Last updated on December 3, 2025
Life in Nigeria moves fast, and sometimes you need cash right away, but your ATM card is nowhere to be found. Maybe you left it at home, lost it, or simply prefer the convenience of digital transactions. Whatever the reason, First Bank of Nigeria understands this need, offering robust cardless withdrawal services that allow you to access your funds without a physical card. As of 2025, you can seamlessly withdraw cash from any First Bank ATM using either their USSD code or the FirstMobile app.
This guide will walk you through the entire process, ensuring you can quickly and securely get cash when you need it most, whether you’re at home or on the go.
Key Takeaways
- Two Primary Methods: Withdraw cash using either the First Bank USSD code (*894#) or the FirstMobile App.
- Generate a Paycode: Both methods involve generating a unique Paycode and a One-Time PIN (OTP) on your phone.
- ATM Interaction: Use the generated Paycode and OTP at any First Bank ATM to complete your withdrawal.
- Security is Key: Always keep your Paycode and OTP confidential and be aware of your surroundings at the ATM.
- Convenient & Secure: Ideal for emergencies, when you forget your card, or prefer a digital approach to accessing cash.
What is First Bank Cardless Withdrawal?
First Bank Cardless Withdrawal is a modern banking service provided by First Bank of Nigeria that enables account holders to withdraw cash from an Automated Teller Machine (ATM) without needing their physical Debit Card or Credit Card. It leverages mobile technology, transforming your mobile phone into a virtual card that generates unique codes for cash access.
This innovative service is a testament to the growth of digital banking in Nigeria, offering a secure and convenient alternative to traditional ATM withdrawals. It’s particularly useful in situations where you might have forgotten your card, it’s been lost or stolen, or you simply want to make a quick transaction without carrying plastic.
Key Benefits of Cardless Withdrawal
Opting for a cardless withdrawal offers several advantages that enhance your banking experience:
- Unmatched Convenience: No need to carry your ATM card everywhere. As long as you have your phone, you can access cash.
- Emergency Access: It’s a lifesaver if you’ve lost your card or forgotten it at home, ensuring you’re never stranded without cash.
- Enhanced Security: Since you’re not inserting a physical card, there’s no risk of card skimming. The Paycode and One-Time PIN (OTP) add an extra layer of protection.
- Speed and Efficiency: The process is quick, allowing for instant cash access without fumbling for cards or remembering multiple PINs for different cards.
- Reduced Card Dependency: Encourages a more digital approach to managing your funds, aligning with global trends in mobile banking.
How it Works: USSD vs. Mobile App Overview
First Bank offers two primary channels for initiating a cardless withdrawal:
- USSD Code (*894#): This method is accessible on any mobile phone, even feature phones, as it doesn’t require internet access. You dial a specific code, follow prompts, and receive your withdrawal codes via SMS. It’s straightforward and widely used for quick transactions.
- FirstMobile App: For smartphone users, the FirstMobile app provides a more feature-rich interface. You log into your app, navigate to the cardless withdrawal option, and generate your codes within the secure environment of the application. This method offers a visual guide and can be integrated with other banking services.
Both methods ultimately lead to the generation of a unique Paycode and an OTP, which you then use at a First Bank ATM to complete your cash withdrawal.
How to Use First Bank Cardless Withdrawal via USSD Code
The USSD method is incredibly handy, especially if you don’t have internet access or prefer a quick, direct approach. Here’s a detailed, step-by-step guide to withdrawing cash using the First Bank USSD code.
Step 1: Initiate the Transaction on Your Phone
To begin, simply dial the First Bank USSD code: *894# from the phone number registered with your First Bank account. This will bring up a menu of options. From this menu, you’ll select the option for “Cardless Withdrawal” or “Withdrawal without Card.”
You’ll then be prompted to enter your desired withdrawal amount. Remember to keep the amount within the daily limits set by the bank for cardless transactions.
Step 2: Generate Your One-Time PIN (OTP)
After entering the amount, the system will ask you to confirm the transaction using your USSD PIN. Once confirmed, First Bank will generate a unique One-Time PIN (OTP) for your transaction. This OTP is crucial for security and will be sent to your registered mobile number via SMS.
Keep this OTP safe and do not share it with anyone. It’s a critical component in authorizing your withdrawal at the ATM.
