How to Withdraw Money Without an ATM Card Using Your Phone in Nigeria

Last Updated: October 2025
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Welcome to Cardless Banking

It’s happened to almost everyone — you’re at an ATM, you realize you forgot your card, or maybe it got lost or damaged, and you urgently need cash.

Thankfully, in 2025, Nigerian banks have made it easier than ever to withdraw money without an ATM card using only your phone. This process, often called cardless withdrawal, lets you generate a secure code or token on your bank app or USSD, then use it at an ATM or POS to collect your cash.

Whether you use GTBank, Access, UBA, Zenith, First Bank, or even fintechs like Opay and Moniepoint, there’s now a reliable, simple way to withdraw funds instantly — no card required.

In this ultimate 2025 guide, we’ll cover:

• What cardless withdrawal means and how it works

• USSD and mobile app methods for every major Nigerian bank

• Cardless withdrawals using fintech apps (Opay, PalmPay, Moniepoint, Kuda)

• Common errors and troubleshooting steps

• Real-life examples and safety tips

Let’s begin.

What Is Cardless Withdrawal?

Cardless withdrawal is a banking feature that allows you to withdraw cash from an ATM or POS without your debit card, using a one-time code (token) or mobile verification.

When you initiate a cardless transaction, your bank generates a temporary PayCode or Reference Number tied to your account. You then enter that code at the ATM or POS to collect the cash.

Benefits of Cardless Withdrawal

• ✅ Withdraw cash when you forget your card

• ✅ Protect yourself from card theft or skimming

• ✅ Help others withdraw money safely without sharing your PIN

• ✅ Fast and available on most banks and ATMs

How It Works (Step-by-Step)

1. Dial your bank’s USSD code or open its app.

2. Select “Cardless Withdrawal” or “Withdraw Cash.”

3. Enter the withdrawal amount.

4. Create a unique PIN or accept a generated PayCode.

5. Visit a cardless-enabled ATM.

6. Select “Cardless Withdrawal → PayCode” or “Quickteller”.

7. Enter the code and amount → collect your cash.

Cardless Withdrawal Methods in Nigeria

There are two main options for cardless withdrawals in 2025:

Using USSD Codes (works on any phone)

No internet required — just dial your bank’s USSD and follow prompts.

Using Mobile Banking Apps

Safer, faster, and allows you to generate withdrawal codes securely through your app.

Let’s go bank by bank.

GTBank (Guarantee Trust Bank)

Method 1: Via Mobile App

1. Open GTWorld App → Cardless Withdrawal / Cashout.

2. Choose ATM Withdrawal (PayCode).

3. Enter amount (₦1,000 – ₦100,000).

4. Create a Cash-Out PIN and confirm.

5. You’ll receive a Reference Number and Cash-Out Code by SMS.

Method 2: Via USSD (737#)

1. Dial 73713#.

2. Enter amount.

3. Create a 4-digit Cash-Out PIN.

4. You’ll receive a Reference Code.

5. Go to any GTBank or Quickteller-enabled ATM → select PayCode Withdrawal.

6. Input code and collect cash.

Note: Codes expire after 2 hours for security reasons.

Access Bank

Using AccessMore App

1. Log in → Tap Cardless Withdrawal.

2. Select “Withdraw at ATM.”

3. Enter amount and confirm.

4. You’ll get a 12-digit PayCode.

5. At ATM, choose PayCode → Quickteller.

6. Input code and cash-out.

Using USSD (901#)

1. Dial 90113# or 901Amount#.

2. Select Withdraw Cash (PayCode).

3. Enter your PIN.

4. Receive 12-digit code by SMS.

5. Use code at ATM or POS.

Limit: ₦20,000 per withdrawal; ₦100,000 daily.

UBA (United Bank for Africa)

UBA Mobile App

1. Log in → Menu → Cardless Withdrawal.

2. Enter withdrawal amount.

3. Generate Withdrawal Code.

4. Visit UBA or Quickteller ATM → choose PayCode/Quickteller.

5. Input code and amount.

USSD Method (919#)

1. Dial 91930*Amount#.

2. Enter your PIN to confirm.

3. Receive Cash-Out Code via SMS.

Tip: You can also use UBA POS agents — give them your code and amount.

Zenith Bank

Mobile App

1. Open Zenith Mobile → Cardless Withdrawal (PayCode).

2. Enter amount and verify with OTP.

3. Receive a 14-digit code via SMS.

4. Use any Quickteller ATM → select PayCode.

5. Enter code and amount → collect cash.

USSD (966#)

1. Dial 96660#.

2. Choose Cardless Withdrawal.

3. Follow prompts to create your withdrawal code.

First Bank of Nigeria

Using FirstMobile App

1. Log in → Menu → Cardless Withdrawal (PayCode).

2. Enter amount and PIN.

3. Receive 12-digit PayCode.

4. Go to any FirstBank or Quickteller ATM.

5. Select PayCode Withdrawal → enter code.

Using USSD (894#)

1. Dial 894Amount#.

2. Follow prompts for Cardless Withdrawal.

3. Confirm with PIN.

Note: Codes expire after 30 minutes for safety.

Fidelity Bank

USSD Method (770#)

1. Dial 7708*Amount#.

2. Confirm with PIN.

3. Receive a one-time PayCode.

4. Use any Quickteller-enabled ATM → Cardless / PayCode.

Mobile App

• Use Fidelity Online App → Cardless Withdrawal.

