How to Withdraw Money From a Bank Without Your ATM Card
There are several ways to withdraw money from a Nigerian bank account without using your ATM card. Depending on your bank, you may be able to use USSD, a mobile banking app, a cardless ATM service or a bank branch.
How to Withdraw Money Without Your ATM Card
If your bank supports cardless withdrawals, you can request a cash withdrawal through its official app or USSD service and use the generated code or token at a supported ATM. The exact steps differ between banks.
- Open your bank’s official mobile app or use its approved USSD service.
- Select the cardless withdrawal or cash withdrawal option if available.
- Enter the amount you want to withdraw.
- Complete the required authentication.
- Generate the withdrawal code or token.
- Go to a supported ATM and select the cardless withdrawal option.
- Enter the requested details and collect your cash.
Other Ways to Get Cash Without Your Card
| Method | What You May Need |
|---|---|
| Cardless ATM | Bank app or USSD and a withdrawal code or token |
| USSD | Registered phone number and bank’s supported USSD service |
| Mobile banking | Bank app and required authentication |
| Bank branch | Account information and acceptable identification |
Can You Withdraw From a Bank Branch Without an ATM Card?
In many cases, you can request a withdrawal at your bank branch without presenting an ATM card. The bank may require identification, account details and additional verification before processing the withdrawal.
What If Your ATM Card Was Lost?
If your card has been lost or stolen, contact your bank immediately and block or deactivate the card through an approved channel. You can then ask the bank which cardless withdrawal or replacement options are available to you.
Do All ATMs Support Cardless Withdrawal?
No. Cardless withdrawal is only available where the bank and ATM support the relevant service. Check your bank’s current instructions before visiting an ATM.
Safety Tips
Never give your cardless withdrawal code, PIN, password or one-time authentication code to another person. Use only official banking applications, USSD codes and ATMs, and avoid sharing sensitive account information with anyone claiming to arrange a withdrawal for you.
The safest method depends on the services supported by your bank. If you are unsure, contact your bank through its official customer-service channel for the current cardless withdrawal procedure.
