Cardless Cash Withdrawal
Cardless Cash is a convenient and secure way to withdraw cash from Westpac-branded ATMs using the Westpac App.
When does Cardless Cash come in handy?
Cardless Cash, made more secure
Cardless Cash withdrawal has built-in security checks to help protect you and your money.
- Location check: We use your device’s precise location to confirm you’re at the ATM.
- Cash code for you only: It can’t be shared or used by someone else.
- Time-limited: If your cash code expires, you can easily generate a new one in the app.
How to withdraw Cardless Cash
Before you start
- Make sure you have the latest version of the Westpac App
- Enable locations services on your device
- You’ll need to be within 10 metres of a Westpac-branded ATM. You can find them using the ATM locator or via the Westpac App.
In the Westpac App
- Go to Payments and select Cardless Cash
- Select the account you want to withdraw from and choose the amount
- Follow the prompts to authenticate using your Security Code. A cash code will appear in the app (valid for 3 minutes).
At a Westpac ATM
- Select Cardless withdrawal on the ATM screen
- Follow the prompts to enter your cash code and the withdrawal amount
- Collect your cash.
Did you know?
When withdrawing cash at an ATM, there are simple steps you can take to help protect yourself and your money. Learn more about ATM security.
Let's help you get started
You’ll need an eligible transaction account with a linked debit card.
Security is built into everything we do
From Cardless Cash to everyday banking security features, we're continually improving how we protect your money and personal information.
Frequently asked questions
To use Cardless Cash, you need to:
• Have the latest version of the Westpac App
• Be registered for Online Banking and Westpac Protect™ Security Code
• Have an eligible Westpac transaction account with a linked debit card
• Enable location services (with precise location) for the Westpac App
Cardless Cash will only appear in the Westpac App if you’re eligible.
Cardless Cash is available on the following accounts:
Personal accounts:
• Westpac Choice
• Westpac Choice Student
• Westpac Choice Youth
• Westpac Choice Concession
• Westpac 55+ and Retired
• Westpac Passbook 55+ and Retired
• Westpac Passbook
• Westpac Personal Cheque Account
Business accounts:
• Westpac Business One
• Westpac Business One Plus
• Westpac Business One Negotiator Plan
• Westpac Community Solutions One
Cardless Cash isn’t available on joint accounts that require two or more people to authorise transactions.
Cardless Cash has its own withdrawal limits, separate from your card or payment limits.
• Maximum daily withdrawal amount: $2,000
• Maximum withdrawals per day: three
• Withdrawals are available in $20 or $50 increments
If you have a Weekly Spend Limit, you may be still able to generate a cash code in the Westpac App. If the limit has been reached, the ATM will decline the withdrawal.
There’s no additional fee to use Cardless Cash. Standard account fees and charges may still apply. Refer to the T&Cs for your eligible Westpac transaction account.
Your precise location is required to help confirm you’re at the ATM and reduce the risk of fraud or unauthorised activity.
The cash code expires after 3 minutes or once it’s been used. It can't be reused after you've withdrawn your cash. If it expires, you’ll need to restart the Cardless Cash withdrawal process in the Westpac App.
If you close the app or turn off your device, you may need to wait up to 3 minutes to generate a new cash code. You can cancel your cash code any time by tapping Cancel at the top of the screen.
No, cash codes are unique to you and it can’t be shared. This is to protect you from unauthorised transactions and ensure the security of your money and accounts. You are responsible for keeping your cash code and device secure.
No. Only one cash code can be active per user at any time. If you think your cash code has been compromised, cancel it immediately in the app.
After withdrawing cash, your balance may not update straight away. Exit the Cardless Cash screen, select Home at the bottom of the app, then pull the screen down to refresh. Your balance will then update.
Things you should know
Deposit Accounts for Business Customers Terms and Conditions (PDF 799KB) (PDF 860KB)
Westpac Business Debit Mastercard Terms and Conditions (PDF 432KB)
Before making a decision about any of our products or services, please read all the terms and conditions and consider whether the product or service is right for you. Fees and charges apply and may change.
Protected by the Financial Claims Scheme (FCS): If you have a Westpac deposit account, in certain circumstances you may be entitled to a payment under the FCS. Payments under the FCS are limited for each customer. You can find out more information from the APRA website at www.fcs.gov.au.
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