Can you use Apple Pay in ATMs? Feb15

Share This

Can you use Apple Pay in ATMs?

Can I use Apple Pay at ATM? This is one of the questions Apple users often ask. Today, mobile payment options like Apple Pay have become increasingly popular: nobody can argue that. With its convenience, many people wonder if they can also use Apple Pay ATM to make a cash withdrawal. In this article, we will explore whether it is possible to withdraw money with an Apple Pay ATM and provide some guidance on how to do so (also, take a look at some digital banking tips here).

What is Apple Pay?

Apple Pay is a contactless payment feature developed by Apple. It allows users to add their bank or credit cards to their eligible devices, such as iPhones and iPads, enabling them to make secure payments in person and online. Let’s find out whether you can get cash from Apple Pay using an ATM.

How to Get Money from Apple Pay Using Your iPhone for Cardless Withdrawals

So, can you use Apple Pay at ATM? If an Apple Pay ATM supports contactless withdrawals, you may be able to use your iPhone or other compatible device that has been set up with Apple Pay to make cardless transactions. To determine if an ATM accepts card-free withdrawals using services like Apple Pay:

  • Look for the contactless symbol: When approaching an ATM machine, keep an eye out for the prominent display of the contactless symbol.
  • Check bank support: Popular US banks such as Chase, Bank of America, and Wells Fargo offer wide networks of card-less ATMs across various locations nationwide where customers can utilize services like ApplyPay.
  • Verify functionality coverage: While certain banks might initially provide these features at select locations, others are working towards gradually expanding coverage throughout their entire network.

As you can see, the answer to the “can you use Apple Pay at ATM?” is positive.

The Process of Withdrawing Money Using ApplyPay

Once you’ve identified a suitable Apple Pay ATM location offering support for Apple-enabled transactions, follow these steps to get cash from Apple Pay:

  1. Double-click the home button (or open the Wallet): Open your Wallet app by either double-clicking the home button or navigating directly through the wallet within settings.
  2. Choose your desired debit card: Select which debit/credit account from your linked accounts you would prefer to withdraw funds from.
  3. Hold your phone near the ATM with Apple Pay and keep your finger on the home button. Locate the contactless symbol displayed at the designated spot of your preferred ATM machine. Hold your phone close to it, ensuring your finger rests on the home button.
  4. Enter your PIN: On-screen prompts will guide you through entering a secure personal identification number (PIN) associated with this debit card.
  5. Specify withdrawal amount: Enter how much money you wish to withdraw as instructed by an interactive screen display.
  6. Receive money: Once all necessary steps have been completed successfully, follow the instructions given onscreen for receiving cash withdrawals.

It’s important to note that while these are general guidelines, each bank or ATM operator may have slightly different procedures in place for Apple Pay withdrawals. Be sure to read any additional information provided by the specific ATMs or consult with customer service if needed.

Pros and Cons

Now, let’s take a look at the pros and cons of ATM with Apple Pay withdrawals and provide information on its availability abroad.


  • Convenience: One of the main benefits of using Apple Pay at an ATM is that you don’t need to carry your physical card with you. Simply authenticate yourself through Face ID, Touch ID, or a passcode on your eligible device.
  • Quick and easy: Making cash withdrawals with Apple Pay is fast and straightforward. Just tap your device near the NFC-enabled reader on the ATM, select your desired withdrawal amount, and complete the transaction.
  • Enhanced security: Compared to carrying large amounts of cash or even a physical card, using Apple Pay provides an added layer of security since it requires biometric authentication or a secure passcode.


  • Device requirement: To use ATMs with Apple Pay, you must have an eligible iPhone or other compatible device equipped with Near Field Communication (NFC) capabilities.
  • Limited availability: Not all ATMs support contactless payments yet; therefore, not every machine will accept transactions made through services like Apply Pay.
  • Fees still apply: While making withdrawals through an ATM via Apple Pay may seem convenient, keep in mind any fees charged by either bank issuing your cards, as well as those charged by the ATM operator, would still apply.

Using Contactless ATMS Abroad

When traveling internationally, you can potentially use Apple Pay for cash withdrawals just as easily as you do back home. Finding Cardles ATMs with Apple Pay might be possible depending upon the destination country.

For instance, in Switzerland, around 20% of all ATMs had contactless withdrawal options in 2020, and that number is expected to increase since then. In general, the availability of cardless ATMs that take Apple Pay abroad will depend on the country’s financial infrastructure and adoption of new technologies.

Alternatives to Using Apple Pay in ATMs: Exploring Online Money Transfer Services

With the rise of smartphones and mobile wallets like Apple Pay, many individuals are now able to make secure payments conveniently with just a tap of their phone.

However, there may be situations where using Apple Pay at an ATM is not feasible or available. For instance, some countries might not support this technology yet, or certain banks may not offer it as a service. In such cases, exploring alternative options for transferring cash becomes essential.

Online money transfer services provide excellent alternatives when it comes to sending and receiving funds without relying on traditional ATMs or physical cash transactions. Let’s explore how these services work:

Virtual Wallets

Virtual wallet providers allow you to store your funds digitally within their platform while offering various features such as peer-to-peer transfers and bill payments through linked bank accounts or debit cards. Examples include PayPal, Venmo (US), Alipay (China), M-Pesa (Africa), and WeChat Pay (China).

Bank Transfers

Most financial institutions nowadays offer online banking facilities that enable customers to send money directly from one account to another electronically via wire transfer or automated clearinghouse networks like SWIFT or SEPA.

Peer-to-Peer Payment Apps

There are numerous apps available that facilitate instant fund transfers between users by simply linking their bank accounts together within the app itself (if you are looking for instant cash advances, finding the right option is also easy).

Examples include Zelle (US), Cash App/ Square Cash(US), and Revolut(UK/EU).

Cryptocurrency Exchanges

Cryptocurrencies have gained significant attention over recent years due to their potential for borderless transactions with minimal fees compared to traditional methods.

Platforms like Coinbase (BTC and ETH based), Binance (wide range including BTC too), etc, can help exchange crypto into fiat currency, which can then be withdrawn from standard ATMs. When considering these alternatives, it’s important to keep the following points in mind:

  1. Fees: Be aware of any transaction fees or currency exchange rates associated with using online money transfer services. Some providers may charge a percentage-based fee for each transaction, while others offer free transfers up to a certain limit.
  2. Security: Ensure that the platform you choose has robust security measures such as encryption and two-factor authentication to safeguard your financial information and transactions.
  3. Availability: Check if the service is available in both your country of residence and destination, as some platforms may have limited reach or specific restrictions based on geographical locations.
  4. Speed and convenience: Consider how quickly funds can be transferred, especially when immediate access is required.
  5. Some apps boasting real-time transfers within their network might take longer (a few days) when transferring outside its ecosystem.

So, we have fully answered the “can I use Apple Pay at ATM?” question and even provided some additional tips. In summary, while Apple Pay provides convenience for making payments at physical stores or through supported ATMs, exploring alternative options like virtual wallets, bank transfers, peer-to-peer payment apps, and cryptocurrency exchanges can help bridge the gap where this technology isn’t widely accepted yet.

By being familiar with these alternatives and understanding their features along with the potential costs involved, individuals can confidently manage their finances even without relying solely on ATMs that take Apple Pay.