Cardless Cash

What is happening?

As part of continually reviewing our products and services, Bank of Melbourne will no longer offer the Cardless Cash Withdrawal feature from 8pm (AEDT) Friday 11th October 2024. 

You can still make cash withdrawals using your physical card at over 7000 ATMs in our network across Australia, including Precinct and atmx machines. Cash transactions are also available at more than 500 branches, regardless of whether you are a Westpac, Bank of Melbourne, St.George, or BankSA customer. Additionally, you can withdraw cash at stores that accept cash out and at Bank@Post.

Alternatively, if you leave home without your physical card, you can enrol your card to your smart device digital wallet, to pay in-store and online or send and receive money in real time using Internet banking via Transfer & Pay, PayID or Payees.
 

Accessing your money 

Debit Card
Order a Debit Card so you can make cash withdrawals at ATMs, in branch and stores that accept cash out and Bank@Post 
 

PayID
Make a payment in near real-time – in most cases only a few seconds – 24/7, even on weekends and public holidays, between eligible accounts at participating financial institutions. Find out more

What is cardless cash?

Cardless Cash is a Mobile Banking service that allows you to withdraw cash from an ATM without using your card. With Cardless Cash, you can simply generate a 6-digit cash code in our Mobile Banking App and use it to withdraw cash at any St.George, Bank of Melbourne, BankSA, Westpac or select Westpac Group partner ATMs. Find your nearest ATM.

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.

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.
• Cash codes can be cancelled by selecting ‘Delete code’ from the cash code screen.
  
• Cardless Cash will show on your statement as ‘Cardless ATM withdraw’

Who can use it?

Cardless Cash is available to Bank of Melbourne customers who are 18 years or older, have the Bank of Melbourne App and who have an eligible personal transaction account² with a linked debit card. You can also use Cardless Cash if your card has been lost or stolen, or if you have not yet received or activated your card. Check out the accounts that use Cardless Cash to check you are eligible.

The Detail

Before making a decision, read the terms and conditions and decide whether the product is appropriate for you.

• Transaction, Savings and Investment Accounts: Terms and Conditions (incorporating fees and charges) (PDF 634KB)
• Interest rates

Bank of Melbourne Internet and Phone Banking Terms and Conditions (PDF 255KB) (PDF 479KB)

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 or select Westpac Group partner 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. You must be 18 years or older to use Cardless Cash.

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.

QR Code is a registered trademark of Denso Wave Incorporated.

PayID is a registered trademark of NPP Australia Limited.

OSKO is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518