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
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.
- Search Cardless Cash in the Smart search bar
- Tap Account and amount
- Tap Get Code
- 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.
Other useful resources
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.
Things you should know
Read the at westpac.com.au 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. 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.
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.
Westpac Debit MasterCard® holders need to be at least 14 years of age, and have an Australian residential address to be eligible for the card. If you’re not eligible for a Westpac Debit Mastercard, apply for a Handycard to access your account.
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