Step 3: Receive Your Withdrawal Paycode
In addition to the OTP, the system will generate a unique “Paycode.” This Paycode is a string of numbers that, along with your OTP, allows the ATM to identify and process your cardless withdrawal. This Paycode will also be sent to your registered mobile number via SMS.
You will typically receive both the OTP and the Paycode in separate messages or sometimes combined into one, depending on the bank’s system at the time.
Step 4: Complete Withdrawal at the ATM
With your Paycode and OTP in hand, head to any First Bank ATM. At the ATM, look for the option labeled “Cardless Withdrawal,” “Paycode Withdrawal,” or “Withdraw Without Card.” Select this option.
The ATM will then prompt you to enter the Paycode you received via SMS, followed by the OTP. After entering both correctly, the ATM will dispense your cash. Make sure to collect your cash promptly and confirm the transaction completion.
Using First Bank Cardless Withdrawal with the FirstMobile App
For those who prefer a more interactive experience and manage their banking through a smartphone, the FirstMobile app offers a seamless way to perform cardless withdrawals. Here’s how to do it:
Step 1: Log in to Your FirstMobile App
Open the FirstMobile app on your smartphone and log in using your user ID and password. Ensure you have a stable internet connection for a smooth experience.
Step 2: Select Cardless Withdrawal Option
Once logged in, navigate through the app’s menu. Look for options like “Cardless Withdrawal,” “Cash Out,” or “Generate Paycode.” The exact wording might vary slightly, but it will be clearly identifiable as a cardless transaction feature.
You will then be asked to select the account you wish to withdraw from and enter the amount you want to withdraw. Double-check the amount to avoid errors.
Step 3: Generate Paycode and OTP
After entering the amount and confirming your selection, the app will prompt you to authorize the transaction, usually by entering your transaction PIN or using your biometric authentication (if enabled). Upon successful authorization, the FirstMobile app will generate a unique Paycode and a One-Time PIN (OTP).
These codes will typically be displayed on your screen within the app and may also be sent to your registered mobile number via SMS for safekeeping. Make a note of them or keep the SMS handy.
Step 4: Finalize Withdrawal at the ATM
Proceed to any First Bank ATM. On the ATM screen, choose the “Cardless Withdrawal” or “Paycode Cash” option. When prompted, carefully enter the Paycode and the OTP you generated from the FirstMobile app.
Once both codes are entered correctly, the ATM will process your request and dispense the cash. Collect your money and confirm the transaction has been completed successfully.
Important Details: Limits, Fees, and ATM Availability
Before you make a cardless withdrawal, it’s helpful to be aware of some practical considerations. Understanding the limits, potential fees, and how to locate a suitable ATM can make your experience much smoother.
Daily Transaction Limits (by Account Type)
First Bank sets daily limits for cardless withdrawals to ensure security. These limits can vary based on your account type and the bank’s current policies. Typically, for most individual accounts, you might find a daily limit ranging from ₦10,000 to ₦50,000 per transaction or cumulatively for cardless withdrawals. It’s always a good idea to confirm the exact limits for your specific account either through the FirstMobile app, by contacting customer service, or by checking the bank’s official website as of 2025.
Attempting to withdraw an amount exceeding your daily limit will result in a failed transaction.
Associated Fees for Cardless Withdrawals
While cardless withdrawals offer immense convenience, they usually come with a small service fee per transaction. This fee is generally modest, often around ₦50 to ₦100, and is deducted directly from your account. The exact fee can be confirmed by First Bank’s customer service or within the FirstMobile app before initiating the transaction. These fees are standard for many digital banking services in Nigeria and cover the cost of processing the transaction.
Finding a First Bank Cardless-Enabled ATM
Most modern First Bank ATMs are enabled for cardless withdrawals. However, it’s always wise to ensure the ATM you plan to use supports this feature. You can usually identify a cardless-enabled ATM by looking for the “Cardless Withdrawal” or “Paycode” option displayed on the ATM’s initial screen. If in doubt, First Bank’s website and the FirstMobile app often have an ATM locator feature that can specify which ATMs support cardless transactions.
Generally, ATMs located at First Bank branches or major commercial areas are well-equipped for cardless services.
