Download Cash by Optus™ apk 3.7 free for Android smartphone

27 Jul
Cash by Optus™

Posted by Optus Mobile Pty Ltd in Finance | July 27, 2016 | 108 Comments

Apk file size: 5.7 MB

Cash by Optus™ is a facility that lets you store up to $500 to make payments using your mobile phone (or using a payment accessory associated with your phone) with Visa payWave technology or using a Visa Prepaid Debit card over the phone or online.

Before you decide to download the app and register, you’ll just need to make sure you have an Optus mobile service.

Visit the product information page at for further information.

Cash by OptusTM is issued by Heritage Bank Limited ABN 32 087 652 024, AFSL 240 984. You should consider the Product Disclosure Statement available at before making any decision in relation to the facility.

Whats new

    Bug fixes and performance enhancements.

Optus Mobile Pty Ltd part of our Finance and have average installs from 10000 to 50000. Last Update July 27, 2016. Google play rating is 72.0. Current verison is 3.7. Actual size 5.7 MB.

Download cash-by-optus-tm.apk 5.7 MB


Steve Morgan

Cash by optus When it works it's good a bit embarrassing when at shopping and it won't work glad I have had cash on me when hasn't worked

Malcolm Reisenleiter

No problems! Works so far at all NFC terminals. No problems what so ever.

Chris Gilligan

Works every time Never had a problem and you can see instantly what they charge you even if you don't get a receipt and can't see the machine. Can also set it to work when app open so people can't just steal phone or get close to pick up the details. Only issue i have is the limits they place of a max of $100 per transaction. Due to that i still need to carry another card and it does not support the Samsung S6 magnetic strip emulator. If it did you could use it where NFC is not yet supported.

cameron allen

No support for Z3 I really want to use this service but optus are painfully slow in updating supported handsets. I purchased my new sony z3 phone from optus and yet you don't support it. It's not exactly a brand new phone anymore.

michael badcock

Not working. I activated the sim Optus sent, then installed this app but it won't let me past square one. It claims I am not a post-paid customer, which is baloney. What's really sh*tting me is that a phone call to Optus support resulted in them having no idea about the error message. They told me to go to an Optus store for help. I did that and after they worked out what the app was actually for, they also had no idea... even when they called support. **UPDATE**: since this review, I received an SMS from Optus apologising for being unable to activate the app, which they put down to high 'demand' then another SMS later that day saying I could now activate the app.... Which I did... but now, the app hasn't worked at both Woolworths and Kmart terminals, which (when presented with the phone for payment) ask me to "swipe or insert card'!!! Galaxy Note 4

Justin Heng

Not i9505G compatible App stupidly blocks phones not on it's list despite having the hardware and software to make it work. Commbank app allows any phone so use that instead.

Adam Duggan

Hasn't worked yet! I put my new sim in my phone, i activated it and I have tried this app half a dozen times, in different places, with different stores and different hardware, has failed to make a payment EVERY TIME. Dont leave your card at home and expect this app to work. I have charged the account too and now can't use that money! Hmmmm not good!

Jamie Silk

Sony Z3 Order the Sim cut the Micro Sim down to size, use old sim as a guide. My New sim fitted into Z3 Sim slot without the Nano Sim holder. Works perfectly as long as the Sim is cut down right and registers with network. Works perfectly for me! If you update handset OS or remove NFC activated Sim from the handset it renders the Sim NFC function blocked/useless. This is a security safety function of all NFC Sim's. Replace NFC Sim if this occurs.

Demarcus Fox

Allowed me to create account then tells me it's not compatible and will start charging fees soon entrapment much.

Leo Janer

Note 4 still doesnt work. Says that Note 4 is compatible. But even after a recent update. App still doesn't work properly.

Trevor Armstrong

Doesn't work... Activated the sim and downloaded the app. Now it's telling me that I still need a pay by optus sim...

Liam Irwin

Works perfectly on my "unsupported" Sony Xperia Z3 Ordered a Sim for an Xperia Z1 and used scissors to cut it down to a nano slot size for my Z3, set up my account and bam! Works like a charm everywhere I've used it

Joseph Hughes

Pay convenience with phone. This app is working well. Great for those little purchases. Takes a while for auto top up to occur so you need to set limit accordingly.

Michael Cherry

Doesn't work Tells me that I need post pay. Which I am. Now I Miss out on the introductory $15

James Spollard

Doesn't work on Nexus 5 running 5.0.1 App says that my firmware is not supported. Clearly not up to date at 5.0.1 is the latest version of Android.

Joshua Kendrick

Great Great app does what it says. Works well with Xperia Z2. Just wish it had ability to top up from credit card like.

Shane Lord

Great Stuff - Easy So easy to use which is fantastic. While not supported you can trim the SIM down to work in the Sony Xperia Z3 (nano SIM). Mine is working great.

