Apple Pay ATM withdrawals: How to get cash using your phone
Apple Pay has changed the way people pay for everyday purchases. Instead of carrying cash or physical cards, users can make payments with their iPhone or Apple Watch. In fact, over 500 million people1 around the world use Apple Pay.
Apple Pay uses Near Field Communication (NFC) technology2, which allows your phone and a payment terminal to communicate when they are close together. This is the same tech used when you tap your phone to pay in a store.
Cardless ATM withdrawals use NFC technology to let you access your bank account without inserting a physical debit card. Instead, you tap your phone or smartwatch at a compatible ATM and verify your identity.
However, there’s a crucial difference between Apple Pay purchases and ATM withdrawals. When you buy something in a store, Apple Pay acts as a payment method. At an ATM, it works as a secure way to access a linked debit card that supports cardless withdrawals. Not every ATM or bank supports this feature.
This article will explore how Apple Pay ATM withdrawals work, what ATMs support them, and how to withdraw money from Apple Pay.
Can you use Apple Pay at an ATM?
Typically, you would need:
- An ATM with NFC or contactless technology
- A debit card added to Apple Wallet
- A bank that supports cardless ATM3 withdrawals
- A compatible iPhone or Apple Watch
When all these conditions are met, you can often withdraw cash without inserting a physical card.
Many people also ask, can you withdraw money from apple pay without carrying their debit card. In short, yes; however, it depends on your bank and the ATM you utilize.
Moreover, not all ATMs support Apply Pay. Older machines may only accept physical cards. Even some newer ATMs with contactless readers may not support cardless withdrawals through every bank.
So, before you rely on your phone for cash access, check your bank's ATM network and cardless withdrawal options.
How Apple Pay ATM withdrawals work
Using Apple Pay at an ATM is simple once you know the steps. Here’s your go-to guide to the entire process.
Add your debit card to Apple Wallet
Before using Apple Pay at an ATM, you must add an eligible debit card to Apple Wallet.
Here’s how to do this:
- Open the Wallet app.
- Tap the plus (+) icon.
- Select Debit or Credit Card.
- Follow the instructions to add your card.
- Complete bank verification if required.
Once verified, the card becomes available for Apple Pay transactions.
Find a contactless ATM
Then, locate an ATM that supports contactless access. Make sure to look for:
- NFC contactless symbols
- Contactless card reader areas
- Signs that mention cardless ATM withdrawals
- Bank branding that supports digital wallet access
An ATM with apple pay typically displays a contactless symbol near the card reader, which often resembles a sideways Wi-Fi icon.
Tap your iPhone or Apple Watch
When you’re ready to withdraw cash, hold your iPhone near the contactless reader on the ATM. You could also use your Apple Watch. Make sure your screen is on.
For either, you may need to double-click the side button to open Apple Pay. Hold the device close to the reader until it connects.
Authenticate with Face ID or Touch ID
For security, Apple Pay requires identity verification. Depending on your device, you may use:
- Face ID4
- Touch ID
- Device passcode
This step may take less than a second and help ensure that only authorized users can access the linked bank account.
Withdraw cash
Once authenticated, the ATM typically displays your account options. You can then:
- Select the account you want to access
- Enter the withdrawal amount
- Confirm the transaction
The ATM will then dispense cash just as it would during a traditional card-based transaction. The whole process from tap to cash usually takes under a minute.
What ATMs take Apple Pay?
Many major banks in the United States5 support contactless ATM access. However, it varies by location, ATM model, and bank policies.
Consider the table below to get a better understanding:
| Banks | Apple Pay ATM support |
|---|---|
| Chase | Yes, many contactless ATMs (over 16,000)6 |
| Bank of America | Yes, many cardless ATMs |
| Wells Fargo | Yes, supported at many locations (over 5,000)7 |
| PNC Bank | Yes, select ATMs |
| Citibank | Yes |
| U.S. Bank | Yes, select locations |
| Regions Bank | Available at participating ATMs |
| Truist | Available at supported locations |
ATM availability may vary from one branch to another. For example, some locations may have upgraded machines while others still require physical cards.
If you search for ATMs that take Apple Pay, it’s best to check your bank's website or mobile app before visiting an ATM.
How to find an Apple Pay ATM near you
Looking for an Apple Pay ATM near me? If so, there are a few easy ways to find one.
Bank ATM Locator
Most banks provide ATM locator tools on their websites. These tools often allow you to filter for:
- Contactless ATMs
- Cardless withdrawal ATMs
- NFC-enabled ATMs
- Full-service ATM locations
This is usually the most reliable method.
