Cardless Cash

Cardless Cash is a new 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 ATM. Find your nearest ATM.

Just download the latest Mobile Banking app from the App Store or Google Play. Then login to the Mobile Banking app using your Internet Banking credentials and you will see the 'Cash' icon at the bottom of the screen. Cardless Cash can also be accessed via the 'Services' menu.

You may use Cardless Cash:

• On an everyday basis, as an alternative to, or in addition to, using a debit/credit card to withdraw cash from ATMs.
• On an emergency or ad hoc basis. For example, if your card is lost or stolen or when you do not have your card with you.
• To provide money to someone or make payments to someone by sharing the cash code.
  

• Login to the Mobile Banking app and tap the 'Cash' icon at the bottom of the screen. Cardless Cash can also be accessed via the 'Services' menu.
• To use Cardless Cash, you will first need to complete the easy one time set-up - Simply tap 'Get started' to accept the Cardless Cash Terms and Conditions and complete the Secure Code SMS authentication.

Cardless Cash is a secure service and is available to Mobile Banking customers who hold a personal transaction account with a linked debit or credit card.

1. Select an eligible account to withdraw cash from (ineligible accounts will be greyed out and ineligible products will not be displayed).
2. Select a withdrawal amount, within the account balance and Cardless Cash limits.
3. Tap the 'Get cash code' to generate the 6-digit cash code. Cash code will expire 3 hours from issue as per the countdown.
4. The ATM locator can be used to find the closest or most convenient ATM.

From the screen that displays the cash code, you have an option to send cash to friends and family or pay someone by tapping 'Share via SMS' and sending an SMS that includes the cash code and amount to that person.

From the screen that displays the cash code, you have the option to cancel the cash code by selecting 'Delete code'.

You can make up to 3 Cardless Cash ATM withdrawals a day, with a daily withdrawal limit of $500 and a weekly withdrawal limit of $1000.

To withdraw cash, you, or anyone you have shared the cash code with, can select 'Cardless Withdrawal' at the ATM, enter the cash code and the amount. It's that easy.

You can only use Cardless Cash codes at St.George, Bank of Melbourne, BankSA, Westpac or select Westpac Group partner ATMs. Find your nearest ATM.

Internet/Mobile Banking customers with an eligible personal transaction account(s) with a linked Debit or Credit Card, who are registered for Secure Code SMS.

Eligible accounts are:

• Complete Freedom
• Complete Freedom Offset
• Freedom Plus
• Freedom
• Freedom Offset
• Retirement Access Plus
• Concession Account

Ineligible accounts will be greyed out.

• Cardless Cash T&Cs are specific to the service and are a legal requirement.
• Cardless Cash T&Cs can be accessed from the Cardless Cash 'Get started' screen.
• Cardless Cash T&Cs can be found in our Internet and Phone Banking T&Cs

Yes, you can still use the Cardless Cash service. And remember to notify us that your ATM card has been lost or stolen.

Yes, you can still access the Cardless Cash service to obtain cash from an ATM, even though you may not have received or activated your card.

Your statements will itemise Cardless Cash withdrawals. For example:

• CARDLESS ATM WITHDRAW21JAN09:06
  BANKSA WEST LAKES SA5 AU

Your statements will itemise Cardless Cash ATM reversals. For example:

• REV-CARDLESS ATM WITH21JAN09:06
  BANKSA WEST LAKES SA5 AU

• Cardless Cash is only available via the Mobile Banking (iOS/Android) app and the smartphones and devices the app is supported on. 

Cardless Cash is not available on Internet banking, mobile banking through a smartphone browser, the Windows Mobile Banking app or via the Tablet Banking app.

Under the Cardless Cash T&Cs you are responsible for sharing a Cardless Cash code. The Bank is not liable for you incorrectly sharing the code with an unintended recipient. An active Cardless Cash code can be cancelled by you in the Mobile Banking app or via calling our Customer Service.

Cardless Cash is secure and incorporates multiple controls. These include:

• Mobile Banking authentication. 
• Secure Code SMS which is required to set-up Cardless Cash and create the 'bind' relationship between you and the smartphone.
• Your withdrawal limits - 3 Cardless Cash ATM withdrawals a day, with a daily withdrawal limit of $500 and a weekly withdrawal limit of $1000.
  
• A maximum of 1 active cash code per customer at any time.
• Random 6-digit cash codes are single use and expire as soon as they've been used or after 3 hours.
  • You are covered if your Internet/Mobile Banking credentials are compromised and used to make Cardless Cash withdrawals under 'St.George Protect' - our Internet/Mobile Banking security guarantee.

No. Only personal transaction accounts are eligible.

You should follow the business as usual process, including calling the Customer Service, and/or changing your Internet/Mobile Banking credentials via Internet Banking.

Any suspected fraud related incidents should be escalated to 'Risk & Fraud Operations' following your business as usual process. Where fraud is broader than Cardless Cash, 'Risk & Fraud Operations' will refer this to 'Group Investigations / Group Protective Services'.

You will be able to view your Cardless Cash transaction history in the same way you view all of your current banking transactions through Internet Banking or Mobile Banking.

More information about Cardless Cash can be found here.