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How To Use First Bank Cardless Withdrawal

As a First Bank user, First Bank cardless withdrawal is the rightful answer on how to withdraw money from ATM without debit card. The FirstBank ATMs are more than a cash machine.

Cardless withdrawal at First Bank Nigeria Plc enables customers to withdraw money from their First Bank account as well as deposit money into a FirstBank account without the use of an ATM card using any ATM terminal owned by First Bank or other banks ATM that supports cardless functionality.

To be able to withdraw money or pay for goods at a POS without your First Bank ATM card, you will need a 12 digit Paycode which will be sent to your mobile line as a test message.

Today, most ATMs in Nigeria are equipped with the cardless withdrawal option.  Unfortunately, not all banks in Nigeria have adopted this system of cardless withdrawal but First Bank of Nigeria did.

So, if you forget your First Bank ATM card at home, or it’s said to be lost or misplaced, this situation shouldn’t get you worried with the First Bank Card less Withdrawal, you can still get cash out of your account without using an ATM card.

The First Bank cardless withdrawal code that will get you going is *894*0# or dial *848*Amount#, do make sure you dial the code on your registered phone number that’s linked with your First Bank account (i.e your Alert SIM card).

Should in case you dial this First Bank cardless code on the phone number that’s not linked with the First Bank account, you’ll be prompt to open an account with the First Bank of Nigeria using the USSD code.

How To Register First Bank Cardless Transfer Code

To register the First Bank cardless transfer code start when you dial the *894*0# on your phone number linked to your account, get First Bank OTP withdrawal code, and proceed to any First Bank cardless enabled ATM or other banks ATM to cash your money out in Naira.

When you dial the First Bank cardless transfer code, and fill in your details correctly alongside your mPIN to authenticate your request, First Bank OTP code is generated, create a new PIN, and press the “SEND” button, a First Bank paycode will be sent to you.

How To Withdraw Money From First Bank ATM Machine Without My Card

I will share with you how to withdraw money without ATM card in Nigeria using First Bank Nigeria Plc.

Here is a step by step guide on how to withdraw money from the First Bank account without ATM card.

How To Use First Bank Cardless Withdrawal
First Bank Cardless Withdrawal

Do First Bank do cardless withdrawal? Yes, here is how to start! Find out how.

How Do I Use My First Bank Cardless Withdrawal

The steps below will guide you on how to withdraw from ATM without ATM Card as a First Bank user:

  • Dial *894*0# on your phone number linked to your account.
  • Type in detail and your mPIN to authenticate your request.
  • Generate a One-Time 4 digit PIN.
  • Create a new PIN and press “Send” button.
  • You’ll get an SMS that contains your First Bank PayCode.
  • Now, locate the First Bank enabled ATM machine or other banks ATM machine that support cardless withdrawal nearest to you.
  • At the ATM, press any key or press the “Enter” button.
  • Select the “Cardless Withdrawal” option.
  • On the next screen, enter the “First Bank Reference Code” you received on your phone.
  • Then enter the amount to be withdraw.
  • Press the “Enter” button to withdraw your money.

Alternative to how does First Bank do cardless withdrawal, follow the next steps below:

How To Withdraw Money From First bank Account Without An ATM Card

Here is another way on how to setup a First bank cardless withdrawal using the USSD code.

  • Dial *848*Amount#.
  • Fill in the required details carefully and authenticate the transaction with your First Bank USSD PIN.
  • Here, you will be asked to generate a 4-digit one-time PIN, create the PIN then press send.
  • You will receive a First Bank paycode through SMS or email.
  • Lastly, go to the nearest First Bank Cardless enabled ATM and cash out your money.

How to Withdraw Money at the ATM Machine with your cardless withdrawal Paycode/E-token Generated From First Bank Nigeria Plc

After generating the First Bank cardless withdrawal reference code or PayCode, use the following steps to collect your money on ATMs.

For First Bank’s ATM

  • Go to any First Bank cardless enabled ATM.
  • Press any “Key” or “Enter” button on the ATM.
  • Select the “Cardless Withdrawal” option.
  • Enter “Reference Code” that was generated and sent on your mobile phone.
  • Enter “Amount” (Note that this should be same selected when initiating request on First Internet Banking, USSD, Mobile Banking).
  • Press “Enter” button to proceed.
  • Wait and collect your Cash.

For Other Bank’s ATM

  • Locate any Other Banks ATM that supports cardless withdrawal.
  • Press “Enter” button or any “Key” on the ATM.
  • Select the “PayCode” option.
  • Enter “PayCode number” that was generate and sent on your mobile phone by First Bank Plc.
  • Enter pre-selected “Cash-Out PIN Number” selected on the First Bank Mobile Banking when initiating request.
  • Enter “Amount” (It should be same selected when initiating cardless withdrawal request).
  • Press the “Enter” button to proceed.
  • Wait patiently for the ATM to dispense your cash.

How To Withdraw Money From First Bank ATM Machine Using your Phone Number

First Bank of Nigeria introduces Pay Attitude to allow you to make cardless cash withdrawals from any FirstBank ATM using your phone number as your ATM card. It enables customers to authenticate transactions without having their cards.

PayAttitude makes transacting simple, seamless, and convenient and it is available on all FirstBank ATM terminals.

You can access PayAttitude with these simple steps and get cash without the First Bank debit card: 

  • Locate any First Bank cardless enabled ATM near you, and press any key on the FirstBank ATM.
  • Select PayAttitude.
  • Input phone number for sender (Note that the sender is the owner of the account from where cash would be withdrawn).
  • Input amount you wish to withdraw.
  • A prompt is sent to sender’s phone number (your phone number) to select account to debit.
  • Sender inputs USSD PIN (i.e your First Bank USSD 4 digit transfer PIN). Learn more about the First Bank USSD code.
  • Transaction is completed; wait while the ATM dispenses your cash.

Note that this service is available to First Bank customers who have the PayAttitude feature on their banks’ USSD channel.

What is the First Bank cardless withdrawal limit?

The First Bank Nigeria cardless withdrawal limit is between N1,000 – N20,000, N50,000 – N100,000, or N100,000 – N150,000 depending on the type of account you operate (Savings, Current, or others).

If you do want to know how to setup a First bank cardless withdrawal, the above steps are how to withdraw money without an ATM card/debit card from your First bank account.

First Bank Nigeria cardless withdrawal is seamless and convenient on any FirstBank ATM. There terminals are configured to allow both card-based and cardless cash withdrawals. 

This service is not just to First Bank customers only but to both FirstBank and other bank’s customers. First Bank ATMs are configured with tactile symbols to ensure easy transactions for visually impaired customers.

Related Post:

How To Generate First Bank Token Soft & Hard

General Guide On First Bank Mobile App

First Bank Internet Banking

Guide On First Bank USSD Code

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