Jaemin K

Keep telling me I'm not Optus Customer? Actived my sim but keep telling me that I'm not Optus customer when I am....

Jason Fung

Please support Nexus 5 As in title, please support nexus 5!

Sam Tannous

Problem Solved I had a problem with this application but once I got into contact with the team at optus my problem was fixed within the day! Thanks optus

Brad H

Does not work on note 4 Have been in contact with optus until they ignored me. Bad customer support.

Ricardo Muliadi

Edit: seems to work now for some reason. All good!!!

Remy Virgo

Can't test it Doesn't seem to support CyanogenMod

Nate Johanson

NFC is back Works great however transfers are quicker if sent via your online banking tool instead of the auto recharge feature in the app

David Hackett

Doesn't work! Easy time I try to use it for touch and go payments it will not work. I use other payment apps like this and they work without any problems at all.

Solomon Asalemo

Works great! So easy It works fine on my S5.

Aidan Temple

Please add support for the oneplus one The one has support for wireless pay, so please add them to your list

Shane Jones

Works great Got an s4 that should support app but it works perfect. Great for jut running into shops

Лукас Шеппард

Awesome No need for a wallet

Brendan Creek

Works perfectly! New Sim and registration took 5mins. Free $15 spent easily!

Paul Godwin

Works well, new sim activated in minutes, account linked. Was anxious about first use but it worked without hitch, love it, Greater flexibility now and no wallet needed!

Chris Walsh

Note 4 So Note 4 was compatiable. Used that when i submitted the order form. Then told by the app my phone is not supported. Redirects to me the website to find 'compatiable' phones which mine is according to the website. So umm yea. App sys no. Website says yes. FAQs have no help.... excellent start....

David Wilson

Works well Got my new sim and made my first purchase today with the Optus $15 bonus. Easy to use, easy to setup and works really well on my S5. Having to recharge my account occasionally will be the only pain. Linking it to my Visa card direct would be awesome.

Ben Lander

Great support! After receiving a personal call from Optus, after receiving a message that CyanogenMod is not supported, I can see that the guys behind this product love what they do. Hopefully you get more devices up and running soon!

Darryn Swaby

Brilliant. Sim activation in no time. Works like a charm.

Marcus Hofmann

5 stars pending I understand this is a newly developed app and there are bound to be teething issues however this does NOT work with the LG F5 even though it is listed as a supported phone. Once this issue is resolved I will 5 star.

Steven Bruzz

Wont work Can not get it to work on my s5 has the sim n all that but wont successfully make transaction

John Ballment

Worked perfectly I got my Cash by Optus SIM yesterday and made my first transaction this morning without a problem. I'd been trying to get the Westpac mobile PayWave app to work on my Samsung S4 for over a year but because it is an overseas model, even after replacing the firmware with an Optus version, I still couldn't get it to work. I'm really excited that this is working. A lot of the media are saying this is an NFC SIM which is not quite correct. It implements NFC-SWP which allows it to interact directly with the phone's inbuilt NFC modem/antenna.

Martin Hampton

Leave your cards at home So easy to use. I always have my phone so now I can leave my cards at home

Evan Patrick

Waiting for the right sim Haha, looks like all the optus staff have rated it already. 5 stars once I get my cash by optus compatible sim.

Remy Virgo

Magically, phone doesn't work anymore! New phone was supported, installed, loaded $5. Months later, went to use $5, app says phone no longer supported! Edit: I was contacted by the team after they noticed this review. They offered to help resolve the issue or offer a refund. The phone number they said to call told me they have to email the cash by Optus team to request a refund, and they would call me at some point in the next few working days. Typical barriers designed to make it harder to remove your money. Well it worked, as I no longer care

Dan Hall

Love it I would rate this service five stars if there was a way where it could be topped up faster or directly linked to PayPal. I love the convenience of not needing a wallet full of cards!

Hao Yuan

Tried 4 different places Haven't worked once after 4 tries in different places. I can't even use the free $15 offered by optus. Is it suppose to be hard to use?

Rowland Murphy

Tried to use this app 5/6 different times and it didn't work once

Shane Hayes

Great app, however. This is a great idea for an app - it really is. The only way I think it could be improved is if it had something like PayPal integration where money is deducted from your PayPal account and subsequently taken out of your personal account. Something like that would make this app (and concept) a whole lot smoother as there is no worry about not having enough money when paying for various items. Something like that would be great - however we don't live in a perfect world.

Liam Irwin

Works perfectly on my "unsupported" Sony Xperia Z3! Update: Not working on Lollipop Ordered a Sim for an Xperia Z1 and used scissors to cut it down to a nano slot size for my Z3, set up my account and bam! Works like a charm everywhere I've used it. UPDATE: Since upgrading to Lollipop it no longer works, Optus contacted me and said they are working with Sony to fix this issue that is affecting all Sony Lollipop devices.

g.y. Land

Best invention ever. The cashless banking facility has a newcomer. Cash by Optus allows the user to live with less plastic cards and having more place in your valet for better usage. It works seamless and replenishing your account is easy. By the way the customer support is excellent. Just Optus, better than the competition. Its worth using it.


