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What is Cardless cash?

Cardless Cash is a feature in the Westpac App that lets you 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.

  • Available 24/7 in the Westpac App
  • Withdraw up to $500 per day or $1,000 per week
  • Use our ATM Locator to find your closest ATM
  • Up to 3 cardless withdrawals per day

Who is eligible?

To use Cardless Cash you'll need to:

  • Be 18 years or over
  • Download the latest version of the Westpac App
  • Register for Online Banking and Westpac Protect™ Security Device
  • Have a debit card, handycard or credit card linked to a Westpac Choice, Westpac 55+ and Retired, or Personal Cheque account.

When would I need to use Cardless Cash?

There could be circumstances where you need to access cash from an ATM without a card or need to give cash to a friend or family member. 

Forgot your card

When you don’t have your physical card on you.

New card on the way

Waiting for your new card or replacement card to arrive

Locked your card

When you've put a lock on your card but need to access cash.

SMS code to others

So friends or family can withdraw cash from an ATM.

How to use Cardless Cash

If this is your first time using Cardless Cash, you'll need to enter a one-time SMS code sent to your registered mobile.

In the Westpac App

Before trying these instructions make sure you update to the latest version of the app.  

  1. Search Cardless Cash in the Smart search bar
  2. Tap Account and amount
  3. Tap Get Code
  4. Find an ATM or share the code with someone


At the ATM

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, and you can't make more than 3 cardless withdrawals a day.

Digital Card and dynamic CVC

It's a digital version of your card, instantly available 24/7 in the Cards Hub. Use it to shop online and pay bills with the added security of a dynamic CVC that updates every 24 hours.

Learn more

Other useful resources

Mobile Wallets

Carry your eligible Westpac cards in your smartphone with Apple Pay, Samsung Pay™ and Google Pay™.

Supported devices

For the best Westpac App experience, check if your browser and operating system are up-to-date.

Westpac Protect™ Online Banking Security Guarantee

If your Westpac account is compromised due to Online Banking fraud, we guarantee to repay any missing funds, provided you complied with our Online Banking Terms and Conditions.


Westpac Protect Security Guarantee
Things you should know

Read the Westpac Online Banking Terms and Conditions (PDF 555KB) at before making a decision and consider whether the product is right for you.

Cardless cash: available on eligible Westpac everyday accounts with a linked debit card for customers 18 years and over. Limit of 3 withdrawal transactions per day applies, subject to $500 daily withdrawal limit and $1,000 weekly withdrawal limit. Only available at Westpac Group ATMs or select Westpac Group partner ATMs in Australia. To access Cardless Cash on your mobile you must be registered to use Online Banking and download the Westpac App. You'll also need the Westpac App (version 6.1 or above) installed on your iPhone. You must be 18 years or older to use Cardless Cash.

Westpac’s Online Banking Security Guarantee - If your Westpac account is compromised due to Online fraud, we guarantee to repay any missing funds, provided you complied with our Online Banking Terms and Conditions. This includes keeping your sign-in details (including passwords, Westpac Protect™ Security codes) private, not participating in the unauthorised transaction, and immediately notifying us when you suspect an unauthorised transaction or potential fraud on your accounts.

Debit Mastercard®: Choice for youth account, the eligible card age is 8. For any other transaction account, the eligible card age is 14. You must have an Australian residential address.
Westpac Mobile Banking applications are only available for use by Westpac Australia customers. Internet connection is needed to access Westpac Online Banking and the Westpac App. Normal mobile data charges apply. ​

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