Can I Use Apple Pay at an ATM?

Contactless payment systems like Apple Pay, Google Pay, and Samsung Pay are making digital wallets more accessible and more widely accepted. 

Unlike Google or Samsung, Apple has gone the extra mile to provide the security necessary for banking institutions to adopt the use of Apple Pay.

Can I Use Apple Pay at an ATM?

You can use Apple Pay at most cardless ATMs. That includes large institutions like Chase, Wells Fargo, and the Bank of America. All you will need to look for is the contactless symbol to signal that the ATM is NFC-enabled.

In the past, it was often suggested that wireless payment options present a security problem for its users. 

It’s just so easy to use that it must be easy to exploit as well? The reality is that it isn’t. 

The security locks combined with the extra effort by Apple have built enough confidence from large corporations for them to put the security of their wealth on the line to allow its use.

As an added boost of confidence in contactless systems, NFC readers can help to avoid ATM skimmers.

As the populace of the technological world has adopted devices that can take advantage of NFC, ATMs have been updated to support the feature and some are even contactless only. 

That means you can stop carrying around all those cards in your wallet and use your iPhone or Apple Watch to pay at restaurants or stores and to get cash.

How Do I Use ATM with Apple Pay?

Now that you know you can use your iPhone for just about everything, you might be wondering how it works.

Withdrawing money with Apple Pay is just as easy as using it in a store. 

All you need to do is open the Wallet app on your device, choose the card you want to use, hold your phone close to the NFC symbol on the ATM, and confirm it with your Touch ID.

If it’s your first time using Apple Pay, it can be a little tricky to get used to.

The first thing you’ll need to do is set it up. 

Open up the Apple Pay app. 

You can do this by double-tapping the Side button or tapping the Apple Pay icon.

You will need to add a card to your Apple Pay wallet. 

It will walk you through the process on your iPhone’s screen.

Once your card is in your Apple Pay wallet, you’re ready to go. 

You can quickly access Apple Pay in three ways.

Either double click the side button, hold your iPhone up to the NFC reader when it is looking for a card, or you can enable a quick button on the lock screen. 

If you want to enable this option:

  • Open the Settings app on the iPhone. Go to “Wallet & Apple Pay”
  • Find the section labeled “Cards”. There should be an option that reads “Allow Access When Locked”. Toggle it so the bar is green.

You can add as many cards as you like, but remember that only one can be selected as the default. 

If you have a different card you need to use at the ATM than you typically pay with, tap on your default card when it appears after you open Apple Pay.

This should open the card selection menu. 

Find the card you wish to use and tap it. 

Confirm with Touch ID/Face ID or your passcode. Now you’re ready to use a cardless ATM. 

How Do I Withdraw Money from Apple Pay?

Can I Use Apple Pay at an ATM Can I Use Apple Pay at an ATM?

The best way to withdraw money from Apple Pay is by doing so with your bank account. 

If you have money in the form of Apple Pay Cash, you can transfer this amount to your bank account and withdraw it from an ATM. 

At some stores, Apple Pay Cash can be used to purchase goods where there is a cashback option.

However, it is rare for convenience stores to support this option. 

It is better to just transfer the money in your Apple Pay Cash wallet to your bank account if possible.

Another option is to use your Apple Pay Cash to purchase a Visa gift card. Some gift cards can be used with Apple Pay.

Visa gift cards can be used like any other prepaid debit card. 

This means you can use one to get cashback at stores that offer it. 

Visa gift cards can also be used at supported ATMs but with a fee.

As even Visa gift cards can be unreliable sometimes, it is a far better option to just play it safe and transfer the money to a bank account. 

It is also much easier in comparison.

I would strongly recommend going with the bank account route.

Where Can I Use Apple Pay at the ATM?

Even in 2022, NFC-enabled ATMs are still not everywhere, but it’s close. 

You may have already been using one without even noticing it. 

Next time you are at the ATM, look around for the NFC contactless symbol. 

If you find one, it means you have already found an ATM you can use Apple Pay at.

Some banks have shown a stronger adoption of cardless ATMs than others. 

Wells Fargo, Chase, and Bank of America have already set about on a campaign to install cardless ATMs. 

These machines are only accessible with NFC-enabled devices such as iPhones with Apple Pay. 

One of the most cited reasons for this move is that it blocks card skimmers from being installed. 

If you can’t find an ATM near you that supports NFC, there may be an option for a bank-specific app. 

Some banks are less confident in NFC options and instead have designed their own apps with in-house security. 

Luckily, Wells Fargo, Chase, and Bank of America are in nearly every city across the country which means if you just really want to give it a shot you most likely can.

FAQ

Can I use Apple Pay to get cashback?

Apple Pay Cash is only useable at select locations that usually do not have the option to receive cashback.

If you have Apple Pay Cash that you wish to withdraw as cash, you will need to transfer the money to a bank account linked to your Apple Pay. 

However, your debit cards, credit cards, or linked bank accounts can often be used at stores that offer cashback. 

Can I use Apply Pay Cash anywhere?

Apple Cash is made to be a debit card alternative for Apple fans. 

It can be used just like a debit in-store and online. 

However, Apple Cash is considered to be virtual-only.

That means it doesn’t allow for cashback options and can not be used for cash withdrawal at ATMs. 

If you really need to turn your Apple Cash into paper, you still can.

Open your Wallet on your iPhone. Find your Apple Cash card. 

It should have a black card with an Apple symbol next to the word “Cash”. 

Find the More options button. It’s a black circle with three dots on it. 

There you will find an option labeled “Transfer to Bank”, tap it. 

It will show a prompt requesting the amount you want to transfer.

Type in how much you want to move. Then select how fast you want it. 

You can either do it for free in 1 to 3 business days or get an instant transfer for a fee.

Instant transfers can still take up to 30 minutes. 

Give it some time. Once it’s in your bank account, you can use it however you like pretty much anywhere.