No having to open app every time unless you want to I love the idea of NFC payments, but I want convenience. Most of the banking apps that support it require you to have to open the app each time, and potentially enter a password. Every. Time. With this, I can set the app to require that if I like, but don't have to. Would love to see a physical card linked to the same account for the few terminals that just don't like NFC payments as you have absolutely no access to your money in that event.

Stuart Gardoll

Still a couple of hiccups but pretty good Can't beat the convenience of this app. Pretty much works flawlessly. The only time I've had an issue is at vending machines where it flat out refuses to work.

ste Ost

Battery drain on Xperia Z3C New beta version is killing my battery. Was great before last update.

Thomas Starks

Waste of time Doesn't work got an error message saying "server interrupted" call centre support there are useless still waiting for a phone call they never got back to me regarding this issuse on my samsung s6

Luke Moloney

Doesn't work Good idea for an app if it functioned! Just keep getting the "server interrupted" message on my nexus 5. Have full 4g coverage too...

Ankur Tripathi

Not working at all I am getting sever interrupted message again and again on my nexus 5(Android 6.0.1). Not able to connect.

Henry Man

Great Work Optus! Nice idea Optus! It's working great however I would like the choice of having an SIM and a band at the same time, and fingerprint recognition on Android 6.0 Marshmallow would also be greatly appreciated for added security. Keep up the good work!

Liam Phelps

Very useful. History of payments very good

Ashley Boyd

Great idea, app not working I was seriously excited to finally be able to use this, but unfortunately I keep getting 'Server interrupted. Try again later' I can't even finish registering because this keeps happening!

Chrissy Poon

Didn't work Really?This app has first rolled out 1 year ago got my $15 "bonus " never worked with my android and no support/response when i sent complain or anything. But I will do the upgrade and see ;)

D Fleming

Not working since 5.1.1 upgrade Was working fine untl I upgraded to android 5.1.1 yesterday. Please fix asap as I have money there I cannot access now.

Timothy Vo

Working on Xperia z3 Giving that it did not initially work on my mobile after the lollipop update I'm glad that it works now.

A Google User

No support for Z3 Has not worked since April 2015.... Since 5.1 account still has $56 on it that I can't use. Optus not helping, no updates. Stay away!!

Joel hogan

Nano sim Does not state what kind of sim says my note 5 is compatible but my note 5 only takes nano sim ?

Paul Askin

Works, but Takes WAAY too long for transferred funds to be available.

Jamie Silk

Sony Z3 Version 2.2 compatible with Sony Z3. Awesome it working again! Thanks Cash by Optus Team for your persistence.

Edward Wong

Xperia Z5 now supported Took a while, but the Z5 now works


Camera access? Been using this for ages and like it - but why does it now require access to my camera?

Shane Ryan

Crap 2nd time I have loaded this in 6months & both times very disappointed

Har quimm

Disappointed. Will not work for rooted phones. How can I get my phone certified by visa?

David Hayter

Room for improvement I'm glad the app finally works at a couple of places I tried on my note 4 after having almost given up. It could use some visual confirmation on the screen though for when the transaction is in progress/completed similar to the progress icon in the CBA app. Also, as others have mentioned, some method of instant payment into the account such as PayPal would be appreciated and possibly convince me to use it as my primary form of payment.

Jimi Croker

Borderline scam. AVOID! Linked my account and transferred a big chunk of my pay across. It was taken out of my account almost immediately but four days later and my cash by optus account has yet to be topped up. I have NO access to my own money!

Richard Helm

Z3 Doesn't work at all on my xperia z3 >:)

Ken Woodworth

Money transfer seems to have improved.

Henry Man

Great! But needs improving It's working great, however there should be some kind of design overhaul as it looks cartoonish for a payment app preferably material design. It would be great if there was a confirmation/accepted screen if the purchase was made because sometimes paywave machines don't make the sound effect, and the phone covers the paywave machine screen. The option for more security options like a pin or 6.0 marshmallow fingerprint support implementation in order to make the purchase is a must! Keep it up Optus!

melissa inch

Galaxy/Seamless transactions!

Henry Man

Great! But needs improving It's working great, however there should be some kind of design overhaul as it looks cartoonish for a payment app preferably material design would look great! It must have more security options like a pin or 6.0 marshmallow fingerprint support implementation in order to make the purchase is a must! Faster top ups would also be great. Keep it up Optus!

