this feature appears in handy in times of emergency, unexpected expenses, etc, one might plan all his cash expenses thus leaving the ATM card a home, however, an unexpected expenses might come up and thus the desire to withdraw cash. The cardless withdrawal feature is yet to be adopted by most banks, the list of the supported banks will be listed on this post

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How Cardless Withdrawal operate

To withdraw cash from an ATM without your ATM card,
. simply dial your bank Instant banking USSD on your mobile phone,

• select Cardless withdrawal choice from the drop-down.

• input the amount of money you would like to withdraw.

• Now input your pin or the last 4 digits of your atm card number in some cases.

• A withdrawal code will be shown on the screen copy the code, a text message including the code will equally be sent to you via text message in some cases.

• Head straight to your bank ATM card, choose the cardless withdrawal option, input the code issue to you.

• choose the amount and the cash will be issued to you by the ATM.

Note that you can execute this cardless withdrawal only on your banks ATM machine,

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For security, the withdrawal code cannot be used to withdraw after some minutes of been issued, 20 to 30 minutes in some cases

Daily Cardless Withdrawal limits are set by banks to decrease the loss in cases of fraud.

Various banks use different methods for the cardless withdrawals, some of these procedures will be listed below.

Nigeria Banks That authorize Cardless Withdrawal
1.Guarantee Trust Bank( GTBank):
Dail *737# select cardless withdrawal option and follow the prompts

2.Fidelity Bank:
Dail *770# select cardless withdrawal and follow the prompt

3.United Bank Of Africa (UBA):
dial *919# choose Cardless withdrawal option and follow the prompt

4.Diamond Bank:
using the enrolled mobile number.

The customer gets the 6 digits magic code.

Then move to any Diamond Bank ATM and select “magic cash” option.

Enter the registered phone number with +234

Then enter the received 6 digit magic code

Create and confirm a 4 digit magic PIN (Create 4 digit PIN for first-time users).

The ATM will distribute cash after analyzing your details.

  1. Union Bank:
    Union Bank cardless ATM withdrawal is a bit unusual from others. This is because Union bank expects all its customers to download Union bank mobile App on their phones before carrying out a cardless ATM withdrawal.

After the App download, the customer first logins to the Union Bank banking mobile App.

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Activate code using the mobile App.

Then move to any Union bank ATM or cardless allowed ATM with the generated code.

The transaction is achieved at the ATM by entering the code and mobile number.

  1. Zenith Bank:
    Quickteller powers the cardless ATM withdrawal. In Zenith ATMs, It is shown under Quickteller cash out option. This is because the Cardless ATM withdrawal is powered by Quickteller. It enables mobile money users a chance to withdraw money from ATM without the use of the ATM card. They can also send money to others who may withdraw cardlessly at any ATM location using the 12-digit code and a 4-digit PIN sent to him or her.

The user will obtain a 12-digit code and a 4-digit PIN. A client can use these codes for safe withdrawals across Quickteller-supported ATMs nationwide.

It’s Advice that you don’t save your ATM Card Number or transaction pin on your mobile phone or sharing them with untrusted persons for security measure against lost.

Hope this information helpful, Did we left any bank from the list of the cardless withdrawal authorize banks, Do well to let us know by commenting.


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