Currently, a cardless withdrawal comes in handy in many ways. Sometimes you will visit an ATM, only to find out you didn’t even hold your card along with you and you need to withdraw urgently, but you have misplaced your card. or you get caught up in a situation you really need cash, but you don’t have your card with you.

Today’s post, you will discover how to do Access bank cardless withdrawal (Paycode) should in case you forgot or aren’t in possession of your ATM card or debit card.

In case you don’t know, Access Bank is a Nigerian multinational commercial bank that is owned by the Access Bank Group and it is licensed by the Central Bank of Nigeria. Access bank is a large financial services provider and is presently one of the largest banks in Nigeria in terms of assets, loans, and deposit with branch networks. This bank was founded in 1989 and headquartered at Plot 999c, Danmole street off Adeola Odeku/Idejo street, Victoria Island, Lagos.

About The Access Bank Paycode

Most at times we forget to carry our ATM cards with us and in case you are faced with such an obstacle, what will you do?

Well, there is no need to panic as Access bank has giving you the opportunity to carry out cardless ATM withdrawal via designated machines in Nigeria.

READ ALSO- Ecobank ATM cardless withdrawal Step By Step Process

However, this Access bank cardless cash (paycode) gives you the ability to withdraw money from an ATM without using your debit card. But instead, you can opt to receive a unique code from your bank to your phone (either by text message or within your mobile banking app) so you can use it at an eligible ATM to verify your cash withdrawal.

Here Are The Step By Step Procedures Por Using Access Bank Cardless (paycode) withdrawal

Please note that Access bank offers this service via their banking USSD code which is *903#.

  • Just dial *903# from your phone and select Withdraw Money option
  • Next, select ATM Withdrawal option.
  • Then enter the Amount you want to withdraw and validate the transaction with your card PIN.
  • Once done, you will receive a transaction code for successful withdrawal.
  • Make sure you keep the code and visit any of their nearest ATM
  • Then press ‘0’ to perform the cardless (paycode) withdrawal.
  • After which, select Access Money and Input your Phone number, Amount Initiated, and the transaction code received and select continue.
  • Once done, you will now receive your cash from the ATM.

Please note that you can use any kind of phone to make this transaction and it does not need any internet connection.

This cardless withdrawal (paycode) comes very handy when you need to withdraw money from the ATM and you don’t have your ATM card with you, now you can see this as your saving grace. Please note that this cardless withdrawal doesn’t save you the stress of having to queue up at the ATM. But since cardless withdrawal works via USSD code, it means that Cardless withdrawal is feasible if only you have the phone bearing the phone number associated with your bank account. And it also works via internet banking websites for some banks.


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