Cardless Cash

No card? No drama. Ever found yourself needing cash but you don’t have your card? Ever needed to get cash to someone urgently? With Cardless Cash you can withdraw cash from any Bank of Melbourne or Westpac ATM by generating a cash code in our Mobile Banking app.
Cardless cash from Bank of Melbourne, now on our Mobile Banking app

How it works

Getting cash without your card is really simple:

  1. Login to the Bank of Melbourne Mobile Banking app (available for iPhone or Android)
  2. Select the 'Cash' icon 
  3. Complete the one time set up by accepting the Terms and Conditions and completing Secure Code SMS authentication
  4. Once set up, choose an eligible transaction account to withdraw money from, the amount and select 'Get cash code'
  5. To withdraw your cash, select 'Cardless Withdrawal' at any Bank of Melbourne, St.George Bank, BankSA or Westpac ATMs and enter your cash code and the amount.


Cardless Cash mobile screenshot
  • 24/7 access to your cash without a debit card through Bank of Melbourne, St.George, BankSA or Westpac ATMs. Get up to $500 per day and $1000 per week1
  • Make up to 3 Cardless Cash withdrawals per day
  • Share your cash code with others – ideal if you need to quickly get cash to friends and family 

Total security

Cardless Cash is a secure way to withdraw cash:

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

Who can use it?

Cardless Cash is available to Bank of Melbourne Mobile Banking customers who have an eligible personal transaction account2 with a linked debit or credit card. 

Complete Freedom - smart, simple and no surprises

Complete Freedom is a safe and secure everyday account that's packed with useful features. It comes with a handy Visa Debit Card3 and clever Internet and Mobile Banking, plus you can open one online in less than 5 minutes.

Download our apps

The Detail

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

Please read these documents and keep a copy. You can request a paper copy at a branch or by post.

The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it’s right for you. If you need help, call 13 22 66.

1. Cardless Cash limit of 3 cardless transactions per day, subject to daily withdrawal limit of $500 and weekly withdrawal limit of $1,000. All Cardless Cash limits apply across St.George, BankSA and Bank of Melbourne accounts and Mobile Banking apps.

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.

3. To be eligible for a Visa Debit Card, you  must have an Australian residential address and be over 14 years of age. If you’re under 14, you can apply for a Freedom Card.

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