How to Use Apple Pay at ATMs in 2024

By Dave Johnson - Senior Staff Writer
1 Min Read

An automated teller machine (ATM) is an electronic banking outlet that allows customers to complete basic transactions without the aid of a branch representative or teller. Anyone with a credit card or debit card can access cash at most ATMs, either in the U.S. or other countries.

You might be surprised to learn that you can withdraw cash from an ATM even without your debit card. This feature is known as a cardless ATM, and while not all ATMs have this feature, you can find those that do with many major banks.

Using a cardless ATM, you can use Apple Pay to get cash from your bank account at an ATM without inserting your debit or credit card into a card reader. This article explains how you can do that.

Using Apple Pay with an ATM is easy thanks to Apple Wallet and Cardless ATM support  

How to use Apple Pay at an ATM

First, check to make sure the ATM has the contactless payment symbol that indicates it accepts Apple Pay.

The Cardless NFC logo is usually displayed prominently on most ATMs that support the feature.

Cardless NFC and Apple Pay logos  

Once you’ve confirmed the ATM supports Cardless Apple Pay, you can follow the steps below to withdraw or deposit cash.

  1. On your iPhone, start the Wallet app and tap the card you want to use with the ATM.

  2. Tap your iPhone on the symbol on the ATM.

  3. Use Face ID or Touch ID to authenticate the transaction.

  4. Enter your ATM Pin code if asked.

  5. Use the ATM to finalize your transaction, whether withdrawing cash, depositing cash, or otherwise.

What ATMs accept Apple Pay?

Several banks in the United States offer Cardless ATMs where you can use Apple Pay to withdraw cash without the need for a physical card. These include:

  • Bank of America.
  • Capital One.
  • Chase.
  • Citibank.
  • Fifth Third Bank.
  • PNC Bank.
  • TD Bank.
  • Truist.
  • US Bank.
  • Wells Fargo.

See also:A Complete List Of Stores That Accept Apple Pay

ATMs that don’t allow Apple Pay

Some of these banks may offer Cardless ATMs but you may have to use their app.

  • Bank of Hawaii
  • BB&T Bank
  • BBVA
  • City National Bank
  • Fifth Third Bank
  • First Farmers Bank & Trust
  • HomeStreet Bank
  • HSBC
  • PlainsCapital Bank
  • PNC
  • Regions
  • Wintrust

See also: Does Walmart Take Apple Pay?


Do you use contactless and cardless ATMs with Apple Wallet and Apple Pay? Do you find it easier to use iPhone with an ATM rather than carrying a debit card? Let us know your thoughts and experiences in the comments.

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By Dave Johnson Senior Staff Writer
Dave Johnson is a tech writer at GeeksChalk.com covering how-tos, fixes, and tips. He is a longtime Mac and iPhone user and holds a Ph.D. in Computer Science.
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