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

ANZ customers can now withdraw cash using Apple Pay


Millions of ANZ debit cardholders can now select EFTPOS when tapping to pay with Apple Pay to withdraw cash.

ANZ has today announced a new EFTPOS offering for its customers with an ANZ Access Advantage debit card linked to Apple Pay. Customers can now use the digital wallet Apple Pay at the checkout to withdraw cash, by selecting to pay via EFTPOS and putting the transaction through as either "savings" or "cheque".

This means that ANZ customers out-and-about without their physical debit card can not only make purchases using their iPhone or Apple smartwatch using Apple Pay, but they can now also use the app to withdraw their own cash at select merchants. Customers can use Apple Pay with iPhone SE, iPhone 6 and later as well as with Apple Watch.

In September ANZ launched its ANZ Wallets@ATM functionality, which enables customers to use Apple Pay, Google Pay, Samsung Pay, Garmin Pay or Fitbit Pay to withdraw cash at ATMs using just their phone or smartwatch. This feature allows ANZ customers to tap or hover their smartphone over the contactless symbol on eligible ANZ ATMs to effectively make a contactless cash withdrawal. The ANZ Wallets@ATM feature requires customers to enter their PIN in order to withdraw the cash.

These features by ANZ are not to be confused with Cardless Cash, which is offered by Westpac, St.George and CommBank. The Cardless Cash feature allows customers to withdraw cash from ATMs using their smartphone without their debit card. It's done by the bank generating a unique PIN for the customer that they can enter at the ATM to confirm their cash withdrawal.

The Cardless Cash functionality is operated by the banks themselves and managed in their mobile banking apps, whereas the new feature announced by ANZ today is available through the Apple Pay app and the EFTPOS payment system.

ANZ customers with an ANZ Access Advantage debit card can start using the new EFTPOS payments feature from today. Rival CommBank finally announced in December that Apple Pay would be available to its customers this month, while Westpac and NAB have still yet to announce any potential partnership with Apple Pay.

Image: Shutterstock

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • 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.
Go to site