The aim of this paper is to propose a new feature called Change Back for consumer accounts, which minimizes the use of cash coins by retail consumer outlets and eliminates the need of carrying the same for banks’ consumer customers. Once implemented in consumer banking applications and point-of-sale devices, the feature will minimize the wastage of coins by shoppers, commission charges incurred by retail vendors on coins, improve money retention by banks in their consumer accounts and minimize of the spread of pandemics. Discussed in detail are how the Cash Back transaction takes place and what needs to be implemented by different parties involved in making it a success. A step-by-step flow of the transaction is pictorially described from a point-of-sale device at a retail cash counter to a bank’s payment processing application.