How To Do Cardless Atm Withdrawal In Nigeria All Banks 2023

You probably may have heard how a guy named Azeez Morofu, was manhandled by a mob in Ibadan and handed over to the police at Iyaganku Police Station. His offence? That he withdrew money from an ATM without a debit card. Yes, and… wait, he was wearing a dirty pair of jeans! The surprising twist to the incident was that… the Police who should know did not know that technology has made it now possible for an individual to choose either to use their debit card or not when making ATM withdrawals. The technology came into existence about two years ago or so, in the US when Wells Fargo Bank announced that customers could then withdraw money from ATMs without using a debit card. The new technology allowed smartphone-toting customers to withdraw money at all of its 13,000 ATMs without inserting their debit cards. Customers then were required to input a code and their ATM PIN number to access ATM options. Basically, cardless cash allows you to withdraw money from an ATM without using your debit card. Instead, you can opt to receive a unique code from your bank to your phone (either by text message or within your mobile banking app) that you can then use at an eligible ATM to verify your cash withdrawal. The technology arrived in Nigeria much later in 2017, though it is still relatively unpopular. As we move to join the rest of the world in the emerging technological dispensation, our police must also be educated so as to teach them not to embarrass themselves the next time someone makes a cardless withdrawal at an ATM point. Without further ado, let’s see how cardless ATM withdrawal can be done in Naija.

How cardless ATM Withdrawal in Nigeria works (All banks):

1. Access Bank Cardless Withdrawal

Here is how to setup Access bank cardless withdrawal using the USSD code

2. ALAT Bank Cardless Withdrawal

Here is how to set up ALAT digital bank cardless withdrawal

3. Ecobank Cardless Withdrawal

Here is how to setup Ecobank cardless withdrawal using XpressCash

4. Fidelity Bank Cardless Withdrawal

Here is how to setup Fidelity bank cardless withdrawal using the USSD code

5. First Bank Cardless Withdrawal

Here is how to setup First bank cardless withdrawal using the USSD code

6. GTBank Cardless Withdrawal

Here is how to setup Gtbank cardless withdrawal using the USSD code  

7. Stanbic IBTC Cardless Withdrawal

Here is how to do a Stanbic IBTC cardless withdrawal using the USSD code or mobile app.

8. UBA Cardless Withdrawal

Here is how to setup UBA cardless withdrawal using the USSD code

9. Union Bank Cardless Withdrawal

Here is how to set up Union bank cardless withdrawal using the USSD code

10. Wema Bank Cardless Withdrawal

Here is how to setup Wema bank cardless withdrawal using the USSD code

11. Zenith Bank Cardless Withdrawal

Here is how to setup Zenith bank cardless withdrawal using the USSD code

Simply dial 96660# and select the option 7. Follow the prompt then proceed to Zenith ATM.

I hope this article has helped you with additional knowledge. If so, use it for your good. We welcome your comments, questions, corrections and additional information relating to this post.