The CBA app has a "Withdraw Cardless Cash" option of the main menu. Logging into the app requires a fingerprint on my phone. Once you have selected the account and amount the app will generate an 8 digit code that is valid at any CBA ATM for 30 minutes. It will also SMS you a 4 number PIN that is needed to complete the transaction. Voila! No card. Each bank has their own app and simple process but roughly, it's the same.