Forgot or lost your ATM card in Lagos or Abuja? You can still access your cash. This guide explains proven methods for cardless ATM withdrawals in Nigeria.
Banks now offer secure, card-free options using your phone. We cover the complete process, requirements, and expert tips for a smooth transaction.
Understanding these Nigerian banking platforms saves you stress during emergencies. Let’s explore your available options step-by-step.
Requirements / What You Need
Before you attempt a cardless withdrawal in Nigeria, ensure you have the following ready. Preparation is key, especially given our common network issues.
- A Registered Nigerian Phone Number: The mobile number linked to your bank account must be active and with you. You cannot use a number from a cyber café or a friend’s phone for authentication.
- Your Bank’s USSD Code or Mobile App: You must know your bank’s shortcode (e.g., *901# for GTBank, *737# for GTB, *945# for Zenith) and have it ready. For app-based methods, ensure the app is installed and updated.
- Your Secret PIN/Password: This is your mobile banking PIN or app transaction password, not your ATM card PIN. Many people confuse these two distinct codes.
- Valid ID for Verification: Some banks may require you to present a valid means of identification like your National ID Card, Driver’s License, or International Passport at the ATM to collect the cash.
- Transaction Fees: Be prepared for charges. Cardless withdrawals often attract a fee, typically between ₦50 to ₦150, depending on your bank. This is deducted from your account balance.
Step-by-Step Process
Step 1: Initiate the Withdrawal from Your Phone Using your registered phone, dial your bank’s USSD code (e.g., *737# for GTBank, *945# for Zenith) or open your bank’s mobile app. Navigate to the menu for transfers or payments and look for an option labeled “Cardless Withdrawal,” “Quick Cash,” or “Cash Pick-Up.” Be patient; menu layouts differ between banks like UBA and FirstBank.
Step 2: Enter Withdrawal Details You will be prompted to enter the exact amount you wish to withdraw (e.g., ₦5,000). Next, input the recipient’s phone number. For self-withdrawal, enter your own number. The system will then generate a unique withdrawal code or token, usually a 6-12 digit number. Write this code down immediately or take a screenshot.
Step 3: Receive SMS Confirmation Your bank will send an official SMS to the phone number you specified. This message contains the withdrawal code, amount, and sometimes a time limit (often 24 hours). Do not delete this SMS. If you don’t get it within 5 minutes, check your network; delays are common with Glo or 9mobile.
Step 4: Go to Your Bank’s ATM Proceed to any ATM that belongs to your specific bank. Cardless withdrawals typically do not work on other banks’ ATMs or most standalone ATMs in malls. Look for an option on the ATM screen like “Cardless Withdrawal” or “QuickCash.”
Step 5: Input the Code & Collect Cash Select the cardless option on the ATM screen. Carefully enter the unique code you received, followed by the exact withdrawal amount. The machine will verify the details. If successful, it will dispense your cash. Collect your money and wait for the transaction completion screen before leaving. Always take your transaction receipt.
Alternative Methods
If the standard cardless ATM process fails or your bank doesn’t offer it, consider these reliable alternatives tailored for Nigeria’s context.
1. Over-the-Counter Withdrawal at Your Bank Branch: Visit your bank’s branch with a valid photo ID (National ID, Driver’s License, or Voter’s Card). Fill a withdrawal slip and present it to a teller. This is the best option if you’ve completely lost access to your registered phone line or need to withdraw a large amount exceeding ATM limits. Be prepared for potential queues, especially in branches in busy areas like Lagos Island or Wuse, Abuja.
2. Use a Trusted Third-Party App for Transfer & Cash-Out: Instantly transfer the needed amount from your bank app to a trusted friend or family member’s account using their phone number. They can then withdraw the cash immediately from any ATM with their card. This is the fastest workaround during network issues or if you’re in a remote area without your bank’s ATM. Use apps like Paga or Opay if you have a wallet with them, as they also have agent locations nationwide for cash pickup.
Common Problems and Solutions
Even with the right steps, you might hit a snag. Here are typical Nigerian issues and how to solve them.
Problem: “Transaction Failed” or “Invalid Code” at the ATM
This is often due to network timeouts between your bank’s server and the ATM. You may have entered the code correctly, but a glitch causes rejection.
Solution: First, double-check you are at an ATM owned by your specific bank. If you are, wait 2-3 minutes and try entering the code again exactly as received. If it fails a second time, do not keep trying as it may lock the transaction. Cancel and generate a brand new withdrawal code from your phone using the USSD or app. Old codes expire.
Problem: No “Cardless Withdrawal” Option on the ATM Screen
Not all ATMs, especially older models or those in remote locations, are configured for this service. Standalone ATMs in petrol stations or supermarkets often lack the feature.
Solution: Move to a major branch ATM of your bank, usually located at the bank’s headquarters or a flagship branch in your state capital. These are consistently updated. You can also call your bank’s customer care (e.g., 0700CALLUBA) to confirm the nearest enabled ATM.
Problem: SMS Delay or No Confirmation Message
Network congestion from your mobile provider (common with MTN during peak hours) or an incorrect phone number entered can cause this.
Solution: Wait 5-10 minutes. Check your message inbox thoroughly, including spam folders. If nothing comes, dial the USSD code again and carefully re-initiate the process, ensuring your phone number is correct. If the issue is persistent, you may need to visit a branch with your ID to resolve it, as your registered line might need updating.
Fees, Costs and Timeline
Understanding the charges and how long the process takes helps you avoid surprises and manage your funds wisely.
Official Bank Charges: Most Nigerian banks charge a fee for cardless withdrawal services. This is typically between ₦50 to ₦150 per transaction, depending on your bank. For example, GTBank’s Quick Cash attracts a ₦53.75 fee, while Zenith Bank may charge ₦100. This fee is automatically deducted from your account balance when you generate the withdrawal code.
