How it works
Getting cash without your card is really simple:
- Login to the Bank of Melbourne Mobile Banking app (available for iPhone or Android)
- Select the 'Cash' icon
- Complete the one time set up by accepting the Terms and Conditions and completing Secure Code SMS authentication
- Once set up, choose an eligible transaction account to withdraw money from, the amount and select 'Get cash code'
- To withdraw your cash, select 'Cardless Withdrawal' at any Bank of Melbourne, St.George Bank or BankSA and enter your cash code and the amount.
- 24/7 access to your cash without a debit card through Bank of Melbourne, St.George or BankSA 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
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 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
Before making a decision, it's best to read the terms and conditions and decide whether the product is appropriate for you.
- Transaction, Savings & Investment Accounts - Banking Services Terms and Conditions and General Information
- Transaction, Savings & Investment Accounts - Fees & Charges and How to Minimise Them
- Interest rates
- Before using Internet or Phone Banking, please read the Terms and Conditions and before using Mobile or Tablet Banking, please read our Mobile Banking Terms and Conditions.
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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