Need to withdraw cash from an ATM but don’t have your Ecobank debit card with you, or don’t have one at all? No worries. With the Ecobank Mobile App, you can now make a cardless withdrawal using a secure e-token. This feature, called Ecobank Xpress Cash, is fast, safe, and available across Ecobank ATMs in Nigeria.

Whether you’ve forgotten your card at home or simply prefer not to carry it around, this guide will show you how to access your money without stress.

In this post, you’ll learn:

• What Ecobank Xpress Cash is and how it works.
• What you need to get started with Ecobank cardless withdrawal.
• A step-by-step guide to generate an e-token and withdraw from an ATM.
• Troubleshooting tips for common issues.
• Other ways to withdraw cash without using an Ecobank debit card.

Let’s start…

What is Ecobank Cardless Withdrawal (Xpress Cash)?

Ecobank Cardless Withdrawal, also known as Xpress Cash, is a convenient feature that allows you to withdraw money from any Ecobank ATM without using a physical debit card. Instead of inserting a card, you use a secure e-token code generated from your Ecobank Mobile App.

Here’s how it works:

• Use your Ecobank Mobile App, USSD code or Internet Banking and generate an e-token by selecting the Xpress Cash option.
• An 8-digit e-token code is sent to your phone via SMS.
• You go to any Ecobank ATM, select the Xpress Cash option, and enter the e-token and withdrawal amount.
• The ATM dispenses your cash instantly.

This method is completely secure. Each e-token is unique, can only be used once, and expires after a short time. So, even if someone gets access to the code, they won’t be able to use it later.

Note:
This post primarily focuses on using the Ecobank mobile app to perform cardless withdrawals.

Requirements to Use Ecobank Cardless Withdrawal

Before you can use the Ecobank cardless withdrawal feature, make sure you have the following:

• An active Ecobank account with mobile banking enabled.
• Ecobank Mobile App installed and activated on your smartphone.
• Mobile phone with SMS access to receive the e-token code.
• Access to any Ecobank ATM nationwide that supports the Xpress Cash option.

Once you have all these, you’re ready to generate an e-token and make a cardless withdrawal in minutes.

Steps to Generate an e-Token on Ecobank Mobile App to Withdraw Cash

Follow these simple steps to generate an e-token using the Ecobank Mobile App:

1. Open the Ecobank Mobile App on your phone.
2. Select the Xpress Cash option from the menu.
3. Tap on ATM to choose cardless withdrawal.
4. Enter the amount you want to withdraw.
5. Choose the account you want to debit.
6. Tap on Generate e-Token.
7. Enter your Ecobank Mobile PIN to confirm and authenticate the transaction.
8. You’ll receive an 8-digit e-token code via SMS instantly.

This code is what you’ll use at the ATM to complete your withdrawal.

How to Withdraw Money at the Ecobank ATM Using e-Token

Once you have your 8-digit e-token, follow these steps to withdraw cash without your Ecobank ATM card:

1. Visit any Ecobank ATM near you.
2. Press the first button on the right side of the ATM screen.
3. Select Xpress Cash from the options.
4. Enter the 8-digit e-token you received via SMS.
5. Input the exact amount you entered when generating the token.
6. Wait for the ATM to dispense your cash.

Make sure to complete the transaction before the token expires – within 24 hours, and ensure the ATM supports Xpress Cash.

Common Issues and How to Fix Them

While using the Ecobank cardless withdrawal feature is generally smooth, here are some common issues you might face and how to fix them:

1. e-Token Not Received via SMS

• Ensure your phone has a strong network signal.
• Confirm your mobile number is linked to your Ecobank account.
• Try generating the token again.

2. Invalid Token Message at the ATM

• Double-check the e-token you entered.
• Make sure you’re using the token only once and within its validity period.

3. Token Expired or Already Used

• Each token is valid for 24 hours and can only be used once.
• If expired, go back to the app and generate a new one.

4. ATM Not Showing Xpress Cash Option

• Not all ATMs have the feature active; only an Ecobank ATM has it.
• Try another nearby Ecobank ATM, preferably a major branch location.

These quick fixes can help you avoid delays when trying to withdraw without your card.

Check: Ecobank Customer Care Contact

Other Ways of Withdrawing Cash without Ecobank Card

Besides using the Ecobank Mobile App, here are other methods you can use to withdraw cash without your debit card:

1. Use Ecobank USSD Code

• Dial *326# on your phone.
• Follow the prompts to select Xpress Cash and generate a token.
• Use the token at any Ecobank ATM just like the mobile app method.

2. Use Ecobank Internet Banking

• Log in to your Ecobank internet banking portal.
• Navigate to the Xpress Cash section.
• Generate a withdrawal token and use it at an ATM.

3. Visit an Ecobank Branch

• Go to any Ecobank branch near you.
• Inform the customer service desk that you want to withdraw without an ATM card.
• Present a valid ID for verification.

These alternative options are helpful if you don’t have access to the mobile app.

Frequently Asked Questions (FAQs)

Summary

Ecobank cardless withdrawal is a fast, safe, and convenient way to access your money when you don’t have your debit card. Using the Ecobank Mobile App, you can generate a secure e-token and withdraw cash from any Ecobank ATM in Nigeria.

Here are the key steps to follow:

• Open the Ecobank Mobile App and select Xpress Cash.
• Generate an e-token by entering the withdrawal amount and confirming with your PIN.
• Receive an 8-digit token via SMS.
• Visit any Ecobank ATM, press the right-hand button, and select Xpress Cash.
• Enter the e-token and amount to collect your cash.

Other alternatives include using USSD code (*326#), internet banking, or visiting an Ecobank branch without your card.

Start using this feature today to enjoy stress-free cash withdrawals anytime, anywhere.

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