In today’s digital world, banking has become more flexible, and many financial institutions, including Keystone Bank, offer several alternatives to ATM card-based transactions. Whether you’ve misplaced your card, it’s expired, or you simply want a cardless way to transact, you can still send money easily. This guide will walk you through how to transfer Keystone without ATM card, step by step.
Why Transfer Without an ATM Card?
Before we jump into the methods, let’s quickly understand why someone might want to transfer Keystone without ATM card:
- Lost or damaged ATM card
- ATM card not activated or yet to be issued
- Emergency transfers
- Preference for digital banking over physical tools
Keystone Bank, understanding these real-life needs, has implemented several user-friendly platforms that enable you to send funds without needing your debit card.
1. Use Keystone Mobile App
The Keystone Mobile App is one of the most convenient methods to transfer Keystone without ATM card. All you need is an internet connection and your login credentials.
Steps:
- Download the App
If you haven’t already, download the Keystone Mobile App from Google Play Store or Apple App Store. - Login or Register
Use your phone number and account details to register or log in. - Go to Transfers
Tap on the “Transfers” option from the menu. - Choose Transfer Type
You can send to Keystone Bank accounts or other banks. - Enter Beneficiary Details
Input the recipient’s account number, bank name, and the amount. - Authorize Transaction
Confirm using your transaction PIN or biometric authentication.
No ATM card needed – just your mobile and secure login. Also, you can transfer from Keystone to Another Account by using simple guide.
2. USSD Code (*7111#)
The Keystone Bank USSD code is another easy and cardless option for sending money. This service works even on basic feature phones and doesn’t require internet access.
How to Use:
- Dial
*7111#on your registered phone number. - Select “Transfer Money” from the options.
- Enter the beneficiary’s account number and select the bank.
- Input the amount to be transferred.
- Enter your USSD PIN to authorize the transaction.
That’s it! You can transfer Keystone without ATM card anytime, anywhere.
3. Internet Banking
For users who prefer desktop or laptop access, Keystone Bank Internet Banking is a great solution.
Steps:
- Visit website.
- Login with your User ID and password.
- Navigate to Funds Transfer.
- Fill in recipient account details, amount, and narration.
- Confirm the transfer using your internet banking PIN or token.
This secure platform gives you full access to your account without relying on an ATM card.
4. Keystone Chat Banking – OXYGEN
Keystone Bank also offers OXYGEN, its intelligent banking chatbot available on WhatsApp and Facebook Messenger.
How to Transfer via Chat:
- Save the official Keystone OXYGEN Number: +1(877)-250-8546
- Open WhatsApp or Facebook Messenger and start a conversation.
- Type “Transfer” and follow the prompts.
- Provide recipient’s account number, bank, and amount.
- Verify using a one-time password (OTP) or PIN.
Chat banking makes it easy to transfer Keystone without ATM card, especially for users always on social platforms.
5. Visit a Keystone Branch
While digital methods are preferred, you can always walk into any Keystone Bank branch for assistance. With a valid means of identification and your account number, the customer care desk can help you initiate a manual funds transfer without needing an ATM card.
Tips to Transfer Keystone Without ATM Card Safely
Transferring funds without a card is convenient, but security is critical. Follow these tips:
- Never share your USSD or mobile banking PIN with anyone.
- Use strong passwords for mobile or internet banking.
- Log out of the app after each session.
- Confirm you are using the official app or website.
- Avoid using public Wi-Fi to make financial transactions.
By staying vigilant, you can safely and securely transfer Keystone without ATM card.
Benefits of Cardless Transfers
Opting for cardless banking offers a range of advantages:
- Faster transactions on mobile or USSD
- No need to carry physical cards
- Instant transfers at any time
- Access even when cards are lost or stolen
- Reduced dependency on physical infrastructure
Keystone Bank’s multi-channel approach ensures customers can always access funds with or without a card.
Troubleshooting Common Issues
If you face any problems while trying to transfer Keystone without ATM card, here are some quick fixes:
| Issue | Solution |
|---|---|
| Invalid PIN | Reset PIN using app or USSD |
| Transfer not going through | Check network or try again |
| App not loading | Update app or clear cache |
| OTP not received | Check SMS inbox or retry |
| Wrong account details | Double-check before submitting |
If the problem persists, contact Keystone Bank customer support or visit a nearby branch.
FAQs
Can I transfer money from Keystone without ATM card at night?
Yes. Using the mobile app, USSD, or internet banking, you can transfer Keystone without ATM card 24/7.
Is it safe to transfer funds without an ATM card?
Absolutely. Keystone uses encryption and PIN/OTP verification to ensure secure transactions.
What should I do if my USSD PIN is blocked?
You can reset your USSD PIN via the mobile app or by calling Keystone customer care.
Conclusion
Gone are the days when you needed a physical ATM card for every banking transaction. With Keystone Bank’s robust digital platforms, you can easily transfer Keystone without ATM card using mobile banking, USSD codes, chatbots, or internet banking.
Whether you’re in a rush, dealing with a lost card, or just prefer digital tools, Keystone Bank has made it seamless to access your funds anytime, anywhere. Embrace cardless banking today and enjoy full control over your finances.
