
Apple Pay is a convenient way to make payments, but can you use it to withdraw cash from an ATM? The answer is yes, but with some limitations. You can withdraw cash from an ATM using Apple Pay, but it's only possible if your bank supports it.
To withdraw cash from an ATM with Apple Pay, you'll need to have a debit card linked to your Apple Pay account. This card must be a Mastercard Cash or Visa Debit card, or a Discover card. Not all debit cards are eligible, so check with your bank to see if yours is supported.
Can You Withdraw Money from ATM with Apple Pay?
You can use Apple Pay at most ATMs that are enabled for contactless payments. Your bank's standard fees and withdrawal limits will apply.
To use Apple Pay at an ATM, you'll need to have a credit card added to your Apple Wallet app. This is a straightforward process that can be completed in a few minutes.
To add your credit card, open the Wallet app on your iPhone, tap the plus icon, select Debit or Credit Card, and follow the prompts. You'll need to scan your debit card or enter the details manually, and then add the 3-digit Security code.
You can use Apple Pay to withdraw money from an ATM, but you'll need to meet a couple of requirements. First, you'll need to have a credit card added to your Apple Wallet app, and second, you'll need to use an ATM that supports Apple Pay.
Unfortunately, there isn't a direct way to know which ATMs support Apple Pay. However, you can look for the cardless, contactless, or Apple Pay logo on the machine.
To use Apple Pay at an ATM, press the Side button two times on your iPhone, select the debit card you want to use, unlock Apple Pay with Face ID or Touch ID, and hold your iPhone near the reader.
Here's a step-by-step guide to using Apple Pay at an ATM:
- Press the Side button two times on your iPhone.
- Select the debit card you want to use.
- Unlock Apple Pay by using Face ID or Touch ID.
- Hold your iPhone near the reader of the ATM.
- Enter your code and follow the same steps you would to withdraw money.
Note that Apple Cash accounts and Apple Savings accounts are virtual, without debit card ATM support. However, it's possible that support for ATM use will arrive in future versions of these services.
Requirements and Process
To use Apple Pay at an ATM, you'll need to meet a couple of requirements. Most major banks in the USA, including Wells Fargo, Chase, Bank of America, US Bank, Citibank, and more, support Apple Pay, and their ATM networks do as well.
You'll also need to use a cardless supported ATM, which you can determine by looking for the cardless NFC / Apple Pay Logos on the ATM.
Here's a quick rundown of the steps to follow:
- Press the Side button two times on your iPhone.
- Select the debit card you want to use.
- Unlock Apple Pay by using Face ID or Touch ID.
- Hold your iPhone near the reader of the ATM.
- Enter your code and follow the same steps you would to withdraw money.
Requirements for Using
To use Apple Pay at an ATM, you'll need to have a debit card added to your Apple Wallet app. This card should be linked to a bank account that supports Apple Pay, such as Wells Fargo, Chase, or Bank of America.
You'll also need to make sure you're using a cardless supported ATM, which can be identified by the cardless NFC / Apple Pay logos on the machine. These logos indicate that the ATM is equipped to handle contactless payments.

Most major banks in the USA support Apple Pay and contactless payments with their debit cards, including US Bank, Citibank, and others. You can check with your bank to see if they support Apple Pay.
Here's a list of some of the major banks that support Apple Pay:
- Wells Fargo
- Chase
- Bank of America
- US Bank
- Citibank
It's worth noting that availability is rising, with more ATMs being updated to accept Apple Pay. However, it's not as universally available as traditional ATM methods.
What Is Apple Pay?
Apple Pay is a digital wallet service that allows you to make payments using your iPhone, iPad, or Apple Watch. It's a convenient way to leave your credit cards at home.
To use Apple Pay, you'll need to have a compatible device and a supported credit or debit card. You can check if your card is supported by looking for the Apple Pay logo on your card statement.
You can add your credit or debit card to Apple Pay by taking a photo of the card with your iPhone or by entering the card details manually. This process is called "adding a card" and it's a requirement for using Apple Pay.
Benefits and Features
Using Apple Pay at ATMs offers a range of benefits that make it a convenient and secure option for withdrawing cash.
Simplified transactions are a major advantage, allowing users to complete transactions with just a few taps on their Apple devices. This makes the process quicker and more user-friendly.
No physical card is needed, which is a significant plus, especially when you might forget your wallet but will likely have your phone.
Here are some key benefits of using Apple Pay at ATMs:
- Simplified transactions
- No physical card needed
Apple Pay also provides enhanced security, including protection from skimming and biometric authentication with Face ID and Touch ID.
Convenience and Ease
Using Apple Pay at ATMs is a game-changer for convenience and ease. Simplified transactions are just a few taps away, making the process quicker and more user-friendly.
Traditional ATM use requires carrying a physical debit card and remembering a PIN, making it moderately easy to use. But with Apple Pay, you can eliminate the need to carry a physical card altogether.
The convenience of not having to carry a physical debit card is a significant plus, especially when you might forget your wallet but will likely have your phone. This is particularly helpful in situations where you need to withdraw cash quickly.
Transactions with Apple Pay at ATMs are generally faster due to quick authentication and NFC technology, which streamlines the process. This is in contrast to traditional ATM use, where transaction speed varies dependent on card reading, PIN entry, and the ATM's processing time.
To use Apple Pay with ATM, you'll need to ensure you're using a cardless supported ATM. Look for the cardless NFC / Apple Pay logos on the ATM to determine if it's supported. Most major banks in the USA support Apple Pay and contactless payments with their debit cards.
Benefits
Using Apple Pay at ATMs offers a range of benefits that make it a convenient and secure option.

