What is cardless cash? (2024)

FAQs

What is cardless cash? ›

Cardless ATMs offer the convenience of withdrawing funds without a plastic debit or ATM card. Customers have the same transaction and withdrawal options as they would with a physical card. At the ATM, open your mobile app or digital wallet, tap your phone on the ATM or scan the QR code, and enter your PIN.

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.

Yes. You need to sign-in to Cardless Cash before a cash code can be generated.

Cardless ATMs allow you to make transactions at an ATM without having to use your debit card. When you make a transaction at a cardless ATM, you'll hold up your phone—or other wearable device with a digital wallet—to the contactless symbol on the ATM.

It's the same technology that makes it possible to tap and pay with your phone when you check out at a store. To use it at a cardless ATM, you'll generally sign in to your bank's mobile app, choose your account, tap the phone against the ATM and enter your PIN.

Then, enter details such as OTP, beneficiary mobile number, 9-digit order ID, and the transaction amount. Once the above details are validated, the cash will be disbursed by ATM. Cardless cash withdrawal requests can be initiated for a minimum of Rs. 100 per transaction and up to a maximum of Rs.

To take advantage of cardless ATM transactions, you generally need to have your bank's mobile app installed on your mobile device or your card information stored in a virtual wallet. Cardless ATMs normally rely on one of these types of technology: Near-field communication.

Without a card, especially a credit card.

Some ATMs use NFC to conduct cardless transactions. With this type of cardless ATM, you tap your phone against the machine's contactless symbol and your phone's digital wallet pulls up. From there, you select which card you want to use from your wallet and enter your PIN. Then, the ATM authenticates your transaction.

How do I pay cardless payments? ›

This payment method works by tapping a payment card or other device near a point-of-sale terminal equipped with contactless payment technology. Contactless payment is also referred to as tap-and-go or tap by some banks and retailers.

For cardless withdrawals, requesting customers would simply dial *770*8*AMOUNT# from their registered phone numbers and follow the on-screen prompts to create a one-time PIN (OTP), then enter the PIN to get a Paycode. At the ATM, the customer would enter the Paycode, PIN, and Amount to get the cash.

If you forget your card at home, you can also withdraw cash at Walmart locations by generating a barcode in your One app.

The most famous ones are PayPal, Apple Pay and Google Pay. The basic functionality of these payment apps tends to be similar. You load them with funds from your bank account and/or receive funds from other sources. You then use these funds to make purchases and/or transfer them to your bank account.

I forgot to take my money from the cash machine

In most cases, a cash machine will wait a few seconds and then retract the cash and your account will be re-credited.