• Enter amount, generate code, and proceed to ATM.

Union Bank

Using USSD (826#)

1. Dial 8267*Amount#.

2. Confirm with PIN.

3. Receive your 8-digit PayCode by SMS.

ATM Use: Choose Cardless → PayCode (Interswitch) and input code.

Polaris Bank

Using VULTe App

1. Log in → More → Cardless Withdrawal.

2. Enter amount → verify with PIN.

3. Receive 12-digit code.

4. Withdraw at any Quickteller ATM.

USSD (833#)

1. Dial 83313#.

2. Select Cardless Withdrawal.

3. Follow prompts to generate code.

FCMB

USSD Method (329#)

1. Dial 329Amount#.

2. Choose Cardless Withdrawal.

3. Enter PIN → get 12-digit code.

4. Use at FCMB or Quickteller ATMs.

Ecobank

Mobile App

1. Open Ecobank Mobile App.

2. Tap Xpress Cash.

3. Select Generate Code.

4. Enter amount → confirm PIN.

5. Receive 8-digit code.

6. Use any Ecobank ATM → Xpress Cash.

USSD (326#)

1. Dial 326# → Xpress Cash.

2. Enter amount → get code.

Fintech Options (Cardless via Wallets & Agents)

Opay

1. Open the Opay App.

2. Tap Withdraw → POS/Agent Withdrawal.

3. Generate Withdrawal Code.

4. Visit any nearby Opay Agent.

5. Provide code and your phone number — agent confirms on dashboard.

6. Collect your cash.

Alternative: Use “Transfer to POS Merchant” within the app.

PalmPay

1. Open PalmPay → Withdraw → ATM or POS.

2. Choose Generate Code.

3. Input amount → confirm.

4. Receive transaction code.

5. Withdraw via POS agent.

Moniepoint

• Visit Moniepoint agent POS.

• Select “Cardless Withdrawal.”

• Enter your Phone number + Withdrawal Code (from app).

• Confirm via OTP → collect cash.

Kuda Bank

1. Open Kuda App → Withdraw → Cardless.

2. Choose agent location or POS partner (PayArena/Quickteller).

3. Generate code.

4. Share with agent → withdraw cash instantly.

How to Withdraw from ATMs Without a Card

Cardless-enabled ATMs display “PayCode / Cardless Withdrawal / Quickteller.”

Steps:

1. Select Cardless or PayCode Withdrawal.

2. Choose Interswitch / Quickteller.

3. Enter Reference Number / PayCode and Amount.

4. Confirm → collect cash.

How to Withdraw from POS Without Card

If you’re at an agent shop (e.g., Opay, Moniepoint, Baxi, etc.):

1. Generate your PayCode from app or USSD.

2. Give code + registered phone number to the agent.

3. They’ll enter both into their POS terminal.

4. Confirm amount and collect cash.

Common Cardless Withdrawal Errors and Fixes

Real-Life Examples

Case 1:
A student in Abuja lost her ATM card a day before exams. She used GTBank 73713# to withdraw ₦10,000 from an ATM using a PayCode. It worked perfectly.

Case 2:
A mechanic in Port Harcourt used PalmPay’s “Withdraw at POS” feature when his bank card chip was damaged. He generated a code, gave it to a nearby agent, and withdrew cash in under 3 minutes.

Case 3:
A trader in Enugu helped her daughter withdraw ₦5,000 remotely using Access Bank USSD by generating a PayCode — no card, no app.

Safety Tips for Cardless Transactions

• Never share your PayCode or withdrawal PIN with anyone.

• Complete withdrawal immediately after generating the code.

• Always verify ATM screen before entering your code.

• Avoid using public Wi-Fi or insecure devices for app transactions.

• Ensure you log out of your banking app after generating codes.

Frequently Asked Questions (FAQs)

Q1: Can anyone withdraw my money if they get my code?
Only if they know both the PayCode and your registered phone number or PIN. Keep both private.

Q2: How long does a cardless code last?
Usually 30 minutes to 2 hours (depends on bank).

Q3: Is there a fee for cardless withdrawal?
Most banks charge ₦50–₦100 service fee.

Q4: Can I withdraw from any ATM?
Only from Quickteller-enabled ATMs or your bank’s terminals.

Q5: Is it safe?
Yes — PayCodes are one-time and expire quickly.

Q6: Can I use this method outside Nigeria?
No, only within supported Nigerian networks.

Advantages of Cardless Withdrawal

No physical card needed — perfect for emergencies
Fast and secure
Works across multiple banks and agents
Reduces card fraud risk
Allows remote cash access for family or staff

Key Differences Between Cardless and Regular Withdrawals

Future of Cardless Banking in Nigeria

Banks and fintechs are now integrating biometric authentication and QR-based withdrawals.

Soon, customers will simply:

• Scan a QR code at the ATM,

• Approve via their app,

• Collect cash instantly — no code required.

The CBN’s 2025 Digital Banking Framework supports these innovations for a safer, faster, and more inclusive payment system.

In 2025, running out of cash or losing your ATM card no longer means panic. With just your phone and a few quick steps, you can withdraw funds securely through any cardless-enabled ATM or POS.

Always remember:

• Use official USSD or app channels.

• Never share your PayCode.

• Confirm your ATM displays the Quickteller or PayCode option before entering details.

Cardless withdrawal is one of the smartest banking upgrades in Nigeria’s financial system — giving you freedom, safety, and convenience at your fingertips.