Can I Use Apple Pay at an ATM?

It’s no wonder that Apple Pay is one of the best aspects of owning an iPhone. It reflects the modern technology while allowing you to make contactless payments through your handheld devices. Apple Pay packs numerous benefits to facilitate iPhone users, thus eliminating the hassle of carrying a bulky wallet with tons of cards and dollars.

But have you ever wondered if you can use Apple Pay at ATMs to get off money? And you’ll be amused to know the answer. Yes, you can. Some Automated Teller Machines (ATMs) facilitate users with their cardless payment option and accept Apple Pay to withdraw cash.

However, there’s a catch, and we’ll surely discuss it with our readers through this guide. So, if you are tired of carrying a hefty wallet all the time and want to live a true cardless life, consider scrolling through the page to find step-by-step instructions to bring your imagination into reality. Fasten your seatbelts, and embark on the journey with us.

How effective is Apple Pay?

Before we disclose the steps to using Apple Pay at an ATM, let’s highlight some of the key benefits of using this payment mode over others. Let’s get started.

  • Keeps your details safe and sound

Are you skeptical about adding data and bank information to Apple Pay? Well, it’s time to vanish that unwanted fear. Apple Pay is highly strict about its privacy policies; hence, you don’t have to worry about your card or bank information. Each transaction you make using Apple Pay is authenticated using your Face or Touch ID to ensure that the payment is made by you and not by someone else.

  • No Limit

Unlike ATMs and bank transfers, Apple Pay boasts no payment limit, which means you can transfer as much money as you want without being penalized or charged extra bucks. It makes this payment mode better than several other conventional contactless methods, which usually have a transactional limit.

  • Use Apple Pay on multiple devices

The best part about Apple Pay is that you can control this payment mode from multiple devices, including your iPad, Apple Watch, and even Mac. It means that you can make contactless payments whether or not you are carrying your iPhone at the moment. However, you must set up your Apple Pay account on every device individually to utilize it to the maximum potential.

Is it possible to use Apple Pay at the ATM?

Being an iPhone user, you can bound to enjoy several perks, and Apple Pay is one of them. This leading payment method is simple to use and offers a powerful punch of advantages to make payments a breeze.

So, if you are wondering whether or not you can use your Apple Pay at the ATM, then stay relaxed, as we have good news. Apple Pay is acceptable to a wide range of ATMs offering a cardless payment feature.

But hold your horses, as there’s a catch!! The key to using this one-of-a-kind feature is to have a debit account linked to Apple Pay from a bank that supports Apple Pay transactions. In addition, it is mandatory to use the ATM of the same bank associated with your Apple Pay debit account for faster access.

Here’s how to update your bank account information.

  • Open the Wallet app on your iPhone and click “Apple Cash Card” to move further.
  • Select the More button and choose “Card Details”.
  • Now, tap on the Bank Account, and select “Next” to your routing number or account number.
  • Add the requested information, and confirm the numbers.
  • Tap Next, and it’s done.

The best thing is that your information will be updated automatically on all devices signed in with your Apple ID.

Things to Consider Before Using Apple Pay at ATMs

Before you jump into the final act, make sure to do a bit of preparation to avoid any mess later on. Here’s a quick rundown of certain pointers you must consider to enjoy a seamless payment.

  • Connect your Bank Account to Apple Pay

The first step to withdrawing money using Apple Pay at ATMs is to connect your bank account to your Apple Pay. Remember that not all banks are compatible with this feature; hence, you must make sure of your financial institution before jumping into the process.

  • Find the right ATM

Just like bank accounts, not all ATMs are upgraded to a cardless feature yet. Hence, you must look out for the ATM that supports this feature to get started. It might be possible that your bank is offering this feature but its ATM doesn’t. Hence, make yourself aware of such factors to avoid getting stuck at later stages. Also, it’s advised to use the same ATM as your bank for quicker access.

How to use Apple Pay at the ATMs to withdraw money?

Now, you’ve got the basics, it’s time to take the final step. Find the ATMs that support cardless payment and follow the steps below to get the job done. The ATM machine you are going to use must have a “cardless” symbol to carry out this card-free withdrawal with Apple Pay.

Some of the leading US banks offering cardless ATMs are Chase, Well Fargo, and Bank of America. Once you succeed in finding such ATMs, use the guide mentioned below to make a withdrawal in seconds.

While the exact procedure may vary from one ATM to another, the basics still remain the same. Don’t worry, an ATM will guide you throughout the process, so your payment won’t get stuck in the middle of the process.

Let’s begin!!

  • Unlock your iPhone and open the wallet app.
  • Select the debit card and pick the iPhone symbol on the ATM.
  • Enter the payment you wish to withdraw and authenticate it using Face or Touch ID, and add your ATM pin, only if requested (some ATMs may ask while others may not).
  • Follow on-screen prompts to finalize your transaction. Your money will be paid out in seconds.


Since the concept of cardless payments at ATMs is still new, you might face challenges to find supported apparatus to get this done. But once you find it, this feature makes payment and withdrawals a breeze.

So, we hope our hard work has helped you eradicate your doubts and dilemmas. Consider using your Apple Pay at selected ATM machines and see how easily you can withdraw cash without carrying those bulky cards.

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