Apple Maps
Apple Maps can help identify nearby bank branches and ATM locations. Search terms such as: Contactless ATM, Cardless ATM, and Bank ATM.
Then review location details and customer information. You can also call the bank branch listed to ask about NFC availability at that location.
Google Maps
You can also utilize Google Maps to locate participating banks. Make sure to search for Apple Pay ATM, contactless ATM, or cardless ATM.
Users can often find reviews and photos that show whether a location has NFC-enabled equipment.
Mobile Banking Apps
Many banks include ATM finders inside their mobile apps. These tools may provide real-time ATM information, contactless ATM indicators, branch services, and operating hours.
Since the data comes directly from the bank, it’s often more accurate than third-party map services.
Can you withdraw Apple Cash from an ATM?
Many users often get confused between three different things: Apple Pay, Apple Wallet, and Apple Cash. Let’s explore each quickly:
- Apple Pay8 is the payment system that enables you to pay with your iPhone or Apple Watch using cards stored in your wallet.
- Apple Wallet9 is the app on your iPhone where you store cards, passes, and IDs.
- Apple Cash10 is a digital prepaid card that lives inside Apple Wallet. You could receive money from friends and family through iMessage and it goes to your Apple Cash balance.
Now here is the key point: Apple Cash ‘itself’ can’t be tapped directly at most ATMs. The reason is that it’s a prepaid card issued by Green Dot Bank. Most ATMs don’t back withdrawals from prepaid cards, even if the ATM has NFC technology.
So if you want to get cash from your Apple Cash balance, here’s what you can do:
- Transfer your Apple Cash balance to your linked bank account. Open Wallet, tap on Apple Cash, and then tap Transfer to Bank. Wait for the transfer to complete.
- Once the money is in your bank account, use the associated debit card at the ATM. If your bank supports Apple Pay at ATMs, you can use Apple Pay to withdraw the cash without a physical card.
This two-step process is a little slower, but it works. So while you can’t directly tap Apple Cash at an ATM, you can still get to your money with a short wait.
What if the ATM doesn’t support Apple Pay?
Not every ATM has NFC technology. If you can’t find an ATM with Apple Pay, here are your options:
This is often the simplest option. If you have your debit card with you, just use it the old-fashioned way. Insert the card, enter your PIN, and take out your cash. Most ATMs still accept physical cards.
Some banks allow you to generate a one-time code through their app. You type the code into the ATM instead of inserting a card. Chase, Wells Fargo, and Bank of America all offer this feature. It’s different from Apple Pay but still doesn’t need a physical card.
If you need a large sum of cash, going to a bank branch is a reliable option. A teller can process your withdrawal directly from your account with a valid ID. There’s usually no withdrawal limit at a branch, unlike at an ATM.
If you need cash while traveling internationally, a money transfer service such as BOSS Money may provide an alternative way to access funds through cash pickup locations. Services like these let you send money to a recipient who can pick it up in cash at a local agent location. This can be useful when local ATMs don’t accept your phone or card.
Benefits of Apple Pay ATM withdrawals
There are various advantages to using Apple Pay at an ATM instead of a physical card. Here are the main reasons:
Security
Card skimming11 is a major problem at ATMs worldwide. Criminals attach small devices to ATM card slots to steal card data.
When you use Apple Pay, you never insert a card. There’s no card data to steal. Apple Pay uses a unique transaction code each time you pay, so even if someone intercepts the signal, they can’t reuse it.
According to Apple, your full card number is never stored on the device or shared during transactions.
Convenience
You don’t need your wallet to get cash. As long as you have your iPhone or Apple Watch with you, you can make a withdrawal. For people who prefer to travel light or who have left their wallet at home, this is a big advantage.
After all, many people leave home with only their phone. In fact, nine in ten Americans12 say their phone is always with them.
Speed
Tapping your phone to an ATM is faster than inserting a card. You don’t need to dig through your wallet, align the card, or wait for it to read.
The NFC connection happens almost instantly. This makes the whole withdrawal process faster, especially if you are in a hurry.
Potential limitations
While Apple Pay ATM withdrawals are useful, they are not perfect. Here are some limitations to keep in mind before you rely on this method.
Although the coverage is growing, many ATMs still require physical cards. In country-side areas or smaller towns, NFC ATMs can be hard to find.
If your phone is dead or dying, Apple Pay will not work. iPhones do have a feature called Express Transit that works with some low battery situations, but ATM withdrawals may not be covered by this. Always keep your phone charged if you plan to use Apple Pay at an ATM.