Paycode and OTP Validity Period
The Paycode and One-Time PIN (OTP) generated for your cardless withdrawal are not valid indefinitely. They typically have a limited validity period, often around 30 minutes to an hour. This short validity is a security measure to prevent unauthorized use if the codes fall into the wrong hands.
If your Paycode and OTP expire before you complete your withdrawal, you will need to generate new codes through either the USSD channel or the FirstMobile app. Always try to proceed to an ATM as soon as you generate your codes.
Security Tips for Safe Cardless Withdrawals
While First Bank’s cardless withdrawal service is designed with security in mind, your vigilance plays a crucial role in protecting your funds. Here are essential tips to ensure your cardless transactions remain safe and secure:
Keep Your Codes Confidential
Your Paycode and One-Time PIN (OTP) are like the keys to your cash. Never share them with anyone, not even bank staff. First Bank will never ask you for these codes over the phone, email, or SMS. Treat them with the same confidentiality as your ATM PIN or online banking password.
If someone requests these codes, it is a scam. Immediately report such attempts to First Bank customer service.
Be Aware of Your Surroundings at the ATM
Just like with traditional ATM withdrawals, it’s vital to be conscious of your environment. Choose well-lit and secure ATM locations, especially when making withdrawals at night. Before initiating your transaction, glance around to ensure no one is observing you. If you notice anything suspicious, consider using another ATM or returning later.
Cover the ATM keypad with your hand when entering your PIN (if required) or the OTP, even if you think no one is watching.
What to Do if Your Phone is Lost or Stolen
Your mobile phone is central to cardless withdrawals. If your phone is lost or stolen, it’s crucial to act immediately. Contact First Bank customer service to report the incident and request a temporary suspension of your mobile banking services or block any active Paycodes. Additionally, contact your mobile network provider to block your SIM card.
Taking swift action can prevent unauthorized access to your banking services and protect your funds.
Regularly Update Your Banking PINs
While the Paycode and OTP are transactional, your USSD PIN and FirstMobile app PIN are your primary security credentials. Make it a habit to change these PINs periodically. Avoid using easily guessable combinations like your date of birth, phone number, or sequential numbers.
A strong, unique PIN adds an extra layer of protection to all your mobile banking activities.
Troubleshooting Common First Bank Cardless Withdrawal Issues
Even with a straightforward process, you might occasionally encounter a hitch. Don’t worry, most common issues with First Bank cardless withdrawals have simple solutions. Here’s what to do if things don’t go as planned:
Paycode or OTP Not Received
If you’ve initiated a cardless withdrawal but haven’t received the Paycode or OTP via SMS:
- Check Network Signal: Ensure your phone has a strong network signal. Poor reception can delay SMS delivery.
- Verify Registered Number: Confirm you are using the phone number registered with your First Bank account.
- SMS Inbox Space: Check if your SMS inbox is full, preventing new messages from coming in.
- Wait a Few Minutes: Sometimes, there can be a slight delay in SMS delivery due to network traffic. Wait a few minutes before trying again.
- Re-initiate Transaction: If the codes still don’t arrive after a reasonable wait, cancel the previous attempt (if possible) and re-initiate the cardless withdrawal process.
Transaction Failed at the ATM
If you’ve entered your codes at the ATM, but the transaction fails or cash isn’t dispensed:
- Verify Codes: Double-check that you entered the Paycode and OTP accurately. Even a single incorrect digit will cause a failure.
- Check Validity: Ensure the Paycode and OTP haven’t expired. If they have, you’ll need to generate new ones.
- Insufficient Funds: Confirm you have sufficient funds in your account for the withdrawal amount and any associated fees.
- ATM Error: The ATM itself might be experiencing a technical issue. Try a different First Bank ATM if available.
- Contact Bank Immediately: If your account was debited but no cash was dispensed, collect the ATM receipt (if any) and immediately contact First Bank customer service.
Incorrect PIN or USSD Code Issues
If you’re having trouble with your USSD PIN or the USSD service itself:
- Forgotten USSD PIN: If you’ve forgotten your USSD PIN, you can usually reset it by dialing *894# and looking for the “Reset PIN” option.
- USSD Service Locked: Repeated incorrect PIN entries can lock your USSD service. You’ll need to contact First Bank customer service to unlock it.
- Incorrect USSD Dial Code: Ensure you’re dialing the correct First Bank USSD code (*894#).
