Could you survive a day without your wallet?

Information verified correct on January 16th, 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.

NAB Classic Banking

Cardless Cash Offer

No monthly account fee with no minimum deposit. Your Visa debit card unlocks special privileges worldwide with the HSBC home&Away Privilege Program.

  • Free use at over 3,400 NAB and RediATMs in Australia
  • 24/7 Mobile Banking, including Quick Balance checker
  • Tap and Pay for Android
  • Free linked NAB Visa debit card with payWave

    Compare cardless cash debit cards below

    Rates last updated January 16th, 2017
    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

    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.

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    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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