One of the key advantages is enhanced security, which significantly reduces the risks associated with card skimming.
With Apple Pay, you don't need to worry about your physical card being compromised, as transactions are made without a card present.
Apple's advanced measures like Face ID, Touch ID, and encryption provide an extra layer of protection.
These security features make it virtually impossible for fraudsters to use skimming devices to steal your card information.
Biometric authentication, such as Face ID and Touch ID, also ensures that the person making the transaction is the rightful owner of the bank account.
This adds an extra layer of security, giving you peace of mind when making transactions at ATMs.
Comparison and Alternatives
If you're not a fan of using Apple Pay for ATM withdrawals, you can consider alternatives like Google Pay or Samsung Pay, which also offer similar contactless payment capabilities.
Google Pay and Samsung Pay can be linked to your debit or credit card, allowing you to make ATM withdrawals with just a tap of your phone.
Another option is to use a traditional debit or credit card, which can be easily withdrawn from an ATM with a PIN.
You can also use a prepaid debit card, which can be loaded with funds and used for ATM withdrawals, offering a more secure alternative to traditional cards.
Prepaid debit cards often come with fees, so it's essential to review the terms before using them for ATM withdrawals.
Comparing Traditional
Traditional methods often rely on manual labor and physical effort, as seen in the example of manual data entry, which can be time-consuming and prone to errors.
The average person can only type around 40 words per minute, making manual data entry a slow process.
In contrast, automation can significantly speed up data processing, with some systems able to process thousands of records in a matter of seconds.
This difference in speed can have a major impact on productivity and efficiency, especially in high-volume data entry scenarios.
Traditional methods also often require significant upfront costs, such as purchasing hardware and software, which can be a barrier to entry for many organizations.
However, the costs of traditional methods can be offset by the fact that they often require minimal ongoing maintenance and support.
Read More

If you're looking for more information on payment limits, Apple Pay's contactless limit is a good place to start. The Apple Pay contactless limit is set at £45, which is the maximum amount you can spend using Apple Pay without needing to enter your PIN.
For those who prefer to use their credit cards, the contactless limit for Visa and Mastercard is also £45. This is a standard limit set by the payment networks, and it applies to all contactless transactions.
If you're wondering how to check your contactless limit, you can do so by contacting your bank or card issuer directly. They'll be able to provide you with more information on your specific limit.
Here are some key contactless limits to keep in mind:
Keep in mind that these limits may vary depending on your location and the specific payment method you're using.
Frequently Asked Questions
Can you withdraw money from ATM with contactless?
Yes, you can withdraw money from an ATM using contactless technology, but you'll still need to enter your PIN as usual. Simply hold your digital wallet or mobile banking app to the ATM's contactless symbol to initiate the transaction.
Can I withdraw cash using my phone?
Yes, you can withdraw cash using your phone by tapping it at a NAB ATM after selecting your NAB Visa Debit card in your digital wallet. Simply follow the on-screen instructions to complete the transaction.
Sources
- https://www.gobankingrates.com/banking/mobile/apple-pay-atm/
- https://osxdaily.com/2023/07/07/how-use-apple-pay-atm/
- https://www.atmmarketplace.com/articles/cardless-atms-deliver-googleapple-pay/
- https://swissmoney.com/can-you-use-apple-pay-at-atm/
- https://www.idropnews.com/faq/can-you-use-an-atm-with-apple-pay-to-withdraw-cash/200580/
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