How To Use Access Bank Cardless Withdrawal

Access Bank cardless withdrawal is a feature that allows customers on Access Bank Plc to withdraw money from an ATM, Access Money Agent, or POS center without the use of their debit card (ATM card).

So, don’t worry whether you have an Access Bank debit card with you or not, you can still get that emergency money out of the Access Bank account without using an ATM card.

Also note that the service enables users and non-users of MTN, GLO, AIRTEL, and 9Mobile (Etisalat) mobile money to withdraw cash from any Access Bank account owned by them without using an ATM card.

Are you an Access Bank customer looking forward to knowing how to activate cardless withdrawal, I will be sharing with you the step-by-step guide on how to carry out cardless withdrawal with Access Bank Plc.

Note that the Access Bank USSD cardless withdrawal code that will get you started is *903# and must be dialed on your registered line and following the on-screen message for a successful drive to cardless withdrawal with the Access Bank Nigeria.

Here’s the Access Bank ATM cardless withdrawal step-by-step process.

What do I need to carryout Cardless Withdrawal on Access Bank Account?

To activate cardless withdrawal on your Access Bank account, you’ll need the following:

  • Phone number linked to your Access Bank account (Alert SMS).
  • Access Bank Mobile Banking App.
  • Strong internet connection.
  • A smart or not smartphone.
  • Access Bank USSD Cardless withdrawal Code.

If you have the above requirement in place, let’s proceed on how to activate cardless withdrawal with the Access Bank Nigeria Plc.

What is Access Bank USSD Code For Cardless Withdrawal?

Just like every other feature, you can access cardless withdrawal on Access Bank using the Access Bank USSD code *903#. Yes! *903# is really the Access Bank USSD cardless withdrawal code if you ever asked such a question.

How Does Access Bank Cardless Withdrawal Work?

How to perform cardless withdrawal Access Bank works in 3 ways, they are as follows:

  • Access Bank ATM Cardless withdrawal.
  • Access Bank Mobile App cardless Withdrawal.
  • Access Bank POS cardless withdrawal/Access Bank Agent.

How To Use Access Bank Cardless Withdrawal

Access Bank Cardless Withdrawal

Here’s how does Access Bank do cardless withdrawal.

How to withdraw from Access Bank ATM without card?

Looking for how to withdraw from Access Bank ATM without card, follow the steps below:

  • Dial Access Bank USSD cardless withdrawal code *903# from your phone number linked with Access Bank Plc.
  • Select “Withdraw Money” option.
  • Select “ATM Withdrawal” option.
  • Enter the Amount and validate the transaction with your card PIN.
  • You will receive a transaction code for successful withdrawal.
  • Keep the code and visit any of Access Bank nearest ATM.
  • Press “0” to perform a cardless withdrawal.

Alternative to withdraw money from the Access Bank ATM without using your Access Bank ATM card, see other steps below:

  • Dial Access Bank Plc USSD code for cardless withdrawal *903# and most be on your ALERT SIM CARD.
  • Select other service.
  • Select Cardless Withdrawal.
  • Select 1 for self withdrawal or 2 for third party withdrawal depending on the one you wish doing.
  • Select account
  • Input the amount you wish to withdraw.
  • Following the command prompt, you’ll receive a transaction code for successful withdrawal.
  • Now, visit any cardless withdrawal enabled ATM machine near you.
  • Press ZERO (0) to perform a cardless withdrawal using the transaction code you received earlier.

How To Do Cardless Withdrawal On The Access Bank Mobile App

You can withdraw money from an Access Bank ATM without using your ATM card in another simple way aside from the above-mentioned. To do this, you must have an active Access Bank Mobile App account before we can proceed.

If you have your Access Bank Internet Banking ID, log in; however, if you haven’t read the entire article, learn to download the Access Bank Mobile Banking App to get started.

Here’s how to get money from Access Bank Mobile App without an ATM card.

  • Login to your Access Bank mobile banking App.
  • On your Access Bank mobile banking dashboard, select Cardless withdrawal.
  • Select the ACCOUNT if you have more than one Access Bank account.
  • Enter the amount of money you wish to withdraw.
  • Input your withdrawal OTP (one time password) sent to your phone.
  • Enter your transaction PIN.
  • Now, you’ll get a successful withdrawal message sent to you. That will be your reference code for your cardless withdrawal.
  • You’ll have to locate any ATM that supports cardless withdrawal and cash out your money.
  • Once you locate the ATM, follow the instructions on the ATM screen and complete your cardless transaction. Please, do make sure that you enter the right reference code wish was sent to you.
  • After this, wait for the ATM to dispense your cash.

PAY ATTENTION: If you got a dispense error message, see How I Resolve My Access Bank Dispense Error and get my money bank.

How To Use Access Bank POS cardless withdrawal/Access Bank Agent

How to withdraw through Access Bank Agent without ATM card or get money from Access Bank POS cardless withdrawal, pay attention here.

If you find yourself in a situation where access to a bank ATM is not possible, however, you have the opportunity to meet with a bank representative. If you come across an Access Bank Money Agent/POS center, follow the instructions below to withdraw cash without using your ATM card.

  • Visit any of Access Money Agent/POS center nearest to you.
  • Ask if they are doing cardless withdrawal or Request that you want to do cardless withdrawal with Access Bank Nigeria Plc.
  • You will be asked to dial *903# from your phone, do so and follow the prompt.
  • Select “Withdraw Money” option.
  • Select “Agent Withdrawal” option.
  • Input the Amount, Agent Code and validate the transaction with your PIN.
  • You will receive a notification by SMS that your transaction has been processed.
  • If successful, you’ll receive the cash from the agent.

What is the Access Bank cardless withdrawal limit?

Want to know what is the daily limit for cash withdrawals from Access ATMs? The daily ATM withdrawal limit ranges from N1,000 – N20,000, N20,000 – N50,000, N50,000 – N100,000, or N100,000 – N300,000 naira depending on your card type.

This also depends on the type of Access Bank account you operate whether saving, current, or others.

On this page, I successfully guide you on how to withdraw from Access Bank ATM, Mobile App, or Access money agent without your ATM card.

The Access bank cardless withdrawal has been available to help in time of need. Maybe you forgot your ATM card at home or lost it at the moment but need money at hand, don’t worry you can withdraw money without it.

Just follow any of the above-mentioned steps regarding cardless withdrawal with Access Bank Plc and get your money from your Access Bank account without the need for an ATM card.

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Njoku Valentine

Hi! Am Njoku Valentine Ernest popularly known as ValErnest, am the admin of GenGuide blog, I love sharing general guides ranging from tech gist, updates, reviews, latest happening, and listing in any area that may interest my audience. Am a graduate of The Federal Polytechnic Bida, Niger State in the Computer Science department.

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