Your bank sets daily limits on how much cash you can withdraw from an ATM. These limits apply whether you use a physical card or Apple Pay. Some banks set limits as low as $300 per day13. Check with your bank to know your limit.
Apple Pay works in many countries, but cardless ATM withdrawals are not available everywhere. Even in countries where Apple Pay is accepted in stores, the ATMs may not support it. Always carry a backup payment method when traveling abroad.
Some banks have not enabled Apple Pay for ATM use even on NFC-capable machines. The bank has to specifically turn on this feature. If your bank has not done so, Apple Pay will not work at their ATMs even if the hardware allows it.
Apple Pay ATM vs cardless ATM withdrawals
Although the terms are sometimes used interchangeably, there are some differences.
| Feature | Apple Pay ATM | Cardless ATM via App |
|---|---|---|
| Uses Apple Wallet | Yes | No |
| Requires NFC ATM | Usually Yes | Not always |
| Requires Banking App | Sometimes | Yes |
| Uses Debit Card in Wallet | Yes | Not necessarily |
| Uses QR Code or Withdrawal Code | Rarely | Often |
| Works with Apple Watch | Yes | Usually No |
| Contactless Tap Supported | Yes | Not always |
| Available at Participating Banks | Yes | Yes |
Both methods provide alternatives to physical card withdrawals. The best choice depends on your bank's available services.
Do ATMs take Apple Pay?
Some ATMs take Apple Pay, but not all. You need a contactless ATM, a supported debit card in Apple Wallet, and a bank that allows cardless withdrawals.
Can I withdraw money from Apple Pay?
Yes, in many cases. If your bank supports cardless ATM access and your debit card is linked to Apple Wallet, you can withdraw cash from compatible ATMs.
What ATMs accept Apple Pay?
Many ATMs operated by major banks such as Chase, Bank of America, Wells Fargo, PNC, Citibank, and U.S. Bank accept Apple Pay withdrawals at participating locations.
Can you use Apple Wallet at an ATM?
Yes. Apple Wallet stores the debit card used for the withdrawal process. When combined with a supported bank and ATM, it can be used for cardless cash withdrawals.
Does Apple Pay work internationally at ATMs?
Sometimes. Availability depends on local banks, ATM networks, and country-specific support. Travelers should verify compatibility before depending on Apple Pay for ATM access abroad.
Conclusion
Apple Pay ATM withdrawals offer a convenient way to access cash without carrying a physical debit card. By using your iPhone or Apple Watch at a compatible NFC-enabled ATM, you can withdraw money quickly and securely.
To use this feature, you need a debit card added to Apple Wallet and a bank that offers cardless ATM withdrawals. While more banks continue to adopt this technology, not all ATMs accept Apple Pay yet.
Before relying on it, check your bank's available locations and compatibility requirements. With the right setup, Apple Pay can be a useful backup when your physical card is unavailable.
Sources: all third party information obtained from applicable website as of June 15, 2026
- https://www.insidermonkey.com/blog/apple-pay-now-available-in-89-markets-and-used-by-500m-users-worldwide-1767425/
- https://support.apple.com/en-us/101554
- https://www.usnews.com/banking/articles/what-is-a-cardless-atm
- https://support.apple.com/en-us/118260
- https://www.paypal.com/us/money-hub/article/what-is-a-cardless-atm
- https://www.theapplepost.com/2018/08/01/22088/apple-pay-available-at-nearly-16000-cardless-chase-atms-in-us/
- https://www.cnbc.com/2017/10/10/wells-fargo-atms-work-with-apple-pay-android-pay-and-more.html
- https://www.apple.com/apple-pay/
- https://www.apple.com/wallet/
- https://www.apple.com/apple-cash/
- https://www.fbi.gov/how-we-can-help-you/scams-and-safety/common-frauds-and-scams/skimming
- https://www.pewresearch.org/internet/2015/08/26/chapter-1-always-on-connectivity/
- https://www.usnews.com/banking/articles/atm-withdrawal-limits
This article is provided for general information purposes only and is not intended to address every aspect of the matters discussed herein. The information in this article is not intended as specific personal advice. The information in this article does not constitute legal, tax, regulatory or other professional advice from IDT Payment Services, Inc. and its affiliates (collectively, “IDT”), and should not be taken or used as such by any individual. IDT makes no representation, warranty or guaranty, whether express or implied, that the content in this article is current, accurate, or complete. You should obtain professional or other substantive advice before taking, or refraining from, any action on the basis of the information in this article.