Contacting First Bank Customer Support
For persistent issues or if you suspect fraud, it’s always best to contact First Bank’s customer support. You can reach them via:
- Phone: Check the First Bank website for their current customer service hotlines.
- Email: Send an email to their official customer support address.
- In-Branch: Visit any First Bank branch for in-person assistance.
- Social Media: First Bank often has active customer service teams on platforms like Twitter and Facebook.
When contacting support, be ready to provide your account details and a clear description of the issue you’re facing.
First Bank Cardless Withdrawal vs. Traditional ATM Withdrawal
Both cardless and traditional ATM withdrawals serve the same purpose: getting cash from your account. However, they each offer distinct advantages and disadvantages. Understanding these can help you choose the best method for your specific situation.
Convenience and Speed
Cardless Withdrawal: Offers superior convenience, especially when you’re without your physical card. The process of generating a Paycode and OTP is quick, and if you’re already at the ATM, the withdrawal itself is fast. It eliminates the need to carry multiple cards.
Traditional ATM Withdrawal: While generally fast, it requires you to have your physical card on hand. Forgetting or losing your card means no access to cash via this method.
Security Aspects
Cardless Withdrawal: This method can be argued to be more secure in some ways. Since you don’t insert a physical card, there’s no risk of card skimming. The Paycode and OTP are single-use and time-sensitive, reducing the window for fraud. However, it relies heavily on the security of your mobile phone and the confidentiality of the codes.
Traditional ATM Withdrawal: Involves the physical card, which can be vulnerable to skimming devices. There’s also the risk of your card being swallowed by the ATM. However, the use of a persistent PIN known only to you provides a strong layer of security.
Accessibility and Limitations
Cardless Withdrawal: Highly accessible as long as you have your registered phone and network signal (for USSD) or internet (for the app). It’s an excellent solution for lost cards. However, it’s limited to First Bank ATMs and has daily transaction limits and associated fees.
Traditional ATM Withdrawal: Generally works at any ATM that accepts your card scheme (e.g., Visa, MasterCard), offering wider accessibility. Daily limits can be higher than cardless withdrawals. The main limitation is the absolute necessity of the physical card.
Ultimately, cardless withdrawal is a fantastic option for emergencies, convenience, and an added layer of security against physical card fraud. Traditional withdrawals remain reliable for everyday use when your card is readily available.
FAQs about First Bank Cardless Withdrawal
Who can use First Bank’s cardless withdrawal service?
Any First Bank account holder in Nigeria with a registered mobile number linked to their account can use the cardless withdrawal service. This applies to both USSD and FirstMobile app users.
Can I send a generated Paycode to someone else to withdraw money?
Yes, you can generate a Paycode and OTP and share them with a trusted beneficiary. They can then use these codes at any First Bank ATM to withdraw the specified amount. This is a convenient way to send cash to family or friends in an emergency, but always ensure you trust the recipient completely and they understand the security implications.
Is First Bank cardless withdrawal safe?
Yes, First Bank cardless withdrawal is designed with security in mind, utilizing a unique Paycode and a One-Time PIN (OTP) for each transaction. This reduces the risk associated with physical card use. However, its safety largely depends on you keeping your mobile phone secure and your Paycode/OTP confidential.
Are there any special ATMs required for cardless withdrawals?
Most modern First Bank ATMs are enabled for cardless withdrawals. Look for the “Cardless Withdrawal” or “Paycode Cash” option on the ATM screen. If an ATM doesn’t display these options, it may not support the service.
What happens if I enter the wrong Paycode or OTP at the ATM?
If you enter an incorrect Paycode or OTP, the transaction will fail. After a few incorrect attempts, the system may temporarily block the Paycode for security reasons, or you might be prompted to re-enter the codes. If the codes expire or are blocked, you’ll need to generate new ones.
First Bank’s cardless withdrawal service is a powerful tool in your digital banking arsenal, offering flexibility and security for accessing your cash. Whether you prefer the simplicity of USSD or the robust features of the FirstMobile app, you now have a clear guide to navigate the process. Remember to prioritize security by keeping your codes confidential and being aware of your surroundings at the ATM. With these tips, you can enjoy the convenience of cardless cash access anytime you need it in Nigeria.
