Quick answer: Look for ATMs with the contactless (NFC) symbol and use your debit card in Apple Wallet. Tap, authenticate with Face ID/Touch ID, enter your PIN on the ATM, and withdraw—no card insert required.
How to Find Apple Pay–Compatible ATMs
- Apple Maps: Search “ATM” and open a location’s details. Look for the contactless icon or “Accepts Apple Pay.”
- Your bank’s locator: In your bank’s app or website, filter for cardless, contactless, or NFC-enabled ATMs.
- Interactive map (below): Pan and zoom to find NFC/contactless ATMs near you, then confirm in your bank app to avoid fees.
Live Map: Contactless / Apple Pay ATMs Near You
Banks & ATM Networks with Contactless Withdrawals
Availability varies by location. Always confirm in your bank’s locator.
| Bank / Network | Apple Pay at ATM | Notes |
|---|---|---|
| Wells Fargo | Yes | “Card-Free” ATMs support Apple Pay, Google Pay, Samsung Pay. |
| Chase | Yes | Use Wallet with a Chase debit card; look for the contactless icon. |
| Bank of America | Yes (select ATMs) | Check the ATM’s listing for “contactless” support. |
| Allpoint® Network | Varies | Many units are NFC-enabled; verify in your issuing bank’s app. |
| Cardtronics/“atms in retail” | Varies | Often supports contactless in newer machines; confirm on site. |
How to Use Apple Pay at an ATM (Step-by-Step)
- Add your debit card to Apple Wallet (Wallet → “+” → Debit or Prepaid Card).
- At the ATM, confirm it shows the contactless/NFC logo or “Cardless / Tap.”
- Wake your iPhone (or double-click Side Button on Apple Watch) and select the correct debit card.
- Tap your device on the contactless reader, then authenticate with Face ID/Touch ID/passcode.
- Enter your PIN on the ATM keypad, choose withdrawal, and finish as usual.
Fees, Limits & Compatibility
- Same fees as your card: Using Apple Pay doesn’t change your bank’s ATM or out-of-network fees.
- Daily limits still apply: Your usual ATM withdrawal limit and the machine’s cash cap remain in effect.
- Debit required: ATMs generally require a debit card in Wallet for cash withdrawal.
Safety Tips
- Prefer well-lit, bank-owned ATMs; avoid isolated kiosks.
- Cover the keypad for your PIN; cancel if the reader looks tampered or loose.
- Take your cash and receipt before stepping away; lock your phone with Face ID/Touch ID.
Apple Pay ATM FAQs
Which ATMs take Apple Pay?
Any contactless/NFC-enabled ATM that supports your debit card. Check your bank’s locator for “cardless/contactless” filters.
Can I use Apple Card at an ATM?
No. Apple Card (Mastercard credit) does not support cash advances or ATM withdrawals. Use a debit card loaded in Apple Wallet instead.
Can I get cash back with Apple Pay in stores?
Yes, if the merchant allows cash back on debit transactions. Policies vary by store and amount.
Does tapping change my fees or exchange rate?
No. Contactless is just how you authenticate. Your bank’s ATM fees and FX rules (if abroad) still apply.
Related Guides
- Contactless ATM Near Me – All NFC options
- Cardless ATM Near Me – Withdraw without your physical card
- VISA ATM Near Me – Global access tips
Updated: October 2025