How To Perform A Cardless Withdrawal In Nigeria (In 7 Steps)

In Nigeria, cardless transactions have become a convenient way for customers to access cash without the need for a physical card. Various banks in Nigeria have introduced cardless ATM cash withdrawals, offering customers flexibility and ease in managing their finances. Here is a comprehensive guide on how to perform cardless transactions with different banks in Nigeria.

Some Nigerian banks offer cardless ATM usage as a secure and convenient way to withdraw money. This method involves scanning a barcode at the ATM machine for authorization to access cash from your account. It is particularly beneficial for customers concerned about the security of their physical cards and helps reduce fraud risks associated with traditional ATM transactions.

Also Read: How to Recover Your Stolen or Lost Debit Card Quickly

How to Perform A Cardless Withdrawal

  1. Contact your bank to obtain the appropriate shortcode for cardless withdrawals.
  2. Dial the bank’s shortcode on your mobile phone or use the bank’s mobile app.
  3. Enter the amount you want to withdraw and create a one-time withdrawal PIN.
  4. Receive a code via SMS that you will use to withdraw cash from an ATM.
  5. Visit any ATM with a cardless withdrawal feature, select “Cardless Withdrawal,” and follow the on-screen prompts.
  6. Enter the code you received via SMS, your one-time withdrawal PIN, and the requested amount.
  7. Collect your cash and receipt.

Check Out: The difference between a debit card and credit card

Nigerian Bank Codes For Cardless Withdrawal

  1. UBA91930*Amount# 
  2. First Bank89489414197*Amount# 
  3. Zenith Bank96660# 
  4. Ecobank: *326# 
  5. Union Bank8267*Amount# 
  6. Wema Bank9458Amount#


Cardless withdrawals in Nigeria provide flexibility and accessibility for individuals who may find themselves without their debit cards but in need of cash. By utilizing cardless ATM services, customers can securely access their funds in various situations.

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