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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, BankSA, Bank of Melbourne or select Westpac Group partner 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)   Be 18 years or older

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

c)   Be registered for Westpac Online Banking

d)    Be registered for Westpac Protect™ Security 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 555KB)
  5. Once set up, choose an eligible transaction account to withdraw money from, the amount and press Go
  6. Find your nearest 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 and Personal Cheque
  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. If your Westpac account is compromised as a result of internet fraud, we guarantee to repay any missing funds, provided you comply with our Online Banking Terms and Conditions.


Find out more about supported devices.