How to withdraw money from any ATM without card



How to withdraw from any ATM without card

by Gemid News

Have you ever find yourself in a fix; where you need cash but you are unable to withdraw from the Automated Teller Machine (ATM) just because you forgot your ATM card at home/office?

With the card-less policy introduced by the Central Bank of Nigeria (CBN), bank transaction is now getting easier by the day in Nigeria.

Vanguard gathered some of these step-by-step procedures that would help to make your cash withdrawals across all banks easy and fast:


For card-less ATM withdrawals with Zenith bank, you have to use Quickteller enabled ATM. All Zenith bank is Quickteller enabled, and the card-less withdrawal option is displayed under Quickteller cash out option. Zenith bank mobile money users have the opportunity to withdraw from ATM without the use of card. All you need do is to get a 12-digit code and a 4-digit PIN to proceed to withdraw safely and easily at all Quickteller suppported ATMs nationwide.


The first step to follow is to dial *919*30* Amount and follow the instructions prompted.  Go to the nearest UBA branch and use the ATM. On the ATM screen, select “Paycode Cashout”. Enter the amount then select OK. Your transaction will be verified and your cash dispensed.


You would have to dial *737# then input “8” to select next page. Input “1” to select cardless withdrawals. Input “1” and “2” TO SELECT EITHER “GTB” or “Other Bank”. If option is “Other Bank” then, enter “Terminal” as “1” or “2” to select “ATM” or “POS”. Input “Amount”. Enter any 4 digit code to set your ‘Cash-out PIN”. Enter your pre-selected 4 digits PIN to complete the cardless withdrawal request. Once all the aforementioned steps are strictly followed, you will receive a reference code as SMS on your mobile phone then you can proceed to the nearest ATM to make your withdrawals.

Also, you can follow these highlighted steps to make cardless withdrawals on any GTB’s ATM nationwide: Locate any GTB ATM close to your doorstep. Press “Enter” button on the ATM. Select the “Cardless Withdrawal(GT-Rescue)” option then, enter “Reference Code” received on your mobile phone and enter “Amount” (This should be same selected when initiating request on Internet Banking, USSD or Mobile Banking). Press “Enter” button to proceed then, collect your cash.


For cardless transactions on other bank’s ATM, ensure you locate any of the preferred bank then, press “Enter” button on the ATM. Thereafter, select the “PayCode” option and enter “PayCode number” received on your mobile phone. Enter pre-selected “Cash-out PIN number” selected on Internet Banking when initiating request. Enter “Amount” (This should be same selected when initiating request on Internet Banking, USSD or Mobile Banking). Press “Enter” button to proceed then, collect your cash.

NB: The above highlighted steps can be followed for all other banks not mentioned. What you need do is to get the bank’s “PayCode PIN number” and follows the instructions prompted.

Report compiled by Arogbonlo Israel

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