Unofficial Costs to Avoid: Never pay an extra fee to anyone. If you use an alternative method like transferring to a friend’s Opay or Palmpay account for them to withdraw, agree beforehand. Some agents might try to overcharge for “cash-out” services, especially in busy areas like Computer Village or Alaba Market. The standard charge for cashing out from a mobile money wallet is usually 0.5% to 1% of the amount.
Timeline: The withdrawal code is valid for a limited time, usually 24 hours. The cash is dispensed instantly at the ATM once the code is verified. However, if you visit a bank branch for an over-the-counter withdrawal, factor in potential wait times of 30 minutes to over an hour.
Warnings and Scams to Avoid
As convenient as cardless withdrawals are, staying alert protects your hard-earned money from prevalent Nigerian scams.
- Never Share Your Withdrawal Code or PIN: Your bank will never call, SMS, or WhatsApp you to ask for your withdrawal code, mobile banking PIN, or OTP. Scammers often pose as “customer care” from Lagos or Abuja, claiming there’s an issue with your transaction. Hang up and call your bank’s official number directly.
- Avoid Fake “Help” Agents at ATMs: Be wary of individuals loitering at ATMs offering to “help” you process the cardless withdrawal. They may attempt to see your code or swap the cash. Politely decline and handle the transaction yourself.
- Beware of Phishing Links: Do not click on links in unsolicited SMS or emails promising “cardless withdrawal activation” or “account upgrade.” These lead to fake portals designed to steal your login details. Always initiate transactions only through your official bank USSD code or downloaded app.
- Verify Transfer Details Meticulously: If using the alternative method of sending to a friend, double-check the recipient’s name and number before sending. A common trick is for fraudsters to use similar contact names (e.g., “Mike” vs “Micheal”) in your phonebook to intercept funds.
Acceptance, Use and Next Steps
Cardless withdrawal is a powerful feature, but knowing its limits ensures you use it effectively across Nigeria.
Where It’s Accepted: The service is primarily accepted at ATMs owned by your specific bank. For instance, a cardless code generated with Access Bank will only work at an Access Bank ATM. It generally does not work on other banks’ ATMs (interbank networks) or many standalone ATMs operated by independent companies, even in major hubs like Lagos or Port Harcourt. Always look for your bank’s logo on the machine.
Key Limitations: There are daily transaction limits, often lower than regular ATM withdrawals. For example, your bank may allow only ₦20,000 per day via cardless withdrawal, compared to ₦100,000 with your physical card. Also, the service is dependent on stable network connectivity for both your phone and the ATM.
Your Next Steps: If you haven’t already, download your bank’s official mobile app and ensure your registered phone number is up-to-date at your branch. Practice generating a withdrawal code for a small amount (like ₦500) when you don’t urgently need cash, so you’re familiar with the process during a real emergency. Finally, always have a backup plan, such as knowing the location of your nearest bank branch.
Frequently Asked Questions
Can I withdraw money without my card from any ATM in Nigeria?
No. Cardless withdrawal typically works only at ATMs owned by your specific bank. You cannot use your GTBank code at a FirstBank ATM, for example. Always go to your bank’s branded ATM, preferably at a major branch, to ensure the “Cardless Withdrawal” option is available on the screen.
What is the maximum amount I can withdraw without an ATM card?
The limit varies by bank but is usually lower than your regular ATM limit. For most Nigerian banks, the cardless withdrawal limit ranges from ₦20,000 to ₦50,000 per day. You can check your specific limit by dialing your bank’s USSD code or checking the “Quick Cash” section of your mobile banking app.
I lost my phone and ATM card. How can I get my money?
Visit your bank branch physically with a valid government-issued ID (National ID, Voter’s Card, Driver’s License, or International Passport). You will need to fill out forms to first report the lost phone and card, and then request an over-the-counter withdrawal. This process can take several hours, so go prepared.
Is cardless withdrawal safe from hackers?
Yes, it is secure if you follow precautions. The unique code is time-bound and works only once. The greatest risk is you sharing the code or your PIN with someone. Never give these details to anyone, including people claiming to be from your bank. Always initiate the transaction yourself from your registered phone.
Do I need internet data to use cardless withdrawal?
Not necessarily. You can initiate the transaction using your bank’s USSD code (e.g., *737#), which works without mobile data or a smartphone. However, if you prefer using your bank’s mobile app to generate the code, you will need an active internet connection.
How long does the withdrawal code last before it expires?
The validity period is usually 24 hours from the time you generate it. However, some banks may have a shorter window, like 6-12 hours. The confirmation SMS you receive will often state the expiry time. Do not generate a code too far in advance of when you plan to visit the ATM.
Can someone else collect the cash for me with the code?
Yes, this is possible. You can generate the code and send it to a trusted friend or family member. They can then go to your bank’s ATM, enter the code, and collect the cash on your behalf. Ensure you trust the person completely, as handing over the code is like giving them cash.
Why was I charged a fee when the transaction failed?
Some Nigerian banks charge an instant reversal fee (around ₦50) if a transaction fails after the code has been generated. This is because the service was initiated and reserved. Always ensure you are at the correct ATM and have a stable network before generating your code to avoid this charge.
Disclaimer
This article is for informational purposes only and reflects general banking procedures in Nigeria. Banking terms, fees, and processes are subject to change by individual financial institutions. Always confirm specific details, limits, and charges directly with your bank via their official customer service channels or website before proceeding with any transaction. The author is not a licensed financial advisor, and this content should not be taken as definitive financial or legal advice.