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No cash and no card? Access your savings with your smartphone using cardless cash

Never be without cash. Use your phone to withdraw cash from ATMs when you don't have your debit card.

Commonwealth Bank, Westpac and St.George have all found a way to make accessing your cash even easier. With secure apps installed on your mobile phone, you can log onto an ATM and withdraw the money you need. Your phone is already at your fingertips – now your cash will be too.

St.George Complete Freedom Account

Cardless Cash Offer

Enjoy low monthly account-keeping fees with a St.George Complete Freedom Account and $0 ATM fees.

  • $0 monthly fee when at least $2,000 is deposited per month or when opening a Complete Freedom Student account, otherwise a fee of $5 applies per month
  • $0 ATM withdrawal fee at 50,000+ ATMs globally
  • Visa Debit with payWave

    Compare and search for cardless cash debit cards

    Rates last updated February 28th, 2017
    Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
    St.George Complete Freedom Account
    Log into your St.George mobile banking app (available for iPhone or Android) and request Cardless Cash.
    Visa $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 fee applies. Unlimited free withdrawals at St.George, Westpac and BankSA ATMs. Open More
    Westpac Choice
    Register for online banking and use the Westpac mobile banking app to request Get Cash.
    Mastercard $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at St.George, Westpac, BoM and BankSA ATMs. Open More
    St.George Express Freedom Account
    A secure SMS authentication is required to get your 'get cash code'.
    Visa $0 $1,000 $0 account keeping fees if you deposit at least $1,000 per month. Otherwise, a $3 monthly fee applies. Unlimited free withdrawals at St.George, Westpac and BankSA ATMs. Open More
    Commonwealth Bank Smart Access
    Register for Cardless Cash and withdraw up to $500 a day without a card.
    Mastercard $0 $2,000 Unlimited free CBA ATM transactions. No monthly service fee if you deposit a minimum of $2,000 per month otherwise $4 monthly fee applies. More

    What is cardless cash and how does it work?

    Cardless cash works by providing you with a unique code that you enter into an ATM to withdraw cash when your card is not on hand. This is nice to have if you don’t want to carry your cards, but would still like to withdraw money if you need it. It is also convenient for family members to make withdrawals if they or you are not nearby.

    Video: How does the process work?

    How do I choose the best debit card for cardless cash?

    In Australia, there are only four banks that offer cardless cash options. As this feature becomes more commonplace, it's important to compare the following to help make choosing an account easier.

    How does the bank ensure cardless cash transactions are secure?

    You want to ensure that your money is protected. Test the relevant app and check what security measures are in place to ensure that no one else can use the app to gain access to your account.

    How easy is it to use the app?

    It is hard to beat the ease of sliding a card into a machine, entering a code, and pulling out your cash. With an app, you want to make sure that the process is just as simple.

    How extensive is the ATM network?

    Check to see how extensive the ATM network is for each bank. Since this app requires some pre-planning, you don’t want to get your code and then have no ATM to use it at.

    Handset compatibility: does your device work with the app?

    The app will have to work on your current mobile device. For example, NAB Pay is only available for eligible Android devices. Look carefully at the specifications when making your comparisons.

    Sharing options

    Check to see if you can nominate someone else to pick up the cash on your behalf. In some cases, you just need to provide the app with the appropriate person’s mobile phone number.

    Are there limits on cardless cash withdrawals?

    You may be limited to the amount of money you can withdraw daily from your account.

    Is a time limit applied?

    As an added security measure, check to see how long the code is valid after receiving it.

    What are the benefits of using cardless cash?

    • The convenience of travelling light. With cardless cash, you have the ability to travel light when the occasion calls for it.
    • In cases of emergencies. You can continue to access your cash even if you've left your wallet at home.
    • You can share it with your trusted family and friends. This makes it easier to give family members limited access to the account when they need it. Rather than paying for extra debit cards or worrying about how much they withdraw, you can control their spending by using the app.
    • No additional costs for using it. The app works the same as a debit card when withdrawing money. So long as you are using ATMs in your bank’s network, you should not be charged any additional fees.
    • Increased security. In some ways, the app provides more security as the code is for one use only, rather than a debit card which prompts you for the same code each time you use it.

    What are the drawbacks of using cardless cash?

    • Only available with a few bank accounts. Right now, there are only three banks in Australia that offer this feature with their accounts, limiting your choices when making comparisons.
    • If the ATM network is down, you will not be able to use the code to withdraw money until it is up and running again.

    Tips to help you keep your bank account safe when using cardless cash

    With any product or device that provides access to your money, either online or offline, you need to be careful about its security. To best protect your money when using cardless cash, avoid the following:

    • Protect your online banking details

    Never share the password to your online bank account. With the password, people could gain access to your cardless cash details and make withdrawals without your consent.

    • Monitor suspicious transactions on your account

    Although banks take precautions to protect your information, there is always the possibility of a hack. If you notice unauthorised withdrawals from your account using cardless cash, notify the bank immediately.

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    4 Responses to No cash and no card? Access your savings with your smartphone using cardless cash

    1. Default Gravatar
      Frederick | March 26, 2016

      Can I transfer money to another account

      • Staff
        Shirley | March 29, 2016

        Hi Frederick,

        Thanks for your question.

        Yes generally you can transfer funds to another account.

    2. Default Gravatar
      What | March 4, 2016

      What happens if ive forgotten
      My password
      What happens if ive forgotten my password

      • Staff
        Shirley | March 7, 2016

        Hi Janet,

        Thanks for your question.

        If you’ve forgotten your password, you’ll need to speak to your bank directly to retrieve it. You need to do this over the phone for security reasons.

        Hope this helps.

    Ask a question