Looking for an Apple Pay ATM in New York or searching “Apple Pay ATM near me” while you’re in the city? You don’t need a special Apple-branded machine. What you’re really looking for is an NFC-enabled ATM that lets you tap your iPhone or Apple Watch at the contactless symbol, enter your PIN, and withdraw cash—no card insert required.
This guide explains where Apple Pay–friendly ATMs are most common across NYC (Manhattan, Brooklyn, Queens, the Bronx, Staten Island), which banks support tap-to-cash, how to find them on a map, and exactly how to use Apple Pay at the ATM.
Where You’ll Most Likely Find Apple Pay ATMs in NYC
In New York City, ATMs that work with Apple Pay usually show the contactless “wave” symbol near the card slot, keypad, or screen. You’ll find the best coverage in:
- Manhattan business districts: Midtown, Financial District, Bryant Park, and around major avenues (5th, 6th, 7th, Lexington) with dense clusters of Chase, Bank of America, Citi, and Wells Fargo branches.
- Transit hubs: ATMs in and around Penn Station, Grand Central, Port Authority, major subway interchanges, and ferry terminals.
- Brooklyn & Queens corridors: Downtown Brooklyn, Williamsburg, Long Island City, Astoria, Jackson Heights, and Flushing often have upgraded branch ATMs.
- High-traffic retail areas: ATMs inside big-box stores, pharmacies, and grocery chains that host large bank or network-branded machines.
As long as your debit card is in Apple Wallet and the ATM supports contactless or cardless access, you can usually start the session with Apple Pay, then enter your normal PIN to withdraw cash.
Banks in New York That Commonly Support Apple Pay at ATMs
Availability varies by branch, but these banks are often your best starting points for tap-to-cash in NYC:
| Bank | Apple Pay / Contactless ATM Support* | How to Check |
|---|---|---|
| Chase | Many Manhattan, Brooklyn, and Queens branches support Apple Pay tap at ATMs. | Use the Chase app/locator and look for contactless or cardless ATM icons. |
| Bank of America | Flagship and high-traffic branches across NYC often support wallet tap to start ATM sessions. | Use the BOA locator → filter by ATM features. |
| Citi | Key branches in Manhattan and borough centers may offer contactless/cardless ATM access. | Check the Citi locator for “contactless” or “cardless” notes. |
| Wells Fargo | Selected branches and metro locations support cardless/contactless access. | Filter for cardless/contactless ATMs in the Wells Fargo locator. |
| PNC, TD Bank & others | Rollouts vary by branch; some upgraded ATMs support tap. | Use each bank’s locator or call ahead. |
*Features change over time. Always confirm in your bank’s app or locator before you head out.
Map: Search for Apple Pay / Contactless ATMs in New York
Tip: In Google Maps or Apple Maps, search for “ATM” or a specific bank (e.g., “Chase ATM,” “Bank of America ATM”) while you’re in NYC, then tap through the locations and look for photos or icons showing the contactless symbol.
How to Find an Apple Pay ATM in NYC (Step-by-Step)
- Start with your bank’s app. Use the built-in ATM locator and enable filters for cardless, contactless, tap, or digital wallet.
- Choose branch locations first. In Manhattan and the boroughs, ATMs inside bank branches are upgraded more often and usually support tap-to-cash.
- Use maps near your current spot. Search “ATM” in Midtown, FiDi, Brooklyn, Queens, or wherever you are and then filter to your bank’s branches.
- Check the machine for the contactless logo. Look for the wave icon, usually near the card slot or screen.
- Call ahead for certainty. Ask a nearby branch: “Does your ATM support Apple Pay or contactless withdrawals?”
How to Use Apple Pay at an ATM in New York
Once you’re standing at a compatible ATM, using Apple Pay is pretty straightforward:
- Add your debit card to Apple Wallet (if you haven’t already) and confirm Apple Pay is set up on your iPhone or Apple Watch.
- Wake your device and select the debit card linked to the account you want to withdraw from.
- Hold it near the contactless symbol on the ATM until your device vibrates or shows it’s connected.
- Authenticate with Face ID, Touch ID, or your passcode on the device.
- Enter your PIN on the ATM keypad when prompted, choose Withdraw, and select your amount.
- Take your cash and receipt, then lock your phone and step away from the machine before counting money.
Fees, Limits & Safety in NYC
- Fees: Apple Pay doesn’t erase fees. You can still be charged an ATM surcharge plus your bank’s out-of-network fee. To save money, favor your own bank’s ATMs or see our fee-free ATM guide.
- Limits: Your normal ATM withdrawal limits by bank still apply, even when you use Apple Pay.
- Security: Apple Pay uses tokenization, so your actual card number isn’t sent through the ATM’s magstripe reader, reducing skimming risk.
- Location safety: In NYC, try to use indoor or lobby ATMs in branches, transit hubs, or busy retail spaces—especially at night or for larger withdrawals.
Quick FAQs: Apple Pay ATMs in New York
Do all ATMs in New York accept Apple Pay?
No. Only NFC-enabled ATMs that support cardless or wallet access work with Apple Pay. Always look for the contactless symbol and confirm in your bank’s app.
Which banks are best for Apple Pay ATMs in NYC?
Chase, Bank of America, Citi, Wells Fargo, and some PNC or TD Bank branches are common options—especially in Manhattan and busy neighborhood centers.
Is Apple Pay at an ATM safer than using a physical card?
Often yes. Apple Pay transactions are tokenized and protected with Face ID / Touch ID, so your card number isn’t stored on the ATM and is harder to skim.
Can I deposit using Apple Pay at an ATM?
Usually Apple Pay is just how you authenticate at the ATM. Deposits depend on your bank and that specific machine—follow on-screen prompts once you’re logged in.
Related Guides
- Apple Pay ATM Near Me (National Guide)
- Apple Pay ATM in Chicago
- Apple Pay ATM in Philadelphia
- Contactless ATM Near Me
- Cardless ATM Near Me
- ATMs in New York City
Updated November 2025.