FCMB Bank Cardless Withdrawal 2023: How to Withdraw Money from FCMB Bank ATM Without a Card

FCMB Bank cardless withdrawal: How to Withdraw Money from FCMB Bank ATM Without a Card: Hello Techspikers, we’ve got something really special for you today that fuses technology with sheer practicality, FCMB Bank’s cardless withdrawal feature. 

Now, we’ve all been there, right? That moment when you reach for your wallet, sift through it, and realize your ATM card is missing. 

Your heart sinks, especially when you desperately need cash. Whether you’ve left it at home, misplaced it, or even worse, lost it, the situation is far from ideal. 

Well, let me tell you, FCMB Bank has rolled out a solution that is nothing short of revolutionary.

In this post, I will explain to you what a cardless withdrawal is, how you can withdraw money from an ATM card without a card, and some Frequently Asked Questions.

See Also:

• How to check FCMB Account Number on Phone
• FCMB Bank transfer code – List of FCMB Bank USSD Code
• How to Unblock Your FCMB Bank Account and ATM Card
• How to check BVN on FCMB
• How to transfer Money from FCMB Bank
• How to buy Data from FCMB Bank
• How to check FCMB Bank Statement of Account on Phone

What is a Cardless Withdrawal?

Before we dive into the details, let’s clarify what we mean by ‘cardless withdrawal.’ This is a feature that allows you to withdraw cash from an ATM without using your physical ATM card. Sounds magical, right? 

Well, it kinda is. You can initiate the process using the FCMB Bank mobile app or USSD code, and then walk up to the ATM to get your cash. No card is required!

Why Use Cardless Withdrawal?

There are several reasons you might want to use this feature:

• Emergency Situations: Forgot your wallet? No problem. You can still get cash.
• Safety: If you’re in a location where carrying a card might be risky, leave it at home and go cardless.
• Convenience: Sometimes, it’s just easier not to worry about another piece of plastic.

How To Withdraw From an FCMB ATM Without an ATM Card

Simply log in to FCMBOnline and follow these simple steps:

• Click on ‘Cardless Cash’ and select ‘Cardless’
• Complete the information in the tabs then click ‘Generate Paycode Token’
• Visit any ATM, push ‘Enter’, and select the ‘Paycode Cashout Option’
• Insert the 8-14-digit withdrawal code received
• Insert 4-digit Cash-Out PIN created
• Insert the amount and submit

It’s that simple!

You can also send the Withdrawal Code and Cash-Out PIN to your friends and family anywhere in Nigeria to get cash from any ATM.

Please note that there is a withdrawal charge of N100 per transaction and you cannot withdraw more than N20,000 at once.

The ATM doesn’t have to be only FCMB Bank ATM, it can be any nearest ATM. The same method applied.

NOTE: Most ATMs do use the word cardless withdrawal but they use PayCode. Select the pay code and proceed with your transaction.

UPDATE: FCMB Bank has launched a Biometric withdrawal support ATM. This implies that as an FCMB Bank customer, you can use your fingerprint to withdraw. 

Locate any FCMB Bank ATM that supports the biometric withdrawal option. Select fingerprint and follow the on-screen guide to withdraw. You can now withdraw from the FCMB Bank ATM using your fingerprint. 

Common Issues and Troubleshooting

Sometimes, things don’t go as planned. Here are some issues you might face:

1. Code Not Working: Ensure you’re inputting the code correctly.
2. Expired Code: These codes have a short lifespan. If it’s expired, you’ll need to initiate a new transaction.
3. Network Issues: If the network is down, the USSD and mobile app methods won’t work. You’ll need to wait.

What is the cardless code for FCMB?

When you want to pay for goods or services, Cashier selects “Pay with USSD” on the POS. Cashier enters the amount on POS Terminal. A 4-digit Reference Code is generated and displayed on POS terminal. Dial *329*000*refcode# on your mobile phone and authenticate your transaction by entering you *329# transaction PIN.

TechSpike’s Conclusion on FCMB Bank Cardless Withdrawal in 2023

We went through the concept of cardless withdrawal, the benefits, and the straightforward ways to make it happen via USSD. 

The beauty of this feature is that it’s more than just a technological advancement; it’s a real-life problem solver. I mean, who hasn’t had a minor panic attack at the thought of losing their ATM card?

With FCMB Bank’s cardless withdrawal feature, those moments are a thing of the past. 

This is not just about innovation; it’s about adding genuine value to everyday life. You can now breathe a sigh of relief next time you step out and forget your card; FCMB Bank has got you covered. Plus, this adds an extra layer of security to your transactions. 

You no longer have to worry about losing your card and someone misusing it. So, the next time you’re in a pinch and need cash, remember, that you’re just a few taps or dial tones away from getting your money. 

If you’ve tried this feature or have any questions about it, we’d love to hear from you. 

Drop a comment below, and let’s get the conversation going. Until our next tech deep dive, stay savvy, Techspikers!