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No Wallet? No stress

With Cardless Cash in the Bank of Melbourne App, securely withdraw cash without your card 24/7 or even arrange for someone else to get cash.



How it works  

Step 1.
Open the Bank of Melbourne App and tap 'Cardless Cash' on the home screen.
Complete the one time set up by accepting T&Cs and complete the Secure Code SMS Authentication.  

Step 2.
Then select an eligible transaction account to withdraw money from, the amount and select 'get cash code'.

Step 3.

Find your nearest ATM, select Cardless withdrawal and enter your cash code.



Why use Cardless Cash?

24/7 access

Get 24/7 access to your cash without a card through Bank of Melbourne, St.George, BankSA, Westpac or select Westpac Group partner ATMs.

Up to 3 withdrawals

Make up to 3 Cardless Cash withdrawals per day. Get up to $500 per day and $1000 per week1

Share your code

Share your cash code with others – ideal if you need to quickly get cash to friends or family



Total Security

Cardless Cash is the secure way to withdraw cash

  • You'll need to be registered for Internet Banking and sign in to the Bank of Melbourne App to set up Cardless Cash and generate a cash code.
  • Cash codes expire as soon as they have been used or after 3 hours.

Who can use it?

Cardless Cash is available to Bank of Melbourne customers who have the Bank of Melbourne App and who have an eligible personal transaction account2 with a linked debit card.

Have everything you need?

You'll need to be registered for Internet Banking before logging onto the Bank of Melbourne App to use this feature. 

Can’t remember your login details? Find your Customer Access Number or reset your security code and password online before you get started.



Get the app

Download the Bank of Melbourne App onto your iPhone through the App Store or your AndroidTM device through Google PlayTM.
Use your camera on your smart phone and hover over the relevant QR code or click the relevant link below the QR code.
Scanning the QR code or clicking the App Store link will direct you externally from the Bank of Melbourne website.

Cardless Cash FAQs

Here are the answers to frequently asked questions about using the Cardless Cash feature.

Mobile Banking

Learn more about how to get the most out of the Bank of Melbourne App.

The Detail

Before making a decision, it's best to read the terms and conditions and decide whether the product is appropriate for you.

Bank of Melbourne Internet and Phone Banking Terms and Conditions (PDF 255KB) (PDF 549KB)

1. Available on eligible Bank of Melbourne transaction accounts with a linked debit card. Limit of 3 withdrawal transactions per day applies, subject to $500 daily withdrawal limit and $1,000 weekly withdrawal limit. Only available at Westpac Group ATMs in Australia. To access Cardless cash on your mobile you must be registered to use Internet Banking and download the Bank of Melbourne Mobile Banking App.

2. Cardless Cash is only available on the above accounts if the account is active and is not subject to an account block/restriction. An account may be subject to a block/restriction for a number of reasons including bankruptcy and account disputes.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google LLC.

QR Code is a registered trademark of Denso Wave Incorporated.