EcoBank Cardless Withdrawal 2025

EcoBank Cardless Withdrawal: EcoBank has made it easier to withdraw money from their ATMs without needing a physical card. This blog post will show you the simple steps to make cardless withdrawals at EcoBank ATMs.

You no longer have to carry a physical card; all you need is your smartphone and a few taps on the ATM. EcoBank is all about making it convenient for you to access your money. 

Whether you’re a long-time customer or new to digital banking, we’ll guide you through the easy process of cardless withdrawals. It’s a hassle-free way to get your cash without the need for a card!

Now let’s learn How to Withdraw Money from EcoBank ATM Without a Card!

See also: How to Check Eco Bank Account Balance

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 EcoBank 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 Do Ecobank Cardless Withdrawals Work?

Ecobank’s Xpress Cash withdrawals use e-tokens, single-use 8-digit codes that you generate on your phone for an amount of your choosing. You can then take this code to an ATM where you can use it to actually make your withdrawal, but you can also send it to a friend or a family member for them to use it themselves, as a way to send them cash quickly.

How to Withdraw Money Using Ecobank’s USSD Code

To use this method, simply follow the steps below:

Make sure that you have already activated USSD service. You can use our guide here if you haven’t!

• Dial the USSD short code for your country on your phone. In Nigeria and most other countries, it is *326#.
• Follow the on-screen instructions to generate a one-time Xpress Cash e-token for the desired amount.
• Find an Ecobank ATM and select the “Cardless Withdrawal” option.
• Enter the e-token number you’ve generated on your phone.
• Enter the desired amount.
• Press the “enter” button and collect your cash!

How to Withdraw Money Using Ecobank’s App

To use this method, simply follow the steps below:

• If you haven’t already, download the Ecobank mobile app on the Apple App Store or the Google Play Store and log in with your bank details.
• Once you’re logged in, select “Cardless Withdrawal” in the menu and click on “Xpress Cash”.
• Select the ATM option, then choose the account you want to withdraw from.
• Input the amount you want to withdraw.
• Take note of the generated e-token.
• Find an Ecobank ATM and select the “Cardless Withdrawal” option.
• Enter the e-token number you’ve generated on your phone.
• Enter the desired amount.
• Press the “enter” button and collect your cash!

NOTE: Some ATMs do not use the word cardless withdrawal but they use PayCode. So select the pay code and proceed with your transaction.

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

How to Withdraw Money from Eco bank using Fingerprint

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

Related search: ECO Bank transfer code: ECO Bank USSD Codes

Common Issues and Troubleshooting

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

Code Not Working: Ensure you’re inputting the code correctly.

Expired Code: These codes have a short lifespan. If it’s expired, you’ll need to initiate a new transaction.

Network Issues: If the network is down, the USSD and mobile app methods won’t work. You’ll need to wait.

Frequently Asked Questions

How do I withdraw money from my Ecobank ATM?

How an ATM works

• PIN. Insert your card into the machine and enter your PIN (Personal Identification Number) given to you by Ecobank.
• Balance. Check your balance by selecting this option on the screen.
• Cash. Select the cash withdrawal option and indicate how much money you want. The machine will dispense this amount.

What is the code for Ecobank cardless withdrawal?

The Ecobank cardless withdrawal concept, Xpress Cash, enables users to withdraw cash from ATMs using only a mobile phone, no ATM card is required. The solution is seamless, secure and is driven by the generation of a code (e-token) by an account holder via the bank’s USSD code *326# or mobile app, Ecobank Mobile.

How do I find my Ecobank pin?

What if I forget my PIN? Click on the Forgot PIN link on the APP, then click on call now for the contact center to reset your PIN.

Does Ecobank have WhatsApp number?

Call us 24/7 on 0700 500 0000. Send a mail to ENGContactcentre@ecobank.com. Chat with our Customer Care Executive on our website www.ecobank.com or via your Ecobank Mobile App. Chat with us via WhatsApp on (234) 808 760 3717 is it the nearest Ecobank branch.

Dynablog’s Conclusion

EcoBank Cardless Withdrawal offers a convenient way to access cash from your account without your physical debit card. By using the bank’s mobile app or USSD code, you can initiate a cardless withdrawal, generate a one-time code, and then visit an EcoBank ATM to complete the transaction securely. This method ensures you have easy access to your funds, even without your card.