A friend of mine has money in the bank but doesnot have an ATM card. And you can't transfer money when you don't have ATM card.

So how can you transfer money you have in the bank when you don't have an ATM card. Or is first bank or wema bank still working in your area in Lagos.

use USSD code for the transfer

Has he tried the USSD code of his bank? I've never had to use ATM to transfer with USSD code

dominique:
Has he tried the USSD code of his bank? I've never had to use ATM to transfer with USSD code

Ok
I will get to him.

Shifi1:
use USSD code for the transfer

You can't use ussd code if you don't have an ATM card.