Finder makes money from featured partners, but editorial opinions are our own.

Cardless cash: How to use cardless cash and which banks offer it

Cardless cash lets you withdraw cash from ATMs without your debit card, but only a few Australian banks offer this feature.

1 - 6 of 6
Name Monthly fee Govt. Guarantee Own network ATM fee Card type
Westpac Choice
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay Digital Card
Monthly fee
$5
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
Go to siteMore Info
Eligible cardholders can get discounts when shopping at partner brands.

St.George Complete Freedom Account
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
Go to siteMore Info
Get up to 4 $10 cashbacks when you spend $40 at Woolworths on your Visa Debit Card.
Bank of Melbourne Complete Freedom Account
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
Get up to 4 $10 cashbacks when you spend $40 at Woolworths on your Visa Debit Card.
BankSA Complete Freedom Account
Apple Pay Google Pay Samsung Pay
Monthly fee
$0
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
Get up to 4 $10 cashbacks when you spend $40 at Woolworths on your Visa Debit Card.
ANZ Access Advantage
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$5
Government Guarantee
Own network ATM fee
$0
Card type
Visa
More Info
Commonwealth Bank Smart Access
Apple Pay Google Pay Samsung Pay Fitbit Pay Garmin Pay
Monthly fee
$4
Government Guarantee
Own network ATM fee
$0
Card type
Mastercard
More Info
loading
Showing 6 of 6 results

What is cardless cash?

Cardless cash allows you to withdraw money from an ATM without using your debit card. Instead, you can opt to receive a unique code from your bank to your phone (either by text message or within your mobile banking app) that you can then use at an eligible ATM to verify your cash withdrawal. If your bank offers cardless cash, you can access the feature within your mobile banking app. You need to select how much cash you'd like to withdraw within the app, and you can only use an ATM that supports the cardless cash feature.

Cardless cash allows you to still withdraw cash if you forgot your wallet or if you're out with just your phone on you. You can also use it to help family members access money if they're ever in need. All you have to do is provide them with the unique code so they can withdraw the money from a nearby eligible ATM.

How to use cardless cash

If your bank account offers the cardless cash feature, here's how to use it.

1. Select cardless cash in your mobile banking app. Select the cardless cash option within your mobile banking app, and enter the amount of cash you'd like to withdraw. There are daily withdrawal limits, as noted in the table above.

3. Receive your unique code. After confirming your cardless cash request you'll be sent a unique code as a text message or on the screen in your mobile banking app (or both). For security, this code will expire after a short amount of time.

4. Locate a cardless cash ATM. Navigate to the closest ATM within your bank's network that's compatible with cardless cash. You may be able to locate your closest ATM using your mobile banking app. When you get there, select the cardless cash option on the ATM and enter your unique code when prompted to receive your cash.

Which banks offer cardless cash?

Only CBA, Westpac, St.George, BankSA and Bank of Melbourne offer cardless cash in Australia.

BankAccount with cardless cashCardless cash withdrawal limitsCardless cash code expiry
WestpacWestpac Choice AccountLimit of 3 cardless cash withdrawals a day, with a daily limit of $500 and weekly limit of $1,000.Code expires after 3 hours
CBACommonwealth Bank Smart Access AccountCardless cash withdrawals are limited to $500 each day.Code expires after 30 minutes
St.GeorgeSt.George Complete Freedom AccountLimit of 3 cardless cash withdrawals a day, with a daily limit of $500 and weekly limit of $1,000.Code expires after 3 hours
BankSABankSA Complete Freedom AccountLimit of 3 cardless cash withdrawals a day, with a daily limit of $500 and weekly limit of $1,000.Code expires after 3 hours
Bank of MelbourneBank of Melbourne Complete Freedom AccountLimit of 3 cardless cash withdrawals a day, with a daily limit of $500 and weekly limit of $1,000.Code expires after 3 hours

Does my phone support the cardless cash feature?

