Withdrawing money from your GTBank account without an ATM card is easy, thanks to GTBank’s USSD cardless withdrawal service. Whether you misplaced your ATM card, or forgot it at home, you can still cash out your funds using the *737# service.

In this guide, we will walk you through how to use the GTBank USSD withdrawal feature, its benefits, and how to troubleshoot common issues.

What is GTBank Cardless Withdrawal?

GTBank cardless withdrawal is a banking feature that allows customers to withdraw cash from any GTBank ATM without using a debit card. The service is available on *737# USSD banking and Internet Banking platforms.

The GTBank cardless withdrawal service on *737# is accessible on any mobile phone, even without an internet connection.

How Does It Work?

• You initiate a withdrawal request by dialling a USSD code on your registered phone number.
• A unique withdrawal code is generated after authentication with your 737 PIN.
• You enter the withdrawal code at a GTBank ATM to collect your cash.

Benefits of GTBank Cardless Withdrawal

Convenience: Withdraw money without needing your ATM card.
Emergency Access: Useful when your ATM card is lost, stolen, or forgotten.
Fast & Secure: Transactions are completed in minutes with PIN authentication.
No Internet Required: Works on any mobile device without needing an internet connection.

How to Withdraw Money from GTBank Without an ATM Card (USSD Code)

Follow these simple steps to withdraw cash from your GTBank account without using an ATM card:

1. Dial *737*3*Amount# on your GTB registered phone number
2. Follow the on-screen prompts to generate a withdrawal Code
3. Enter your 4-digit USSD PIN code to confirm the transaction
4. Visit any GTBank ATM and use the unique code to withdraw cash.

Step 1: Dial the USSD Code

On your registered phone number, dial:
*737*3*Amount#
For example, if you want to withdraw ₦5,000, dial:
*737*3*5000#

Step 2: Generate a Withdrawal Code

Follow the on-screen prompts to generate a unique withdrawal code.

Step 3: Authenticate with Your 737 PIN

Enter your 737 PIN to authorize the transaction. Once confirmed, you will receive an SMS containing the withdrawal code.

Step 4: Withdraw Cash at a GTBank ATM

• Visit any GTBank ATM near you.
• Press “Enter” on the ATM keypad (without inserting a card).
• Select “Cardless Withdrawal” option.
• Enter the withdrawal code received via SMS.
• Follow the on-screen instructions and collect your cash.

Requirements for GTBank Cardless Withdrawals

Before using this service, ensure that you meet these requirements:

• Have an active GTBank account.
• The phone number is linked to your GTBank account.
• Activate GTBank USSD code on your phone
• Have sufficient funds in your account.

GTBank Cardless Withdrawal Limits and Charges

Before using GTBank’s cardless withdrawal service, it’s important to know the transaction limits and applicable charges.

Withdrawal Limits

• Minimum withdrawal amount: ₦1,000
• Maximum withdrawal amount per transaction: ₦20,000
• Daily withdrawal limit: ₦100,000 (subject to account limits)

Transaction Charges

• USSD service fee: ₦6.98 (charged by network providers)
• Cardless withdrawal charge: ₦50 per transaction

These charges may vary based on GTBank’s policy updates. Always check with the bank for the latest fees.

Troubleshooting Common Issues

If you encounter any issues while using GTBank’s cardless withdrawal service, here are some solutions:

1. Didn’t Receive a Withdrawal Code?

• Ensure your phone has network coverage.
• Check if your SMS inbox is full and delete old messages if necessary.
• Wait a few minutes and try again.
• Contact GTBank customer support if the issue persists.

2. Forgot Your 737 PIN?

• Reset your GTBank PIN with *737*5#.
• Ensure you have the necessary authentication details, such as the last four digits of your ATM card.

3. Withdrawal Code Expired?

• GTBank withdrawal codes are valid for 24 hours.
• If expired, you’ll need to initiate a new request using *737*3*Amount#.

4. ATM Rejects the Withdrawal Code?

Double-check that you entered the correct code.
Ensure you selected the right option (Cardless Withdrawal).
Wait and retry again or use another GTBank ATM if the issue persists.

FAQs

Conclusion

GTBank’s cardless withdrawal service provides a fast, secure, and convenient way to withdraw cash without an ATM card. Whether you misplaced your card or need emergency cash, the *737# USSD code makes accessing your funds easy.

By following the simple steps in this guide, you can generate a withdrawal code and collect your cash from any GTBank ATM within minutes. Remember to keep your 737 PIN secure and avoid sharing your withdrawal code with anyone.

If you found this guide helpful, share it with others who might need it. For more banking tips, stay tuned to our blog!