cardless cash st george

Cardless cash: What Australia’s major banks have to offer

Information verified correct on December 4th, 2016

Who does it best? Our review of the cardless cash facilities offered by three major Australian banks.

Cardless cash lets you withdraw money from an ATM without using your card. It takes the form of an automatically expiring code, generated on demand, which lets you make a specific withdrawal at an approved ATM. To make a cardless cash withdrawal, simply:

  • Sign in to your bank’s mobile app
  • Enter the withdrawal amount and other required information in the app
  • Receive a numerical code
  • Select cardless cash at an ATM and enter the code to make the withdrawal

Compare debit cards with cardless cash

Rates last updated December 4th, 2016
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 No account keeping fees, if you deposit $2,000 per month plus no minimum balance required. No ATM fees when using 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 No ATM fees when using St.George, Westpac, BankSA or Bank of Melbourne ATMs in Australia. Deposit at least $2,000 per month and enjoy no monthly service fee. Open More
St.George Express Freedom Account
A secure SMS authentication is required to get your 'get cash code'.
Visa $0 $1,000 No ATM fees when using St.George / Westpac / BankSA ATMs. No monthly service fee if you deposit a minimum of $1,000 per month otherwise $3 monthly fee applies. 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

Essentially you’re using your phone to fill in all the withdrawal details so that you or someone else can simply pick up the money from any participating ATM.

      • Cardless cash can be used even if you’ve lost your wallet or do not have your card.
      • For security, the code automatically expires after a short time.
      • This method only lets someone make a certain withdrawal rather than giving them account access.

The generated code can be given to someone else so that they can use it, which makes it a convenient way to near-instantly transfer money, let friends or family make certain withdrawals in an emergency, pay someone or otherwise let them make a specific withdrawal from your account. Cardless cash is a useful feature, but only three of Australia’s big banks offer it, and even then it can only be used with certain types of accounts.

Getting a cardless cash account

To get a cardless cash account, you’ll first need to see whether your bank even offers this feature, and then find out which accounts it’s available with.

Does your bank account come with cardless cash?

Commonwealth Bank, St.George and Westpac all have their own cardless cash facilities with a few different accounts.

BankFeaturesAccounts requiredATM availabilityLearn more
  • Up to three withdrawals per day, $500 per day or $1,000 per week limit
  • Three hour cash code expiry
Freedom, Complete Freedom, Express Freedom, Freedom Plus, Concession, Retirement Access, Sense EverydaySt.George, Bank of Melbourne and BankSA ATMsCompare St.George accounts online
Commonwealth Bank
  • $500 cardless cash daily limit
  • Unauthorised transaction money back guarantee
  • 30 minute cash code expiry
Most Everyday AccountsMost Commonwealth Bank ATMsCompare Commonwealth Bank accounts online
  • Up to three withdrawals per day, $500 per day or $1,000 per week limit
  • Three hour cash code expiry
  • Optional identity confirmation
Basic, Westpac One, Classic and Classic Plus, Cheque, Westpac Choice (you also must be registered for Westpac Protect SMS)Westpac ATMsCompare Westpac accounts online

St.George cardless cash accounts

St.George Bank has cardless cash available with several specified accounts, as long as you have a debit or credit card linked to it. Most people should be able to find an account that’s both suitable for them and includes the cardless cash features.

St.George accountCardless cash?Account featuresLearn more
Complete FreedomY
  • $5 monthly fee if you deposit $2000+ per month
  • Home loan offset options
Express Freedom Y
  • $3 monthly account fees when you deposit $1000+ by the last business day of each month
  • Pay as you go branch and cheque services
Complete Freedom Student Y
  • $0 monthly account fees for under 18s and full-time students
Concession AccountY
  • Designed especially for concession card holders
  • $0 monthly account service fee
Sense Everyday AccountY
  • Combined transaction and savings account
  • 1.25% p.a. interest earnt
  • $5 monthly service fee

Commonwealth Bank cardless cash accounts

Commonwealth Bank offers cardless cash with all personal transaction accounts, known as Everyday Accounts or Smart Access. These are flexible accounts designed to suit most people by offering good utility and reduced fees for everyday banking.

Commonwealth accountCardless cash?Account featuresLearn more
Commonwealth Bank Everyday Smart Access transaction accountsY
  • $4 monthly fees waived for students, under 21 or if you deposit $2000+ per month
  • $0 personal overdraft establishment fee

Westpac cardless cash accounts

Westpac has its own cardless cash feature called Get Cash, which is offered with a number of transaction, savings and combined accounts.

Westpac accountCardless cash?Account featuresLearn more
Basic AccountY
  • Transaction account for concession card holders
  • $0 monthly account service fee
Westpac ChoiceY
  • Transaction account
  • $0 monthly fees for full time students
  • Unlimited free withdrawals
Westpac One Y
  • Combined transaction and savings account
  • $5 monthly fee waived if monthly balance is $2,500 or more
Westpac ClassicY
  • Savings account
  • $10 monthly service fee waived if balance is $5,000 or more
  • 25 free monthly withdrawals
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Andrew Munro

Andrew writes for, comparing products, writing guides, sniffing out deals and looking for new ways to help people get the most out of their money.

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