How to Withdraw Money Without an ATM Card
Withdrawing money from a bank account without an ATM card is possible in Nigeria through services such as cardless withdrawals, mobile banking and USSD, depending on the bank and the channel it supports. The exact process varies between banks.
Ways to Withdraw Money Without an ATM Card
| Method | How It Works |
|---|---|
| USSD withdrawal | Some banks provide cardless withdrawal through their USSD service. |
| Mobile app | A bank app may allow you to generate a code or token for a cardless withdrawal. |
| Cardless ATM | Supported ATMs can allow customers to withdraw using an approved code or token. |
| Bank branch | You can request a withdrawal through the bank’s normal branch procedure. |
How Cardless ATM Withdrawal Works
- Open your bank’s official mobile app or use its supported USSD service.
- Select the cardless or cash-withdrawal option if available.
- Enter the required amount and complete the requested authentication.
- Generate the withdrawal code, token or other authorisation details.
- Visit a compatible ATM.
- Select the cardless withdrawal option and enter the required details.
- Collect your cash and keep the transaction information until the withdrawal is confirmed.
Can You Withdraw With USSD?
Some Nigerian banks support cardless cash withdrawals through USSD. The exact code and steps depend on the bank, so use the current USSD instructions supplied by your bank rather than an old code found online.
What If Your Phone Is the Problem?
If you cannot access your banking app or USSD service, contact your bank through its official channel. Depending on the bank’s procedures, you may be able to withdraw money at a branch after completing the required identity verification.
What Do You Need for a Cardless Withdrawal?
Requirements vary, but you may need your registered phone number, banking app or USSD access, a withdrawal code or token, and a supported ATM. Some transactions also require your account PIN or another authentication method.
Important Safety Tips
Never share a withdrawal PIN, one-time password, cardless withdrawal code or token with another person. Use only official banking applications, USSD codes and ATMs, and complete the withdrawal promptly if the generated code has a limited validity period.
If you cannot use a card, check whether your bank supports cardless withdrawals before visiting an ATM. Your bank’s current instructions should be used because the process can change.
