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Are you looking for a legit way to withdraw your money from the ATM without your debit card? You have come to the right website. We are going to teach you step-by-step methods to on how to withdraw money without ATM machine in Nigeria.
Whether you are cardless, or just curious to looking for a way to withdraw your money from your bank account, we will walk you through. The stress of applying a for a an ATM card in most Nigerian banks is stressful. For this reason, many banks in the country have adopted many ways to withdraw money from your bank account without ATM.
There are obviously many reasons many prefer direct bank withdrawal. There is no doubt that the risk of losing your debit card to fraudsters is high. Cardless withdrawal seems even more easier than going to the Automated Teller Machine (ATM). All you need to is to connect your bank account to your mobile wallet. Continue reading learn how to withdraw money without ATM card in Nigeria.
Requirements For Cardless Withdrawal
The following requirements must be met before you can be able to withdraw money without your ATM card:
- Functional mobile phone
- A USSD dialing code issued to you from your bank
- Banking App (For some banks)
- Functional Sim card connected to your bank account
How to Withdraw Money Without ATM Card in Nigeria
Follow the instructions below to withdraw money from your bank without using your ATM debit card
1. Dial the instant dialing code
The first step in withdrawing money without your debit card is by dialing the banking code. To do this, make sure your Sim card is linked to your bank account. If you have currently not linked your bank account to your sim card, I suggest you do so. You cannot make your cashless withdrawal if your SIM card is not linked to your bank account.
Also note that each bank has its dialing code. These codes differ from one another. For example, let's say if GT Bank dialing code is *737#, then that of Access Bank would be*945#. It is therefore important you contact your bank to know their instant dialing code.
2. Select wireless withdrawal option
After the dialing your bank code, proceed to select the cardless withdrawal option. In some cases, you will see 'cash-on-the-go'option. Select your appropriate number. As said earlier, the arrangements of the options depends on each bank. Some banks may have the cashless withdrawal option to be 5, and 3 for others.
3. Enter your One-Time Password sent to your email or phone number
After selecting your wireless withdrawal option, a One-Time-Password, also known as OTP will be sent to your mobile number used for the registration. Without the OTP, you can not proceed to withdraw. Make sure you do not share your OTP with anyone.
4. Enter the amount of money you wish to withdraw
Here, all you have to do is to enter the amount of money you wish to withdraw. Make sure you know your minimum account balance so you don't repeatedly enter a huge number.
5. Proceed to withdraw
Finally, after entering your amount, you can proceed to withdraw. Visit any nearby ATM machine to withdraw your money using your reference code sent to you.
What You Should Know about Cardless ATM Withdrawal in Nigeria
- Not every ATM machine support this method in Nigeria. It is therefore important you contact your bank for more information
- Some banks in Nigeria rather use banking apps instead of this transaction method
- Each bank has its maximum and minimum withdrawal limit
How to Withdraw Money Without ATM Card in Some Nigerian Banks
1. First City Monument Bank
It is one of the best banks to withdraw money without ATM card in Nigeria. Follow the instructions below to withdraw
- On the app, log in to your dashboard
- Choose the cardless withdrawal option from the available options
- Enter all the necessary information requested and enter the 'generate paycode option'
- After successfully generating your paycode, visit any nearby ATM machine to withdraw. Click on the Paycode Cashout option to continue
- Enter the pin code sent to you
- Enter a 4-digit Cash-Out Pin created
- Enter the amount you wish to withdraw and confirm
- Take your money
2. VFD Microfinance Bank
The bank has two cardless ways to withdraw money. You can withdraw via the app or USSD. Below is a step-by-step approach to withdraw via the VFD Microfinance app
- Login to the VFD app
- On your dashboard, choose the 'cardless withdrawal' option
- Choose 'withdraw cash'
- Select your account type (Savings or current)
- Enter the amount of money you wish to withdraw
- Enter your pin and confirm your details
- You will receive a verification code via the sim used to link your bank account
- Visit the nearest ATM machine
- The next thing is to press the "enter" button on the pay code-supported ATM machine
- Choose the cardless withdrawal option
- Enter paycode option'
- A code will be sent to you via SMS. Enter the code to proceed
- Finally, enter the same amount you entered on the app and confirm
- Take your cash
3. United Bank for Africa or UBA
The bank has over 7 ways to withdraw money from your ATM without debit card in Nigeria. However, we will show only one method here.
- To start, enter any key at the ATM machine
- Choose the 'cardless'withdrawal option
- Enter the 0 to 14 digit withdrawal code
- Enter the verification pin sent to your phone
- Enter the amount of money you wish to withdraw
- Proceed to withdraw your money
Conclusion
The above guideline is one of the best ways to withdraw money without ATM card in Nigeria. All you need to do is to visit your bank and ask for more details in how to go about it. You may be asked to link your bank to your SIM card or download the banking app.
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