How to use Westpac cardless cash

Did you know that you can withdraw cash out of a Westpac ATM without any card? If you are a Westpac customer, you can use this convenient service called cardless cash. With this service, you …

Did you know that you can withdraw cash out of a Westpac ATM without any card? If you are a Westpac customer, you can use this convenient service called cardless cash. With this service, you can keep your wallet slimmer or maybe just leave it at home. All you need is your smartphone to withdraw cash at the Westpac ATM.

If you prefer spending cash to purchase items, this can be a perfect option. It is easy and smart. Westpac has more than 3,000 ATMs across Australia, so it will not be difficult to find a Westpac. Let’s find out our first step to use it.

Download Westpac app

As a prerequisite, you must have the Westpac Mobile Banking app in order to use their cardless cash. You can search it either on the Android or iOS app store. You may have already downloaded the app if you are a customer. If you haven’t, but you are a customer, you should download this app and start using it, because the app will allow you to do many useful things.

You can quickly check your balance and easily transfer money between accounts. Using the app, you can also make payments and transfers. Before you download the app, make sure that you have your everyday banking account activated. Also, finish the registration for Westpac Online Banking and Westpac Protect. You can register here.

Start Using It

Once that’s done, you are ready to use cardless cash.

  • Now, open the app and click the Cardless Cash menu.
  • Accept the terms and conditions, and set up a one-time security code.
  • Now you can select your account and amount.
  • Click Generate code.
  • The Cardless Cash code appears on the screen.
  • Go to ATM and select Cardless Withdrawal.

When Is It Useful?

There were a few times when I left my debit card in a pocket of my jacket and went out for groceries. I had to go back home, find my card, and go out again. What a waste of time! I could have saved my time if I had started using cardless cash. There can be other situations you don’t want to face.

What if you have lost your wallet or your credit card? What if you have to lock your card for a security reason? No one will not want to just wait until a new card arrives. With cardless cash, you can get prepared for these inconvenient situations, and best of all, the service is free.


Although it is a great service, there are some limits and conditions to Westpac cardless cash.

  • You can withdraw up to $500 per day.
  • You can withdraw up to $1,000 per week.
  • You can use it only within Australia.
  • You can have up to 3 cardless transactions per day.
  • You should be over 16 if you hold Westpac Debit Mastercard.
  • You can withdraw across St.George, BankSA, and Bank of Melbourne accounts. (not a limit)

Positive Feedback

I visited to see how people think about this service and the bank’s service overall. Most of the people who have left their reviews responded positively about the bank. One of the reviews also caught my attention.

“Prompt, easy, and convenient banking. Able to access money without card through cardless cash, fraudulent funds reimbursed fast, customer service very helpful. Banks located everywhere.” – Amee

This person liked Westpac’s cardless cash and their service. Considering that many other people left a positive message, I think you can use the service without any concern.

How People Think About Westpac iOS App

To use Westpac cardless cash, you must use an app. I continued my research about the Westpac iOS app to discover the experiences of customers and share my findings with you. Investigating the reviews of other users can lead to a good decision of whether or not to buy or use it. It is a wise thing to do as a consumer. If people are dissatisfied with it, they will complain about it and won’t recommend it. If they are happy, they will leave positive comments and share their great experiences. If we can compile and analyze those reviews, we can have an assurance about the product or the service.

That’s what I am going to do for you. I used around 500 reviews that people left on the App Store. I summarized those data to generate easy-to-understand graphs and charts. Those visuals will allow you to understand the overall sentiments the customers had toward the iOS app. They are also extremely easy to understand.

Positive Westpac App Word Cloud

In a word cloud, some words will appear bigger because those specific words were more frequently used among customers. So, the bigger the more frequent, thus, if those big words are positive, it proves that most of the customers had a positive experience. Have a look at the word cloud of Westpac App.

The word cloud above should have given you a good impression of their products. The most frequent word that actual customers used in their reviews was “good”. Other big words are also positive – “great”, “easy”, “perfect”, and many more. Just by looking at the word cloud, we can learn that the majority of the users were satisfied with their products.

Customer Sentiments

The word cloud tells you what descriptive words people used for the product. There is another angle we can use to understand the Westpac Bank App customer reviews. That is by categorizing the reviews into a type of 10 sentiments. While I used the review titles for the word cloud above, I used the review contents for the sentiment analysis. The result is the graph below.

Positive Customer Sentiments
Positive Customer Sentiments

I was able to run my sentiment analysis code to find out what specific sentiments people had over the Westpac app. As we could guess from the word cloud, more than half of the review contents were positive. Of course, people shared negative experiences. I haven’t seen any review that is all positive. Despite the negative reviews, overall, people left positive comments on the bank app.

Positive Reviews

Let me share the customer reviews about cardless cash from the App Store.

Quite simply I’d be lost without this app. It’s an essential tool for me in my business and private life. Having access to cardless cash is pretty awesome.

This person seems to put much value on cardless cash and other services.

Love the app. Especially cardless cash. Easy to use and heaps of features for your accounts. However there is just one thing and that’s the Apple Pay feature the lack of that is

This person also loves cardless cash, but want to use Apply Pay on the app.

“Great mobile banking app. User friendly with great features such as savings goals for the Westpac Life Savings Account and cardless cash. Only let downs are no PayID yet or a contactless payment system.”

The user loves the app thanks to cardless cash, but also wants other features on the app.

Westpac Cardless Cash Interest Trend

Another type of analysis I often use for a product review is using Google Trend. It is an extremely helpful service by Google that gives you a historical Google search trend. The idea is that if a product or a company can maintain or can increase its search volume over many years, it supports the quality of the product. If a product is bad, people won’t show their interest and eventually will never search for the product anymore. Then, how is the trend of Westpac Cardless Cash? Plus, how has people’s interest in general been changed?

The blue line above shows the changes in people’s interest over the past 5 years. As the line shows, people consistently showed their interest in the Westpac’s cardless cash. This can be a good indicator of the quality of the app.


Westpac cardless cash is an easy and convenient way of withdrawing cash without a card. With this, you don’t have to carry your card all the time. Enjoy your slimmer and lighter wallet with Westpac cardless cash, and have a peace of mind.

Useful Links

If you want to find out more about cardless cash in general, check my other post here.

If you want to have an actual look, check these YouTube videos.