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Could you survive a day without your wallet?

Information verified correct on April 27th, 2017

Lost your wallet? Don’t worry - there are plenty of ways you can get around without any cash.

Losing your wallet or bag has long been a stressful scenario for Australians of all ages. Not only do you have to worry about cancelling and replacing all your credit and debit cards as quickly as possible, you also have to find a way to survive without cash in the interim.

But a lost wallet is not as disruptive an experience as it once was. From cardless cash options to Uber, there are heaps of ways you can survive a day without your wallet in your pocket.

St.George Complete Freedom Account

Cardless Cash Offer

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

  • $0 monthly fee when at least $2,000 is deposited per month or open 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 cardless cash debit cards below

    Rates last updated April 27th, 2017
    $
    Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
    ANZ Access Advantage
    Withdraw money from contactless enabled ANZ ATMs with ANZ Mobile Pay on your compatible Android mobile phone.
    Visa $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 ANZ ATMs. Go to site More
    St.George Complete Freedom Account
    Withdraw money from any St.George or Westpac ATM by generating a cash code in the banking app (available on iPhone and Android).
    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. Go to site More
    Westpac Choice
    Withdraw money from any Westpac group ATM by generating a cash code in the banking app (available on iPhone and Android).
    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, Bank of Melbourne and BankSA ATMs. Go to site More
    St.George Express Freedom Account
    Withdraw money from any St.George or Westpac ATM by generating a cash code in the banking app (available on iPhone and Android).
    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. Go to site More
    Commonwealth Bank Smart Access
    Withdraw money from any CommBank ATM by generating a cash code and cash PIN via SMS in the banking app (available on iPhone and Android).
    Mastercard $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $4 fee applies. Unlimited free withdrawals at CBA ATMs. More

    Getting cash

    In days gone by, if you lost your wallet with all your money and cards, getting your hands on cash could be very tricky. However, the advent of cardless cash services changed all that.

    Cardless cash is where your bank sends you a unique code via its mobile banking smartphone app. You can then enter that code into an ATM and withdraw cash when your card is not available. It can be extremely handy in an emergency and is offered by several Australian banks, including Commonwealth Bank, Westpac and St.George.

    Cardless cash is only available with selected bank accounts. For example, St.George’s Freedom Account allows St.George Mobile Banking customers to access their funds 24/7 through St.George, Bank of Melbourne or BankSA ATMs. Similarly, the Commonwealth Bank Everyday Account provides 24/7 access to cash without your card and the option to withdraw up to $500 a day.

    Getting around

    You’ve lost your public transport card along with your wallet, and you don’t have any money to pay for a train or a taxi, so how are you going to get from A to B if you don’t have a car?

    The answer is simple: get an Uber. Uber has taken the world by storm in the past few years and is now available in Adelaide, Brisbane, Canberra, Geelong, Gold Coast, Melbourne, Newcastle, Perth, Sunshine Coast, Sydney and Toowoomba.

    This ride-sharing service offers an easy and affordable way to get around, but it also offers the benefit of cashless payment. Once your Uber trip ends, the fare is automatically calculated and charged to the payment method linked to your Uber account – so no cash, no worries.

    Getting lunch

    Next on the list of essential survival items for a day without your wallet is getting something to eat and drink. You might be incapable of starting the day without a coffee from your favourite cafe, but how are you going to pay for it if you don’t have your wallet?

    Hey You provides a simple solution. This popular app allows you to order ahead and jump the queue at cafes and food outlets around the country. Not only does this guarantee fast and friendly service at your favourite eateries, but it also offers the convenience of cashless payments.

    Hey You is available for Apple, Android and Windows Phone, so check it out today and ensure that you never have to go hungry.

    Other ways to pay without cash

    Some banks offer an even simpler way to pay for your purchases using your smartphone. Many Australian bank customers can now use the Apple Pay or Android Tap & Pay systems to make fast and easy purchases of up to $100.

    Taking advantage of NFC (near field communications) technology, all you have to do is tap your compatible smartphone on the merchant’s contactless terminal when buying items.

    This handy feature is available on selected accounts from Australian banks. For example, NAB’s Classic Banking Account offers Android Tap & Pay functionality, while ANZ Access Advantage customers can complete purchases using Apple Pay.

    There are plenty of other ways you can get by without your wallet. PayPal allows you to checkout at more than 110,000 Australian stores, including big brands like The Iconic to Dominos, and experts have predicted that it won’t be too long until Australia is a completely cashless society.

    Losing your wallet or simply leaving it at home doesn’t mean your day is ruined. You just need to know where and how to make purchases without cash or cards.

    The latest in banking

    Tim Falk

    A freelance writer with a passion for the written word, Tim loves helping Australians find the right home loans and savings accounts. When he's not chained to a computer, Tim can usually be found exploring the great outdoors.

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