Abstract: Exemplary embodiments provide methods and systems for conducting a cardless transaction with a financial transaction machine or a POS device. A customer requests a cardless withdrawal or cardless deposit from one of her/his accounts using the mobile application. Alternatively, a cardless transaction may be selected at a merchant. The customer receives a one-time use code in the mobile application, that is valid for a length of time. The customer proceeds to an appropriate financial transaction machine or a merchant's POS device and selects a designated menu option from an interface to conduct the desired cardless transaction. The customer is requested to enter the code to conduct the transaction. Upon successful validation of the code, the requested transaction is conducted, the code is marked as used by the system, the account is updated, and a notification is sent to the mobile application.