BankMobile banking appDevice compatibility requirements for iOS (Apple) appDevice compatibility requirements for Google Play app
WestpacThe Westpac AppRequires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.Compatible with Android devices, requires version 6.0 and above
Commonwealth BankThe CommBank appRequires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.Compatible with Android devices, requires version 6.0 and above
St.GeorgeSt.George Mobile BankingRequires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.Compatible with Android devices, requires version 6.0 and above
BankSABankSA Mobile BankingRequires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.Compatible with Android devices, requires version 6.0 and above
Bank of MelbourneBank of Melbourne BankingRequires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.Compatible with Android devices, requires version 6.0 and above

ANZ's cardless cash feature

ANZ doesn't offer the same cardless cash feature as Westpac and CommBank, but it does offer a version of this feature. ANZ customers can link their ANZ debit card to Apple Pay, Google Pay or Samsung Pay and withdraw cash at any ANZ ATM using their digital wallet instead of their debit card.

How to get cash without your ANZ debit card:

  1. Make sure your ANZ debit card is linked to either Apple Pay, Google Pay or Samsung Pay.
  2. Locate your nearest ANZ ATM.
  3. Go into your digital wallet app and select your ANZ debit card.
  4. Tap your phone on the contactless symbol on the ATM and enter your PIN (it's like using your debit card, but with your phone instead!).

Does NAB offer cardless cash?

No, NAB doesn't yet offer the cardless cash feature. You still need to use your NAB debit card to withdraw cash from a NAB ATM, although you can tap your card instead of inserting it at some smart ATMs. Unlike ANZ, NAB also doesn't yet offer the ability to withdraw cash using Apple Pay or Google Pay.

Pros and cons of cardless cash

Pros

  • The convenience. With cardless cash, you have the ability to travel light when you need to.
  • In emergencies. You can continue to access your cash in an emergency even if you've left your wallet at home.
  • You can help family and friends. You can share the code with a trusted family member when they're out an need cash, for example your child.
  • No additional costs 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.

Cons

  • Limited bank accounts. Right now, there are only a few banks in Australia that offer this feature with their accounts.
  • Limited ATMs. Not all ATMs offer this feature. Plus, 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.

Frequently asked questions

More guides on Finder

Ask a Question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

16 Responses

    Default Gravatar
    KylieDecember 8, 2023

    How to cardless deposit at CommBank if you don’t have an account there

      AvatarFinder
      RichardJanuary 9, 2024Finder

      You will need an account to do this.

    Default Gravatar
    KayApril 30, 2019

    Can I careless cash with regional Australia bank?

      AvatarFinder
      JeniMay 1, 2019Finder

      Hi Kay,

      Thank you for getting in touch with Finder.

      I’m afraid that it is not available on Regional Australia Bank’s ATMs. Please note that the careless cash can be done at an eligible ATM to verify your cash withdrawal. If your bank offers cardless cash, you can access the feature within your mobile banking app. You need to select how much cash you’d like to withdraw within the app, and you can only use an ATM that supports the cardless cash feature whether it is .

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

    Default Gravatar
    BronwynApril 15, 2019

    How can I do cardless cash with ANZ?

      AvatarFinder
      MaiApril 16, 2019Finder

      Hi Bronwyn,

      Thank you for reaching out.

      If you are an ANZ customer, you can use your smartphone or smartwatch to withdraw cash from eligible ANZ ATMs. You need to have a feature called ANZ Wallets@ATM. This includes Apple Pay, Samsung Pay, Google Pay, Gamin Pay and Fitbit Pay. You can also hover your smartphone or smartwatch over the contactless symbol on an eligible ATM to withdraw cash from their account without your debit or credit card. You can contact ANZ to assist you on how you can incorporate the new feature to your account with them.

      Hope this helps!

      Kind Regards,
      Mai

    Default Gravatar
    DesireeMarch 30, 2018

    Can i do cardless withdrawals overseas??

      AvatarFinder
      JeniMarch 30, 2018Finder

      Hi Desiree,

      Thank you for getting in touch with finder.
      As of the moment this cardless cash facility is 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.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

    Default Gravatar
    TrentMarch 30, 2018

    Can u still get card less cash if your bank is debit

      AvatarFinder
      JeniMarch 30, 2018Finder

      Hi Trent,

      Thank you for getting in touch with finder.
      Yes, this cardless cash facility is linked with a debit card. Right now, there are only three banks in Australia that offer this feature with their accounts, limiting your choices when making comparisons.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

Go to site