Cameron Beveridge

Another stupid optus product Omg just when you thought Optus has f**ked everything up, they go and release a product called cash by optus!! This ladies and gents just may win Optus the title of "dumb c**ts of the year" doesn't even work and no one at Optus seems to know how to fix it, my app just says "your facility has been disabled"......Very clever Optus....well f**king done!!!!

Clare A

Server interupted every time- tried reinstalling, same problem. Would be nice if it worked...

Geoffrey Shelton

Erm.. Guys.. ? I downloaded this app just to leave a comment. I can see from all the other comments that I need to avoid this app like the plague! Haven't you people heard of PayPal? Experienced, trustworthy, and INSTANT!! Drop this app and try something that works ?

Trev Thompson

Your staff suck After a week and multiple phone calls, i got the thing working on my S7edge. Train your support staff better please, thats the reason for all your negative reviews.

Charles Barclay

Nexus 5 I gave it 5 stars,but will it work with master card, or only Visa card.

Ronan Sinclair

Server interupted Server keeps being interrupted. Using Samsung s7 edge with Android 6.0. Please advise when fixed

Grant Haase

Not available on any Nexus devices yet

joshie Bennett

Server interrupted It has been like this for a week now and i feel like it has stolen my money not happy!!!

Cálèb Kemp

The most convenient app on the market One of the best banking apps on the market

Wisan King

Still waiting for accessire

Lachlan Melville

Server Interupted LOL doesn't work good job Optus

Linda Lonic

Same as other complaints Keeps saying "Server interrupted", every time. I will try uninstalling & reinstalling.

Jack McClintock

Does not work Simply, it doesn't work. Server interrupted.

Ams Thikane

Do not work Everytime I open it gives message server intrrupted please try again after some time. So feel this is crapy application.

David Dinh

NFC simcard does not work Ordered an nfc simcard from optus and it doesnt work on my htc one m9. Comes up a stupid oops error msg. Also my partner and mum ordered their cash by optus accessory 3 weeks ago and still has not arrived. Fix bug and get ur apps done right.


Very handy app to have! Takes a few days to load money but great app to have in case you leave wallet at home or had no cash on you. Overall quite good!

Henry Man

Great update but still has flaws Cash by Optus is working great and it is even better when you can now use your band and phone together. There are still some flaws though such as the app design being too cartoonish for a payment system app, and there still isn't any support for Android 6.0 fingerprint authentication. With these new features and a better name, this service would be great for everyone!

Samuel Eades

Very convenient Can leave my wallet at home, just load up the app and use it like a PayWave card. Have had no issues.

Achint S

Awesome app Virtual online card! Have set it up with Google Play to fund my son's Pokemon Go habit:) he can't use more than the balance. Thanks!

Mark Tan

Great new features! I can now add up to 4 accessories, so I can go for a run, leave the phone at home and still pay for things. Ability to rename and in app self service functions are handy too!

Vaivab J Borgohain

HTC 10 After the recent update it says my new phone is not supported. Any reason why HTC10 is not compatible?

Dominic Breese

After update it won't open Just sits on the firs screen and nothing else happens

crystal Ellen brockhoff

Excellent work Optus Iv been with Optus for 2years now prepared but thay are good with there credit savings thanks

Om Chintkuntlawar

simple and convenient easy to use, I now have a working payment sticker and nfc sim.

Nate Johanson

DO NOT WASTE YOUR TIME - PATHETIC Do not bother with this app. The cash by optus team are unable to assist you with any enquiries you might have, you will spend over 2 hours on the phone being transferred from department to department. When the app does actually work it only works for a short period of time before you're forced to contact optus to have them attempt to fix the problem which means being transferred multiple times. DO NOT WASTE YOUR TIME WITH SUCH A BADLY WRITTEN APP AND SUCH A BAD TEAMING WITH A SMALL FINANCIAL INSTITUTION.

Obscenity Furr

What? Website says my phone is compatible, (Samsung Galaxy S7), but the app says otherwise, MAKE UP YOUR MIND!

zain ahmed

Worst advertising campaign No one tells you how to use this app and service. Only embarrassment when you touch your phone on the paypass machine and nothing happens and the sales staff give you a funny look. Advertisments of those two brothers makes no sense at all.

Jason Lim

Great application. Thanks to the application team for fixing up my issue !

Katelyn Gaskell

Good app So far good app payment accessory arrived next day can't wait to try it out

Walid Sukkarieh

No dramas. No wallet. Easy to load and working well. Very convenient when out for a jog coupled with the wrist band.

Chrissy Poon

Worked 1 year later ... Just did the update it finally works,got my free coffee just then, cheers !!!!!

Ferple Carnt

Problem need help It doesn't show me what the last few numbers are on my optus debit card. How do I use it to pay online if I can't see all the card numbers

Craig Mills

Ridiculous permissions Why on earth does this app require access to make phone calls answer send sms. No thanks

Rick Mason

Loving it, works perfectly

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