Apple Pay now allows you to withdraw cash from select ATMs using your iPhone or Apple Watch, no debit card required.
This feature is supported by many major banks and adds both convenience and security to cash withdrawals.
How to use Apple pay at ATMs
What Are Card-Free (Cardless) ATMs?
Card-free ATMs let you withdraw cash without inserting a physical card.
Instead, you use contactless technology (NFC) by tapping your device or, in some systems, enter a unique code generated through your banking app.
This is especially handy when you don't want to carry a card or need to help someone else access funds safely.
How to use Apple Pay at an ATM
Take the following steps:
- First, confirm that the bank card has been added to the iPhone's Wallet app.
- Launch the Wallet app. And then choose the debit card.
- Tap your iPhone on the ATM icon.
- Use Face ID or Touch ID to authenticate.
- If prompted, enter your ATM PIN code.
- Use an ATM to complete your transaction.
Which ATMs accept Apple Pay?
Most major U.S. banks offer cardless, Apple Pay-compatible ATMs, including:
- Chase
- Wells Fargo
- Citibank
The bank that issued your debit card must also support Apple Pay withdrawals.
Usually, using Apple Pay at another bank's ATM works only if both the ATM and your card are part of compatible networks, but this can vary and is more restricted in the U.S..
Banks/App Providers That Do Not Support Apple Pay Withdrawals
Some banks provide cardless ATM access only through their proprietary apps or do not have Apple Pay support for ATM withdrawals:
- Bank of Hawaii
- City National Bank
- Fifth Third Bank
- First Farmers Bank & Trust
- HomeStreet Bank
- PlainsCapital Bank
- PNC
- Wintrust
- BB&T Bank
- BBVA
- HSBC
- Regions
Advantages of Apple Pay
Convenience: No need for a physical card.
Security: Your card number is not shared; instead, a secure device account number is used.
Privacy: Apple Pay transactions are not tracked or recorded by Apple.
Offline Use: You can make purchases (and withdrawals) even without an active internet connection.
No Apple Pay fees: Any fees are charged by your bank, not by Apple Pay itself.
How Do I Withdraw Money from Apple Pay?
Withdrawing money from Apple Pay using your bank account is the best option.
You can withdraw money from an ATM if you have money in the form of Apple Pay Cash in your bank account. Apple Pay Cash can be used to purchase things with a cashback option at some stores.
Convenience stores, on the other hand, are uncommon in offering this choice.
If possible, simply transfer the money in your Apple Pay Cash wallet to your bank account. You may also use your Apple Pay Cash to buy a Visa gift card. Some gift cards are compatible with Apple Pay.
Visa gift cards can be used in the same way as any other prepaid debit card. This means you can use one to collect cashback at participating stores.
Visa gift cards can also be redeemed at approved ATMs for a fee. Because even Visa gift cards might be untrustworthy at times, it is far better to play it safe and transfer the money to a bank account.
In comparison, it is also a lot simpler. I would strongly advise you to get a bank account.
Can you use Apple Pay in ATMs abroad?
You can use Apple Pay at contactless ATMs abroad where the technology is supported. However, availability varies by country and ATM network.
Standard ATM operator and foreign transaction fees from your bank or card issuer still apply.
These fees are usually shown on the ATM screen before you finalize a transaction, and foreign transaction fees typically average around 3%.
How much will you be charged for using Apple Pay in a foreign ATM?
If you withdraw cash using a credit card via Apple Pay, expect a "cash advance" fee, which is usually higher than regular withdrawal fees.
This is normally around 3%, but to find out exactly how it functions with your particular card, you'll need to study the terms and conditions of your card.
Tips for Secure Use
- Keep devices and banking credentials secure to prevent unauthorized access.
- Monitor account activity for unauthorized withdrawals.
- Choose ATMs in secure locations and use two-step authentication if available.
- Never share your mobile banking login or device credentials with others.
Pros and Cons of using Apple Pay at ATMs
Here are some pros and cons of using Apple Pay at ATMs
Frequently Asked Questions
Can I use Apple Pay Cash at ATMs?
You cannot withdraw directly from your Apple Pay Cash balance at ATMs. Transfer Apple Pay Cash to your bank account first.
Can I use Apple Pay at any ATM?
Only at those displaying the contactless symbol and that support Apple Pay withdrawals.
Are there extra fees?
Apple Pay doesn’t charge extra, but bank fees (network, out-of-network, or foreign transaction) may apply.
Can I use Apple Pay at ATMs internationally?
Yes, at supported contactless ATMs, subject to local availability and participating networks. Foreign fees will still apply.
Is my Apple Card (credit) usable at an ATM?
No, the Apple Card cannot be used for ATM cash withdrawals; it’s a virtual credit card only.
How to use Apple pay at ATMs - Final Thoughts
