New Access Bank Cardless Withdrawal 2023 (Complete Guide No Card)


On this page, I will show you how to withdraw from access a bank ATM without your ATM card. Access bank cardless withdrawals have been available to help in times of need. Maybe you forgot your ATM card, but don’t worry you can withdraw money without it.


I have taken my time to research and find out what works. There are other ways that you can withdraw money without your ATM card. Any day and time that you are stranded without money, use the guide below to withdraw some cash from the ATM.


This also saves you from stress and fear of losing your card to scammers. I have been enjoying access to bank ATM cardless withdrawals for a long. Let me share the good news with you.

This works with other bank ATM cards. So if you are at a place where you can’t locate access bank ATM. Use the same method on any ATM card that’s available.

Here is a step-by-step guide on how to withdraw money from access a bank ATM without an ATM card.


access bank cardless withdrawal


How To Withdraw From Access Bank ATM Without Card Via USSD Code


Before, I get down on this method. First, you need to activate Access bank mobile banking ( ussd banking). You must have activated the use of ussd codes to perform banking operations. If you haven’t, read our full guide on Access Bank USSD Code ( Mobile banking Codes)

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Once you have activated access bank mobile banking codes, follow the procedures below to withdraw from the access bank ATM card.

  • Dial *903# from your phone and select the “Withdraw Money” option
  • Press the “ATM Withdrawal” option.
  • Enter the Amount and validate the transaction with your PIN.
  • You will receive a transaction code for successful withdrawal. Make sure that you keep the reference code saved.
  • Locate the nearest Access ATM
  • Press ‘0’ to perform a cardless withdrawal.
  • Select Access Money and Input your Phone number, Amount requested for withdrawal, and the transaction code received and press continue.
  • Wait patiently your cash will be dispensed.


Access Bank Cardless Withdrawal Via Mobile App


Here is another simple way that you can withdraw money from access bank ATM without your ATM card. Before we get into this, you need to have an active access bank mobile app account. If you have your Banking ID login, but if you haven’t read full get on Access Bank Mobile Banking App to get started.

  • Log in to your mobile banking dashboard.
  • Select Cardless withdrawal.
  • Choose an account if you have more than one access bank account.
  • Enter the amount of money you want to withdraw.
  • Input your withdrawal one-time password sent to your phone and your transaction pin.
  • Now, a message of successful withdrawal will be sent to you. That’s your reference code for withdrawal.
  • Locate any ATM that supports cardless withdrawal and cash out your money.
  • Follow the instructions on the ATM screen and complete your transaction. Make sure that you enter the right reference code.
  • Then, wait for the ATM to dispense your cash.
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How To Withdraw Through Access Bank Agent Without ATM Card


How To Withdraw Through Access Bank Agent Without ATM Card


If you found yourself in a place that access bank ATM is not. But you access to meet an access bank agent. When you see an access bank money agent follow the steps below to withdraw without your ATM card.

  • Visit any of our Access Money Agents nearest to you
  • Dial *903# from your phone and select the “Withdraw Money” option
  • Select the “Agent Withdrawal” option.
  • Enter the Amount, and Agent Code and validate the transaction with your PIN.
  • You will receive a notification via SMS that your transaction has been processed.
  • Receive the cash from the agent.



Hope you have learned the process to perform access bank cardless withdrawal. Use this method, any time you forget your ATM.

I have written more articles about access bank digital banking. You can check out more to enjoy easy mobile banking.


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