Life is more simple and easy day by day as a result of technology and we need to stay up-to-date with new emerging technologies. I’m happy to inform you that there is a new way in Nigeria to withdraw your money from the ATM machine without your debit card being physically present. It sounded like a big joke at first until I personally confirmed it.

You know how it feels when you urgently need cash, but your ATM card is at home; there’s money in your account, but you can’t withdraw it because you need an ATM card.

Nigeria’s largest payment processing company – Interswitch, has launched “Verve World”, an app that enables cardholders to store all their payment options and to carry out everyday transactions without physically using their cards. You can now withdraw the cash in your account without using an ATM card, all you need is a Verve Paycode.

Verve Paycode is a security code that can be generated from cards stored in your eWallet (Verve eCash). Verve eWallet can securely store any card from any Bank.

Verve eCash is a virtual payment card that allows you to transact in every way you would with a physical card. With eCash, you no longer need the card number, OTP, CVV2, or expiry date to complete your online transactions. Recharge, pay bills, transfer funds, and even withdraw cash from an ATM or make POS payments directly from your eCash.

Download the Verve World app

Verve World
Verve World
Developer: Interswitch Limited
Price: Free
‎Verve World
‎Verve World
Developer: Interswitch Limited
Price: Free

Verve World app Login/Registration Process

Open the Verve World installed app, log in with an existing Interswitch account if you have an account with Interswitch before and if not, choose the Signup and fill in the necessary detail, add the details of your ATM card to the Verve World App and proceed.

After successful registration, you should get this notification and an accompanying email from the Verve International team with “Welcome to Verve eCash” in the subject line.

How to Fund Your Verve eCash

Click the button that says ‘Fund my eCash’. On the next screen, you will be required to enter the amount you want to withdraw.

Even after adding a card to the application, you may have to input your details again in the “Payment Card” option

How to Generate Actual Verve Paycode

After funding the eCash, you will get a notification to that effect. Under every page, there are the eWALLET, 1-TOUCH, and PAYCODE options, click on “PAYCODE” to generate.

After selecting PAYCODE, the below page will be displayed.

In selecting a channel, there is the option of ATM, POS or Paypoint Agent. Choose ATM as it is our case study for this post.

In selecting a payment card, choose your already funded Verve eCash or select from the stored Cards.

The cash-out pin is the one you are going to input in the ATM and your card pin is, of course, your personal card pin.

Important Notice

After the last procedure described above, you should be able to use your cashout pin in any ATM unless;

  • You have an insufficient balance in your account.
  • You do not have a token– physical or software –and so cannot use the card online.
  • There is not sufficient internet connectivity.


  • Verve Paycode works for any bank card as long as it’s Verve, Visa or Mastercard
  • Multiple cards can be added to the application
  • Cardless ATM Withdrawals DOES NOT work on every bank’s ATM (that is the machine).
  • The Machine that I know, are: ATMs belonging to Zenith Bank, Stanbic IBTC Bank, Guaranty Trust Bank, and Fidelity Bank are compatible with the Verve World App and Verve Paycode.

If all the above conditions have been satisfied, then you are good to go.

Now using the ATM is the really tricky part and seems to be where most people are stuck. Most ATMs have the option of cardless operation, to be sure, ask the orderlies around.

Or walk up to any one of them and press the “ENTER” key multiple times. It should display the option.

How to Withdraw from the ATM

GTBank ATM has already been used for the experiment, all you need is to follow the below instruction accordingly.

If you look closely at the display above, it gives the instructions on performing Cardless Transactions; that is, using the ATM to withdraw without ATM card. Even though the instruction makes it easier, some ATMs do not spell it out, so just press the “ENTER” button on the keypad twice, and if it does not still bring out the option, then the machine is probably not configured for Cardless Transactions.

The next screen after pressing the “ENTER” key will be self-explanatory as the tag of your selection will include Quickteller.  The Verve World App, Verve Paycode, and Quickteller are all products of Interswitch, so they are in one family.

After selecting the Quickteller option, this screen comes up and prompts you to enter the already generated code, then the ATM proceeds to produce the exact amount of cash that was entered when generating the Verve Paycode on the Verve World. Simple as that.

At a Stanbic IBTC ATM, press zero “0” on the keypad to be taken to a page that has “Quickteller Cashout” written on it and the machine will give a prompt for the already generated Verve Paycode.

