Easy steps to withdraw money from a Co-op Bank ATM machine without your ATM card and skip long queues at the bank

You may need to urgently access cash from your Co-op Bank account, but situations may dictate that you pursue other means, besides the conventional withdrawal using your ATM card.

The unfortunate loss or misplacement of the Coop Visa Card is not the sole reason.

You may need to withdraw sums of cash higher than the maximum daily amount the bank allows over an ATM machine. Depending on the day and season, an over-the-counter withdrawal may be a headache – long queues – and, sometimes, urgency of the business at hand.

Co-op Bank clients have the liberty to make easy card-less withdrawals at the ATM, by linking their phones in a few steps:

On the MCo-op Cash App:

1. Access MCo-op Cash by clicking on the app.

(Alternatively, dial USSD code *667# on your phone)

1. Enter your MCo-op Cash PIN
2. Select “Withdraw Cash”
3. Select “ATM”
4. Choose bank account to withdraw from
5. Enter Amount to withdraw –

*(Min Kes500 and Max Kes40,000 per withdrawal but up to Kes200,000 a day)

1. Confirm transaction
2. An SMS with a one-time PIN will be sent to your phone. This is the PIN you will use at the ATM – *PIN expires in 30 Minutes

On the ATM machine:

1. Click the “MCo-op Cash withdrawal” button on the top right corner of the ATM screen
2. Input Telephone Number
3. Input One Time PIN provided via SMS
4. Enter amount to withdraw same as input on phone
5. Receive Cash from ATM Dispenser

Important things to remember during a card-less withdrawal at the Co-op Bank ATM:

• Minimum withdrawal amount is Kes500 and Max Kes40,000 per single withdrawal transaction.
• The maximum daily withdrawal amount is Kes200,000. (A client may make multiple withdrawal transactions – but not to exceed the daily maximum amount).
• The one-time PIN sent to your phone expires in 30 Minutes. This is the PIN you’ll feed to the ATM. (It’s advisable to start the transaction while at the ATM machine’s actual location).

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