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.
|Bank||Account with cardless cash||Cardless cash withdrawal limits||Cardless cash code expiry|
|Westpac||Westpac Choice Account||Limit of 3 cardless cash withdrawals a day, with a daily limit of $500 and weekly limit of $1,000.||Code expires after 3 hours|
|CBA||Commonwealth Bank Smart Access Account||Cardless cash withdrawals are limited to $500 each day.||Code expires after 30 minutes|
|St.George||St.George Complete Freedom Account||Limit of 3 cardless cash withdrawals a day, with a daily limit of $500 and weekly limit of $1,000.||Code expires after 3 hours|
|BankSA||BankSA Complete Freedom Account||Limit 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 Melbourne||Bank of Melbourne Complete Freedom Account||Limit 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?
|Bank||Mobile banking app||Device compatibility requirements for iOS (Apple) app||Device compatibility requirements for Google Play app|
|Westpac||The Westpac App||Requires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.||Compatible with Android devices, requires version 6.0 and above|
|Commonwealth Bank||The CommBank app||Requires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.||Compatible with Android devices, requires version 6.0 and above|
|St.George||St.George Mobile Banking||Requires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.||Compatible with Android devices, requires version 6.0 and above|
|BankSA||BankSA Mobile Banking||Requires iOS 10.0 or later. Compatible with iPhone, iPad and iPod touch.||Compatible with Android devices, requires version 6.0 and above|
|Bank of Melbourne||Bank of Melbourne Banking||Requires 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:
- Make sure your ANZ debit card is linked to either Apple Pay, Google Pay or Samsung Pay.
- Locate your nearest ANZ ATM.
- Go into your digital wallet app and select your ANZ debit card.
- 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
- 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.
- 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.
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