How To Use Ecobank Cardless Withdrawal

Using the Eco Bank Cardless Withdrawal, you can now withdraw money without your Naira debit card by authenticating a request on the Ecobank mobile banking app, internet banking platform, or USSD.

This way, Eco Bank customers can withdraw money from ECObank without ATM card. Not just that, you can also send money to your business partner, friends, and family members using this method.

How can I do this? Generate a PayCode, send them the paycode and this will enable them withdraw money from Ecobank ATM or from any cardless enabled ATM withdrawal machine nationwide.

Following this article, I am going to share with you the step by step guide on how to withdraw money from ATM without using your Eco Bank debit card. Get ready and ensure you follow the details below.

How to withdraw from Eco bank without debit card

To use Ecobank cardless cash withdrawal, you need to first download Eco bank Mobile App or make use of Eco bank USSD code (USSD stands for “Unstructured Supplementary Service Data”).

Initiating the Ecobank cardless withdrawal code must be done on your registered phone number with Ecobank Nigeria Plc. So make sure you have that number handy anytime you wanted doing cardless withdrawal using your Eco bank account.

Withdraw Cash Using Ecobank Cardless Withdrawal Code

Cardless withdrawal Ecobank Nigeria via USSD work like this:

  • Dial the Eco bank USSD code *326#.
  • On the Ecobank Mobile Banking welcome page, select the Xpress service that describes your request “Cardless Withdrawal”.
  • Follow the on screen information to generate your one time pay code.

How To Withdraw Money From Ecobank ATM Using Eco Bank Mobile App

Here is how to generate Ecobank cardless withdrawal PayCode or Reference Number before locating any ATM enabled machine for withdrawal:

To get started, make sure you’ve downloaded Ecobank mobile app from Play Store or App Store depending on your device. After that, register with your Ecobank card details.

Follow these steps to generate Ecobank Paycode for cardless withdraw:

  • Login to your Ecobank Mobile App using your UserID and password.
  • Select “Cardles withdrawal” from the menu.
  • Click on “Xpress Cash”.
  • Next, you will be ask to choose between “ATMs” or “Xpress Cash Agent”.
  • Input the Ecobak account you want to make withdrawal from (must be owned by you).
  • E-tonken, Reference Number or Paycode will be send to your registered phone number with Eco bank.
  • Take the toke/paycode to any Ecobank ATMs or any cardless enabled ATM owned by other banks to get your cash.

Note that the above steps help you in generating the Ecobank cardless withdrawal Pay Code. To get your cash on ATM cardless enabled, follow the steps below:

How to Withdraw cardless cash at the ATMs using the Eco Bank Nigeria Plc Account?

To get started, make sure you have gotten your cardless withdrawal PayCode then following the steps here:

How To Use Eco Bank Cardless Withdrawal

How To Withdraw Money From Ecobank Without ATM Card

Steps for Eco Bank’s ATM

  • Take your pay code and locate any Eco Bank ATM.
  • Press the “Enter” button on the ATM.
  • Select the “Cardless Withdrawal” option.
  • Enter “Reference Code/Paycode” received on your mobile phone upon initiating the transaction.
  • Enter “Amount” (This should be same selected when initiating request on Ecobank Internet Banking, USSD, or Mobile Banking).
  • Press “Enter” button to proceed.
  • Wait and collect your Cash.

How To Withdraw cash From Eco Bank Account without using a debit card at Other Banks ATM

Steps for Other Bank’s ATM.

  • 1 Take your Reference code and locate any Other Banks enabled cardless ATM.
  • Press “Enter” button on the ATM.
  • Select the “PayCode” option.
  • Enter “PayCode number” received on your mobile phone while initiating the transaction.
  • Enter pre-selected “Cash-Out PIN Number” selected on Internet Banking when initiating your request.
  • Enter “Amount” (This should be same selected when initiating request on Internet Banking, Eco bank USSD, or Mobile Banking).
  • Press “Enter” button to proceed.
  • Wait for the ATM to dispense your cash, then collect your money.

Benefits Of Using Cardless Withdrawal Ecobank

Some of the amazing benefits of using the Ecobank cardless withdrawal code are as follows:

  • Unlike an ATM card, you do not need to be concerned about accidental theft.
  • You can send your E-token to anyone, and they can use it to withdraw money from an Ecobank ATM. It’s a lovely method to send money.
  • You can easily cancel the e-token on the mobile app if you no longer want to perform the transaction.
  • It allows you to make withdrawals more quickly and easily.

Withdrawing money from an Eco bank account without a debit card it’s that simple, and as you correctly noted, you can do it without using your ATM card. So, don’t worry whether your Ecobank ATM card got lost, stolen or you left it at home not knowing before getting to the ATM stand, you can still make a withdrawal from your bank account without the card.

When someone says I want to go and withdraw money and you ask him/her which bank and they reply Ecobank, then you said but you’re not with an ATM card and the person reply “I will do cardless withdrawal”. To you, this sounds impossible, right?

Yes, it is possible just to get started using any of the above steps outlined in this article and you’ll get it possible.

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