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Step By Step Procedure on How To Setup Gtbank Cardless Withdrawal

This article is about the Step By Step Procedure on How To Setup Gtbank Cardless Withdrawal. Recently in Banking events, Guaranty Trust Bank (GTB) introduced cardless withdrawal service to its customers; a mobile money application that enables its clients to make use of an ATM paypoint without an ATM card. this service was an invited improvement to its more than 1 million customers in 231 branches the whole way across the nation.

There are 3 ways to set up and use the cardless withdrawal system: The service is simple, straightforward and most importantly it gives you the flexibility to get to your cash without your ATM card or going by a bank. The 3 ways to set up and use the cardless withdrawal system:

  • Internet banking
  • Mobile banking
  • USSD code


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Step By Step Procedure on How To Setup Gtbank Cardless Withdrawal

You can perform this service using the USSD code, simply;

  • Dial *737#
  • Click the option that states cardless withdrawal
  • Enter the amount you want to withdraw, and click the OK button
  • Enter the last 4 digit of your GTbank ATM card

Once this action is taken, your account will be debited the amount you requested, you will also receive a Ref of 12 digits via SMS. On receiving this message;

  • Proceed to any GTbank ATM and click Enter
  • Click on GTMMoney
  • Enter the 12 digits
  • Enter the account registered phone number
  • Enter the requested amount
  • The ATM machine will request for your 4 digits and Ref number
  • Click on withdraw

And that’s it; you can receive your cash conveniently. But note that this service attracts a N50 debit fee from your account.



Activating the mobile banking for cardless withdrawal requires visiting any GTbank around you to carry out the following:

  • Request for the cardless service, and you will be provided with your USER ID and PASSWORD
  • Use your mobile phone internet to download the GT online banking app named GT World
  • After successful instalment on your phone, log on to the mobile service with your USER ID and PASSWORD
  • Navigate through the page for cashless withdrawal option
  • If you want to withdraw from GTbank ATM, click cash out; (only GTbank ATM option)
  • Complete the form that pops up and click continue
  • Enter your 4 digit pin or token code
  • Click done, and your registration is complete

On taken this action, a reference code is immediately sent to you via SMS. You can then proceed to the ATM and finish up the withdrawal.


Goto any GTbank ATM around you and:

  • Press the enter button on the ATM
  • Select the cardless withdrawal option
  • Enter your reference code sent to your phone
  • Enter amount, this amount should be same as initially stated
  • Press the enter button

Then wait for your transaction to complete and take your cash.

GTbank has been an exceptionally imaginative banking institution, revealing the best customer service experience to its customer and this is the better approach for keeping money at GTbank.

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