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What is Cardless Cash?


Cardless Cash is a feature of Westpac Mobile Banking that allows you to withdraw cash from Westpac, St.George, Bank of Melbourne or BankSA ATMs without a card or get cash to others by sending them a cash code to use.

To use Cardless Cash you need to:

a)   Have an eligible transaction account with a linked debit card, handycard or credit card

b)   Be registered for Westpac Mobile Banking

c)    Be registered for Westpac Protect™ SMS Code

To use Cardless Cash you first need to generate a cash code in Westpac Mobile Banking:

  1. Open the Westpac Mobile Banking App
  2. Tap 'Cardless Cash'
  3. Sign into Cardless Cash with your Westpac Online banking credentials
  4. Complete the one-time set up and Secure Code SMS authentication. The terms of set-up are subject to the Cardless Cash terms found in the Online Banking Terms and Conditions (PDF 236KB).
  5. Once set up, choose an eligible transaction account to withdraw money from, the amount and press 'Go'
  6. Find a Westpac, St.George, Bank of Melbourne or BankSA ATM or send the cash code to family and friends
  7. To collect the cash, press 'OK' on the ATM, enter the cash code and amount to withdraw your cash (the code expires after 3 hours)
  8. Eligible transaction accounts include: Westpac Choice Accounts, Westpac 55+ and Retired, Westpac Choice eAccount, Classic, Classic Plus, Personal Cheque, Basic Account, Westpac One, Westpac One Basic and Westpac One Premium
  9. You can withdraw up to $500 a day and $1,000 a week without a card. This is in addition to your card limits.
  10. You cannot make more than 3 cardless withdrawals a day.
  11. Customers are covered if their online or mobile banking credentials are compromised and used to make a cardless withdrawal under 'Westpac Protect' - our online and mobile banking security guarantee.


Find out more about supported devices.