Jaiz Bank Cardless Withdrawal: Easily Withdraw Money from Jaiz Bank ATM Without a Card 2024

Jaiz Bank Cardless Withdrawal:

jaiz bank cardless withdrawal

Ever been in a situation where you need to withdraw money from an ATM only to realize your card is nowhere to be found?

Maybe you misplaced it or forgot it at home.

In a situation like this accessing your funds can be a real hassle.

Now, imagine a world where getting your hands on your money doesn’t rely on having a physical card or being limited by when the bank is open. 

Enter Jaiz Bank Cardless Withdrawal – a straightforward solution built for simplicity. 

Whether you’re in a hurry, can’t find your card, or just want an easier way, Jaiz Bank has transformed the way you handle your cash.

In this post, we’ll explore the straightforward steps and the added convenience of Jaiz Bank’s cardless withdrawal. 

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From the Jaiz Bank cardless withdrawal code to understanding withdrawal limits, we’ve got you covered. 

in other words, here are some of what you’ll discover in this post:

  • Jaiz Bank cardless withdrawal
  • Jaiz Bank cardless withdrawal code
  • Jaiz Bank cardless withdrawal limit
  • How to use Jaiz Bank cardless withdrawal
  • How to do cardless withdrawal Jaiz Bank

So, let’s dive in and discover how to use Jaiz cardless withdrawal, making your financial moves smoother and more accessible than ever.

What Exactly is Jaiz Bank Cardless Withdrawal? 

Imagine being able to withdraw cash from an ATM without the need for your physical card – that’s exactly what cardless withdrawals enable you to do as a customer of Fidelity. 

All you have to do is start the process through the Jaiz Bank mobile app or USSD code, walk up to the ATM, and watch the magic unfold as you retrieve your cash, all without the need for your ATM card!

Why Use Jaiz Bank Cardless Withdrawal

Here are some reasons why knowing how to do Access cardless withdrawal can be handy.

  • Access your funds without the need for a physical ATM card.
  • Ideal solution when you forget or misplace your card.
  • Withdraw cash anytime, breaking free from traditional banking hours.
  • Unique codes and authentication measures for secure transactions.
  • Retrieve cash from any Jaiz Bank ATM, adding to overall convenience.

Now that you know the benefit, let’s go ahead to see…

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How to do Jaiz Bank Cardless Withdrawal

The USSD code to dial for Jaiz Bank cardless withdrawal is *773#

Here is how to do cardless withdrawals using the Jaiz Bank USSD code.

  • Simply dial *773# on your registered mobile number.
  • Choose “Cardless” or “Cardless withdrawal” from the options.
  • If not visible on the first page, navigate to the next page until you find it.
  • Select or input the amount you want to withdraw.
  • Select a 4-digit PIN for added security.
  • Confirm and submit your transaction.
  • An SMS will be sent to you within 3 seconds.
  • The SMS contains your Paycode or Token.

There you have the simple steps to initiate Jaiz Bank Cardless Withdrawal.

Another alternative to the above is using the mobile app.

How To Make Cardless Withdrawal Using Access Mobile App

  • Launch your banking mobile app.
  • If you don’t have it, download it from the Play Store or App Store
  • Sign in using your preferred method.
  • Go to your mobile app menu and click on “Cardless Withdrawal”
  • Choose the account to debit; typically, select your savings account
  • Or an account with available funds.
  • If prompted, select the cashout terminal, for example, ATM (e.g., for GTBank).
  • Select or input the amount you want to withdraw.
  • Choose any 4-digit PIN to authenticate the cardless withdrawal at any ATM.
  • Complete the process by clicking on “Continue” or “Submit.”


After these steps, an automated 11-digit number known as PAYCODE or TOKEN will be sent to your registered phone number.

This completes the cardless withdrawal setup, and you can proceed to the next and final step.

Once you have completed any of the above steps, you can proceed to the ATM stand to complete the withdrawal process.

