How To Withdraw Money From ATM Without Using A Card

Even the most collected and neat people will once find themselves needing to withdraw cash from the ATM despite not having their card with them. The good news is that nowadays there are plenty of opportunities to get the cash you need without your card on hand. Here is how to do it in Nigeria’s 3 most popular banks.

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1. Access Bank

Access Bank makes it easy for its customers to withdraw cash despite not having a debit card with them. All you need is a mobile phone with a number you use for Access Bank services. These simple steps will help you get the money you need no matter where you are:


Read more: Full List Of All Mobile Phone USSD Codes For Banks In Nigeria


  1. Dial *903# from your mobile phone.
  2. Choose “Withdraw Money” from the menu.
  3. Specify the amount of money you need and enter your PIN number to confirm the transaction.
  4. The bank will send you an SMS with a code. Don’t delete it yet!
  5. Find the nearest Access Bank ATM and press 0 to withdraw cash without a card.
  6. Enter your phone number, code from the SMS, and the desired amount of money.
  7. Confirm and receive the requested sum from the ATM.

2. GTBank

GTBank is one of the innovators in the Nigerian bank industry, and in addition to the standard method of withdrawing cash from the ATM using SMS, it also gives you an opportunity to get cash from the ATM using a mobile application. Here is how to do it:

  1. Download the GT-World app, which is available in the App Store for iPhones, Google Play Store for Android devices, and BlackBerry World for BlackBerry smartphones.
  2. Log into the app using your GTBank user ID and password.
  3. Go to full menu -> Banking -> Cardless withdrawal. You can withdraw cash from a GTBank ATM or another bank’s ATM. Specify the type of ATM you plan to use.
  4. Fill out the form and click Continue. Enter your PIN number or token number.
  5. You will immediately receive an SMS with a code. Locate the nearest ATM.
  6. You will need to enter the SMS code into the ATM menu along with the desired amount of cash. Confirm the transaction and receive the money from the ATM’s cash dispenser.

Read more: How To Block Your Bank Account And SIM Card In Case Of Emergency


3. Zenith Bank

Zenith Bank is one of the banks operating in Nigeria that allow its customers to withdraw any amount of cash from the ATM even without their bank card at hand. To withdraw your funds using Zenith Bank’s access system, you will need to take the following steps:

  1. Dial *966*60# from your phone that is associated with your Zenith Bank account.
  2. From the subsequent menu, choose option #7.
  3. Enter the desired amount of money and confirm your request with your PIN number.
  4. You will then receive a 12-digit code via SMS. Save it until you get to the nearest ATM.
  5. You can withdraw cash both from Zenith Bank ATMs and other ATMs that belong to Nigerian banks as long as they are Quickteller-enabled.
  6. Go to Quickteller Cash Out -> Cardless withdrawal. Enter the amount of money you specified earlier, along with your confirmation code from the SMS.
  7. Receive the desired amount of cash from the cash dispenser.

Read more: How Do Banks Handle A Deceased Customer’s Money?


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My name is Inna. I am a content writer with an English and literature background. As a mother of a 3-year old son, I love learning about children’s health and development, as well as finding new interesting toys and activities for my little one. I am also in love with all things tech and always keep my finger on the pulse of new smartphone and gadget releases. Another big passion of mine is beauty and makeup – every day I read about new trends in skin care and makeup and always look forward to trying them. Plus, I love pop culture, travelling, crafts, and anything that can make our daily life more thrilling!