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Managing money on the go

It’s not that long ago that getting cash out at an ATM was thought of as the last word in banking convenience.

How things have changed. Nowadays – thanks to Cardless cash – you don’t even need your card to get out cash. And that’s just one of the many ways Westpac have made it easy to manage your money on the go. Here’s the lowdown on Cardless cash and some other digitally savvy ways to help manage money on the go.

Cardless cash

With cardless cash you can withdraw cash from Westpac, St.George, BankSA and Bank of Melbourne ATMs without using a Debit Mastercard® and you can also get cash to others by sending them a cash code via SMS to use. It’s pretty handy if you’ve forgotten your card or need to get money to someone in a hurry. Maximum daily limits apply.1


Find out more about cardless cash.

Pay to mobile

Pay to Mobile is a secure and convenient way to split a restaurant bill, pay for tickets or send money to friends. All you need is their Australian mobile phone number and all they need is an Australian bank account to receive funds.

If you’re a Westpac customer, you can also use Pay to Mobile to receive payments which are paid straight into your nominated Westpac account.


Find out more about Pay to Mobile.

Quick Balance and transfers

Need to know your account balance in a hurry? With Quick balance you can use the Westpac mobile banking app to find out how much you’ve got in up to 3 eligible accounts without needing to sign in first – all you need to do is open up the app and swipe left to see your available balances. And if you want to view your recent transactions simply tap on the balance and your transactions will be displayed.

But that’s not all. With Quick Transfer, you can swiftly and easily move money between your accounts without signing in – just tap and hold to move money between your Quick Balance accounts.


Find out more about Quick Balance and transfers.

Lost your card? Lock it in an instant with Card on Hold2

If you lose or misplace your card you can lock it in seconds while you search for it, thanks to Card on Hold. Your card will automatically unlock after 15 days (unless you unlock it earlier). 3

If you don’t find your card after 15 days, report it lost or stolen and a replacement card will be sent out. You can still withdraw cash while all this is happening, using the ‘Get Cash’ option at Westpac ATMs.

Google PayTM

Make purchases with Google Pay by simply tapping your mobile at contactless terminals4.  Simply download the Westpac Mobile Banking app and choose which eligible credit and debit cards you’d like to use for mobile payments. All purchases are secure and protected by our Fraud Money Back Guarantee5


Find out more about Google Pay.


Things you should know

This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

1. Get up to $500 per day and a maximum of $1000 per week , subject to account daily maximum limits. Only available at Westpac ATMs in Australia.

2. Available on personal credit and Mastercard® debit cards only. Cards to which a temporary lock can be applied will be listed when you sign in to Mobile Banking or Online Banking and visit Lock a card temporarily under Cards services. Daily and weekly limits apply. See Westpac Emergency CashTM and Westpac Get CashTM Terms and conditions (PDF 117KB) for details.

3. If you do not have Online or Mobile Banking, you can call our Cards Customer Service Call Centre:

1300 651 089 (24 hours a day, 7 days a week)

Overseas - Call +61 9155 7700 (24 hours a day, 7 days a week). Please note that calls made from mobile phones, public telephones or hotel rooms may attract additional charges.

4. Google Pay: Read the Terms and Conditions (PDF 125KB) before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system.

5. Westpac Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Refers to the cards’ terms and conditions for full details, including when a customer will be liable.

Android, Google Pay and Google Play are trademarks of Google Inc.,

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.