
To get cash from Apple Pay, you'll need to use a compatible card, such as a debit card or credit card, and have a sufficient balance.
You can add a debit or credit card to Apple Pay by going to the Wallet app and tapping the "+" icon.
Before you can use Apple Pay to get cash, you'll need to have a compatible card added to your device.
To add a card, you'll need to have your card information, such as the card number and expiration date, handy.
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Getting Cash with Apple Pay
To get cash with Apple Pay, you'll need to use a cardless supported ATM, which is most major banks in the USA, including Wells Fargo, Chase, Bank of America, US Bank, and Citibank. These banks have ATM networks that support Apple Pay.
Look for the cardless NFC / Apple Pay logos on the ATM to determine if it's supported. This logo will let you know that you can use Apple Pay to get cash.
You can get cash back with Apple Pay by following four simple steps, but first, you need to connect a card and set up cash back.
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Using Apple Pay at ATMs and Stores
To use Apple Pay at ATMs, you need a compatible debit card added to the Wallet app on your iPhone.
First, make sure the ATM is compatible by looking for the Cardless / NFC / Apple Pay symbol on the machine.
You can find this symbol on the ATM itself, and it's a good idea to double-check before proceeding.
To start the transaction, open the Wallet app on your iPhone and select the debit card you want to use.
Then, place your iPhone on the cardless symbol on the ATM, or hover an inch or two away from it for ease.
You'll see the confirm payment option appear on the Wallet app, so double-press the Power button to confirm payment.
Next, authenticate with Face ID, Touch ID, or a passcode to complete the confirmation.
If asked, enter the ATM debit card pin code on the ATM machine screen.
After that, you can use the ATM as usual to complete the transaction, whether withdrawing cash, depositing cash, or otherwise.
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In stores, using Apple Pay is just as easy. You can simply hold your iPhone near the payment terminal to pay.
However, not all stores accept Apple Pay, so it's always a good idea to check before making a purchase.
To find stores that accept Apple Pay, you can visit the Apple website or check with the store directly.
Managing Your Apple Pay Card
You can manage your Apple Pay card by going to Settings on your iPhone or iPad, and then tapping Wallet & Apple Pay.
To view your Apple Pay transaction history, tap the "Transaction History" tab in the Wallet app.
You can also use the Wallet app to view your available balance and recent transactions.
To report a lost or stolen Apple Pay card, tap the "Card" tab and then tap the "Report Lost or Stolen" button.
Apple Pay cards can be removed from your device by tapping the "Card" tab and then tapping the "Remove Card" button.
For another approach, see: Apples Tap to Pay
Setting Up and Using Apple Pay

To set up Apple Pay, you need an iPhone 6 or later, an iPad Pro, iPad Air 2, or an Apple Watch.
You'll also need to add a credit or debit card to your Wallet app. This can be done by taking a photo of your card or manually entering the card details.
The card you add must be issued by a participating bank or financial institution. Some examples of banks that support Apple Pay include Bank of America, Chase, and Wells Fargo.
To use Apple Pay, you'll need to wake up your iPhone and hold it near a contactless payment terminal. The terminal will then communicate with your iPhone to authorize the payment.
You can also use your Apple Watch to make payments by double-clicking the side button and holding the watch near the terminal.
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Frequently Asked Questions
What ATMs use Apple cash?
Most cardless ATMs, including Wells Fargo, Chase, and Bank of America, accept Apple Pay. Look for the contactless symbol to find an NFC-enabled ATM
How do I withdraw money from Apple cash?
To transfer money from Apple Cash to your bank, open the Wallet app, tap your Apple Cash card, and follow the steps to initiate a transfer. You can choose to transfer funds to your bank within 1-3 business days.
Where can I get cash back from Apple Pay?
You can earn 3% Daily Cash back when using Apple Pay at popular merchants like Nike, Uber, and Walgreens. See terms for details on eligible locations and rewards.
Can you withdraw money with Apple Pay without a card?
Yes, you can withdraw cash with Apple Pay from a contactless-enabled ATM without a physical debit card. Just use your Apple Pay account to access your funds.
Sources
- https://osxdaily.com/2023/07/07/how-use-apple-pay-atm/
- https://www.idropnews.com/faq/can-you-use-an-atm-with-apple-pay-to-withdraw-cash/200580/
- https://rates.fm/payment-systems/can-you-get-cash-back-with-apple-pay/
- https://www.macrumors.com/how-to/use-apple-cash-to-pay-off-apple-card/
- https://www.xda-developers.com/how-to-set-up-and-use-apple-pay-and-apple-pay-cash/
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