How to Complete Cardless Withdrawal Process on ATM

To complete your cardless withdrawal at the ATM after receiving your PAYCODE or TOKEN, follow these steps:

  • Ensure you have received an SMS containing your Cardless withdrawal PAYCODE or TOKEN.
  • Open your message system app on your phone to retrieve it.
  • Click on any button on the ATM and insert your ATM card (even though you’re doing a cardless withdrawal).
  • On the ATM screen, choose the “Cardless Withdrawal” or “Paycode” feature and click on “PROCEED.”
  • Enter the 11-digit PAYCODE or TOKEN sent to you by your bank correctly.
  • Type the amount you wish to withdraw (excluding the automatic N100 fee).
  • Confirm your transaction by clicking on “PROCEED.”
  • The ATM will process your transaction, and if the details entered are correct, the money will be dispensed within one minute or less.


By following these steps, you can complete a cardless withdrawal at the ATM using the PAYCODE or TOKEN received on your phone.

You need to note that some ATMs do use the word cardless withdrawal but they use PayCode. Select the pay code and proceed with your transaction.

Note: Jaiz Bank has introduced a biometric-enabled ATM withdrawal feature. This means that as a customer of Jaiz Bank, you now have the option to use your fingerprint for withdrawals.

Here is how to use this method.

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How To Make Cardless Withdrawal Using Biometric

  • Locate an Jaiz Bank ATM that supports biometric withdrawal.
  • On the ATM screen, choose the “Biometric” option.
  • Follow on-screen instructions to place your registered fingerprint for verification.
  • Input the desired withdrawal amount.
  • Confirm transaction details and proceed.
  • Once approved, the ATM will dispense your money.

It’s as easy as the above steps.

Now let me give you some tips to make the process as hassle-free as possible.

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Tips for Jaiz Bank Cardless Withdrawal

  • Ensure your mobile number is linked to your Jaiz Bank account.
  • Double-check entered amounts and PINs for accuracy during the transaction.
  • Keep the received transaction code confidential and easily accessible.
  • Use a secure internet connection if using the mobile app for withdrawal.
  • Verify the ATM’s cardless transaction option is available before initiating.
  • In case of a biometric withdrawal, ensure your fingerprint is correctly registered with the bank.
  • Keep an eye on the expiration time of the transaction code.
  • If issues arise, contact Jaiz Bank customer support promptly for assistance.

There you have tips to help you withdraw money from Jaiz Bank without using an ATM card.

With that, you have everything there is to know about Jaiz Bank Cardless Withdrawal.

But if you still have any other questions, then check the FAQs below.

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Jaiz Bank Cardless Withdrawal FAQs

What is Jaiz Bank Cardless Withdrawal?

It’s a service allowing cash withdrawal from ATMs without a physical card, providing flexibility and convenience.

How do I initiate a Cardless Withdrawal using the USSD code?

Dial *773#, choose ATM withdrawal, enter the amount, authenticate with PIN, and receive a unique transaction code.

Is there a limit to the amount I can withdraw through Cardless Withdrawal?

Yes, there are withdrawal limits for cardless transactions.

Can I use Cardless Withdrawal if my phone number is not linked to my Jaiz Bank account?

No, it’s essential to have your mobile number linked to your account for security and transaction authentication. Ensure your contact details are up-to-date with the bank.

Are there any charges associated with Cardless Withdrawal transactions?

Yes, Jaiz Bank may apply transaction fees for cardless withdrawals. 

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FastNuggets on Jaiz Bank Cardless Withdrawal

Now, armed with the knowledge of Jaiz Bank cardless withdrawal, you can simplify your financial transactions and embrace the freedom it offers.

But our conversation doesn’t end here. 

We’d like you to share your thoughts and experiences with Jaiz Bank Cardless Withdrawal in the comments below. 

Have questions? We’re here to help!

Drop them in the comment and we’ll address them ASAP!

Also, explore more insightful posts on FastNuggets to elevate your financial knowledge. From banking tips to tech insights, we’ve got a wealth of information waiting for you.

Lastly, don’t keep this knowledge to yourself – share these valuable insights with friends and family. Empower them to discover the ease of Jaiz Bank Cardless Withdrawal.

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