Never be without cash. Use your phone to withdraw cash from ATMs when you don't have access to your debit card.

Commonwealth Bank, Westpac and St.George have all found a way to make access to your cash even easier. With secure apps installed on your mobile phone, you can log into an ATM and withdraw the money you need. Your phone is already at your fingertips – now your cash will be too.

Cardless Cash Offer

Enjoy low monthly account-keeping fees with St.George Complete Freedom Account and $0 ATM fees.

• $0 monthly fee when at least $2, 000 is deposited per month or open a Complete Freedom Student account, otherwise a fee of $5 applies per month
• $0 ATM withdrawal fee at 50, 000+ ATMs globally
• Visa Debit with payWave

Rates last updated December 21st, 2016

What is cardless cash and how does it work?

Cardless cash works by providing you with a unique code that can then be entered at an ATM to withdraw cash when your card is not on hand. This is a nice option to have if you don’t want to carry your cards with you, but would still like the option of withdrawing money if you need it. It is also convenient for allowing family members to make withdrawals if you they are not nearby.

Compare debit cards that offer cardless cash

In Australia, there are only four banks that offer cardless cash options on their cards. As this feature becomes more commonplace, it's important to compare the following to help make choosing an account easier.

How does the bank ensure cardless cash transactions are secure?

You want to ensure that your money is being protected above anything else. Test the relevant app and check what security measures are in place to ensure that no one else can use the app to gain access to your account.

How easy is it to use the app?

It is hard to beat the ease of sliding a card into a machine, entering a code, and pulling out your cash. With an app, you want to make sure that the process is just as simple.

How extensive is the ATM network?

Check to see how extensive the ATM network is for each of the banks. Since this app requires some pre-planning, you don’t want to get your code but be stuck with no ATM to use it at.

Handset compatibility: does your device work with the app?

The app will have to be available in a format that fits the version of your current mobile device. Look carefully at the specifications when making your comparisons.

Sharing options

Check to see if you are able to nominate someone else to pick up the cash on your behalf. In some cases this can be done by providing the app with the appropriate person’s mobile phone number.