Zenith Bank ATMs have the same procedure, but you have to press the enter key to access the “Quickteller Cashout” option and input your Verve Paycode

Note: It includes an N100 surcharge at cashout.

Also Note: To make everything simple. You can generate a Paycode by simply dialing *322*8*Amount#. You don’t need to have a smartphone or internet access.

Have Questions to ask or have anything to contribute, kindly use the comment form below. More so, use the “Share”, “Like” and other Share buttons to share this post with your friends.


I'm Funsho, a technology enthusiast who operates as a web designer, developer, and Pro-blogger. I am enthusiastic in sharing unique experiences and ideas on technology and trends.


  • Unknown, September 17, 2016 @ 8:26 pm Reply

    Nice post

  • Anonymous, September 17, 2016 @ 9:00 pm Reply

    Using ussd aspect how will u generate paycode of the amount u want unlike verve app world in which u will fund to generate desire amount paycode

  • Anonymous, September 17, 2016 @ 9:03 pm Reply

    add me to the WhatsApp group 08188914518

  • Victor Kachi, September 17, 2016 @ 9:05 pm Reply

    Thanks for the information


  • Unknown, September 17, 2016 @ 9:32 pm Reply

    Wow This great!

  • Anonymous, September 17, 2016 @ 10:52 pm Reply

    08138545461 to WhatsApp group

  • Anonymous, September 18, 2016 @ 5:08 am Reply

    please add 08182316336 to your whatsapp group

  • John, September 18, 2016 @ 8:38 am Reply

    Nice one

  • Anonymous, September 18, 2016 @ 10:47 am Reply

    mr shelaf, pls add me to the whatsapp group.

  • WisProf, September 18, 2016 @ 3:33 pm Reply

    Amazing. thanks Mr Shelaf for the Update

  • Ralph Jnr, September 18, 2016 @ 6:09 pm Reply

    Wow, i can't believe this. Thanks Shelaf from

  • WizyTechs, September 18, 2016 @ 6:34 pm Reply

    Nice post bro. Technology is Really Advancing

  • Unknown, September 18, 2016 @ 8:06 pm Reply

    Mr. Shelaf why did you always keep silent to the questions posted into your blog.With this attitude it makes people boring to comment/ asking questions. Please and please. take time to reply if not all but some of the comments. Thank you

  • Shelaf, September 18, 2016 @ 9:36 pm Reply

    Thanks a lot for the observation Mr. Babatunde. Alright, I will try to adjust.

  • Shelaf, September 18, 2016 @ 10:08 pm Reply

    Wizy! the great blogger. Thanks for stopping by.

  • Shelaf, September 18, 2016 @ 11:39 pm Reply

    Thanks for the comment.

  • Shelaf, September 18, 2016 @ 11:45 pm Reply

    Almost the same thing, after dialing d ussd code, it will bring another option for you to enter your desire Cashout Pin.

  • Shelaf, September 18, 2016 @ 11:46 pm Reply

    You are welcome

  • Shelaf, September 18, 2016 @ 11:46 pm Reply


  • Shelaf, September 18, 2016 @ 11:48 pm Reply


  • Shelaf, September 18, 2016 @ 11:48 pm Reply

    Thanks too for your time to dropped comment.

  • Shelaf, September 18, 2016 @ 11:53 pm Reply

    You are welcome & thanks for the comment.

  • Unknown, September 19, 2016 @ 12:11 am Reply

    Nice job Oga shalef add me to your WhatsApp group 08163421175

  • Unknown, September 19, 2016 @ 12:15 am Reply

    Oga shelaf I have 3 etisalat modern that refuses to unlock I have use DC unlock I have used the websites provided by you to input imei so that I can get unlock code but the code did not work can u help me pls

  • Unknown, September 19, 2016 @ 5:34 am Reply

    Thanks ok.

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    boss tanx pls add me up on whatsapp 08169111533

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  • GameKing, September 19, 2016 @ 6:14 pm Reply

    Boss i raise nyash for this post, really enjoyed reading it.

    Remarking from

  • Unknown, February 5, 2017 @ 6:40 pm Reply

    Excellent article

  • Unknown, March 14, 2017 @ 5:48 pm Reply

    Thanks add me to your whatsapp group 08138973412

  • uc, July 6, 2017 @ 2:23 am Reply

    please could this be done without going to the ATM machine but with the ATM information online?

  • Unknown, July 25, 2017 @ 2:07 pm Reply

    please how do i get software for token

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