How to use Westpac cardless cash

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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, your wallet can be slimmer – I meant slimmer because of fewer cards, not cash – and you can just carry your mobile phone to find cash.

If you prefer spending cash to purchase items, this can be a perfect option, because you will be able to find cash easily. Westpac has more than 3,000 ATMs across Australia, so you don’t have hard time trying to find an ATM. Since it uses ATMs, withdrawal will be possible 24 / 7, day and night. Then, let’s find out our first step to use it.

Download Westpac app

You must have the Westpac Mobile Banking app in order to use their cardless cash. You can search it either on 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 registration for Westpac Online Banking and Westpac Protect. You can register here.

Start Using It

Once that’s done, you are pretty much ready to use cashless card.

  • 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 positive message, I think you can use the service without any concern.


Westpac cardless cash is an easy and a 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.

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