Since one can now withdraw money from the ATM or POS without your ATM card, let’s look at how to carry out cardless withdrawals in Access Bank, UBA Bank, GTBank, and First Bank.
Most banks offer this service, but we want to cover cardless withdrawals for GTbank, UBA Bank, First Bank, and Access Bank.
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GTbank Cardless Withdrawal
GTB offers two methods for using cardless withdrawal – GTRescue, GTConnect, and GTBank USSD code – *737#.
Cardless via GTRescue
- Log on to the GTbank Internet banking platform, select the “GTRescue” menu option, and click New request.
- Fill out the GTRescue form and authenticate your cash-out request by entering a unique token code, then submit.
- A confirmation message with the cash-out amount and withdrawal reference number is displayed.
- The generated 12-digit withdrawal reference number will be sent to your mobile number and email associated with your GTBank account.
- Visit the closest GTBank ATM, and press any key on the ATM to perform a cardless transaction.
- Select the GTRescue option on the ATM screen and enter the withdrawal reference number sent to your mobile phone or email.
- Enter your mobile number associated with your GTBank account.
- Enter the last four digits of the reference number sent to your phone number/email.
- Enter the cash-out amount requested via Internet banking.
- Cash is dispensed, and the transaction is completed.
Read also: Different types of people peculiar to the ATM queue in Nigeria
Cardless via GTConnect
Call to GTConnect (08039003900,080290029000). Request to make a cardless withdrawal. The contact agent will process your request and authenticate your transaction. Upon confirmation, a generated Reference number will be sent to your phone number and Email associated with your GTBank account. Then visit any GTBank ATM and press any key to use cardless withdrawal.
Using GTBank USSD code – *737#
With GTBank 737, your cardless withdrawals just got more accessible without the internet.
- Dial *737*3*Amount#, follow the prompt to generate your withdrawal code, and authenticate your request with your 737-created pin.
- Get to any GTBank ATM and press any key to use Cardless withdrawal.
- Enter the withdrawal code generated into any GTBank ATM to retrieve cash.
Note: The withdrawal limit placed on this service by GTBankis N20,000 per withdrawal, and you can only use GTBank cardless withdrawal three times per day. The Reference number is valid for only 3 hours.
Access Bank Cardless Withdrawal
Access Bank offers this service via their banking USSD code – *903#.
- Dial *903# from your phone and select the “Withdraw Money” option.
- Select the “ATM Withdrawal” option.
- Enter the Amount and validate the transaction with your PIN.
- You will receive a transaction code for successful withdrawal.
- Keep the code and visit any of our nearest ATM
- Press ‘0’ to perform a cardless withdrawal.
- Select Access Money. Input your Phone number, Amount Initiated, and the transaction code received, and select continue.
- Receive your cash from the ATM.
Read also: Access Bank Transfer Code – Money transfer, Airtime recharge, and check balance
UBA Bank Cardless Withdrawal
UBA cardless withdrawal works via the bank’s USSD code – *919#.
- Dial *919*30*amount via the phone number associated with your UBA bank account and follow the onscreen instructions to generate.
- Visit the nearest UBA branch and use the ATM.
- On the ATM screen, select “Paycode Cashout.”
- Enter the amount, then press OK
- Your transaction will be verified, and your cash will be dispensed.
If you want some security to your withdrawal, extending usability, which is recommended, use this step:
- Dial *919# and press 6 to select Cardless and Paycode transaction from your mobile device.
- Create a One-time PIN (OTP). Create the PIN and press enter it to get the Paycode (Paycode is valid for 24 hours.).
- Visit the nearest UBA bank’s ATM and enter your Paycode, OTP, amount, and phone number.
- After verification, your money will be dispensed.
Note: The maximum amount to withdraw via the ATM using cardless withdrawal is N20,000 and N150,000 through POS. With the cardless withdrawal feature, the Paycode generated can be used on all UBA ATMs and other bank ATMs. You can also share the Paycode with a third party to withdraw money, which means you will have to send the amount and cashout PIN. The generated Paycode can also be used to Pay for goods and services at retail outlets where the POS is cardless-enabled.
Read also: UBA bank USSD codes – Recharge, money transfer, pay bills, and balance check
First bank Cardless Withdrawal
- Dial *848*Amount#.
- Enter the required details and authenticate the transaction with your 848 PIN.
- Create the 4-digit PIN (OTP), then send.
- You will receive a Paycode through SMS or email (Paycode will be received via the phone number and email associated with your First bank account.).
- Visit the nearest First Bank Cardless enabled ATM.
- Enter your PIN and select Cardless Withdrawal.
- Enter the 4-digit (OTP) and Paycode.
- Enter the amount and your phone number.
- After verifications, your cash will be dispensed.
The cardless withdrawal comes very handy when you need to withdraw money from the ATM and you don’t have your ATM card with you – see it as your saving grace. Cardless withdrawal doesn’t relieve the stress of queueing up at the ATM. Since cardless withdrawal works via USSD code, it means that Cardless withdrawal is feasible if only you have the phone bearing the phone number associated with your bank account. It also works via Internet banking websites for some banks.
