Quick answer: To withdraw cash with Apple Pay, look for ATMs with the contactless (NFC) symbol. Add your debit card to Apple Wallet, tap your iPhone or Apple Watch on the reader, 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 Near You
Not every ATM supports Apple Pay yet, but availability is growing fast. Here’s how to find machines that work with your Wallet:
- Apple Maps: Open Maps, search for “ATM,” tap a location, and check the details 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. Many banks now label ATMs that support wallet taps.
- Look for the NFC logo on the machine: The contactless symbol ((( ))) near the card slot or a separate tap area indicates you can use Apple Pay or other mobile wallets.
- Check contactless ATM guides: For a deeper overview of how NFC ATMs work, see our dedicated guide to contactless ATMs.
Live Map: Contactless / Apple Pay ATMs Near You
Use the interactive map below to explore ATMs near your location. Then confirm in your bank’s locator to make sure your card is supported and to avoid out-of-network fees.
Banks & ATM Networks with Contactless Withdrawals
Apple Pay at ATMs is still rolling out, but many major banks and networks already support tap-to-withdraw. Availability always depends on the specific machine, so confirm in your bank’s ATM locator before heading out.
| Bank / Network | Apple Pay at ATM | Notes |
|---|---|---|
| Wells Fargo | Yes | “Card-Free” ATMs support Apple Pay, Google Pay, Samsung Pay on compatible cards. |
| Chase | Yes | Tap your Wallet with a Chase debit card on ATMs showing the contactless icon. |
| Bank of America | Yes (select ATMs) | Many Smart ATMs support contactless; check the ATM listing for “cardless” or “tap.” |
| Allpoint® Network | Varies | Newer Allpoint machines often have NFC; confirm in your bank or fintech app. |
| Cardtronics / retail ATMs | Varies | Common in convenience stores, drugstores, and supermarkets — tap support depends on the specific unit. |
Important: Even if the ATM supports Apple Pay, your card issuer must also allow cardless withdrawals. Always test small amounts first when using a new ATM.
How to Use Apple Pay at an ATM (Step-by-Step)
- Add your debit card to Apple Wallet.
Open Wallet → tap the “+” icon → choose Debit or Prepaid Card → follow the prompts to verify with your bank. - Find a contactless ATM.
Confirm the ATM displays the contactless symbol or “Cardless / Tap” instructions on the screen or near the card slot. - Wake your iPhone or Apple Watch.
On iPhone, double-click the Side button (or Home button on older models), select the correct debit card if needed. - Tap your device on the reader.
Hold your iPhone or Apple Watch over the NFC/contactless area until you feel a vibration or see the checkmark. - Authenticate with Face ID, Touch ID, or passcode.
This replaces inserting your physical card — it proves you’re the authorized cardholder. - Enter your PIN on the ATM keypad.
You’ll still need your standard card PIN to complete the withdrawal or other transaction. - Choose your transaction and finish as usual.
Select withdrawal amount, collect your cash and receipt, and ensure the session fully ends before you walk away.
Fees, Limits & Compatibility
- Same fees as using your physical card: Apple Pay doesn’t remove ATM fees. Out-of-network and foreign transaction fees still apply based on your bank’s policy.
- Daily ATM limits still apply: Your bank’s standard ATM withdrawal limit (and the machine’s cash cap) remain in place, whether you tap or insert.
- Debit card required: ATMs generally only support debit cards in Apple Wallet for cash withdrawals — not credit-only products.
- Contactless vs. “no-card” ATMs: Some machines let you withdraw using a QR code or one-time code instead of NFC. For those setups, see our guide on which ATMs work without a card.
Troubleshooting: When Apple Pay Won’t Work at an ATM
- No contactless symbol: If you don’t see the NFC logo, the ATM likely doesn’t support tap-to-pay yet.
- Card not supported: Some banks only allow cardless access on specific account types or regions.
- Reader not responding: Move your device slowly over the contactless area; remove thick cases or metal wallets that block NFC.
- Declined transaction: Check your balance, daily limit, and fraud alerts in your banking app before trying again.
Safety Tips for Using Apple Pay at ATMs
- Choose safe locations: Prefer bank branches, drive-up ATMs, and well-lit areas with cameras.
- Protect your PIN: Even with Apple Pay, you still enter your PIN. Shield the keypad with your hand.
- Inspect the machine: If the contactless reader or card slot looks loose, taped, or strange, cancel and find another ATM.
- Secure your phone: Keep Face ID/Touch ID enabled and don’t share your device passcode with anyone.
- Grab everything before you leave: Take your cash, card (if used), and receipt, and ensure the ATM session is fully closed.
Apple Pay ATM FAQs
Which ATMs take Apple Pay?
Any contactless/NFC-enabled ATM that supports your debit card and issuer. Look for the NFC logo on the machine and “cardless” or “contactless” tags in your bank’s locator.
Can I use Apple Card at an ATM?
No. Apple Card (the Goldman Sachs–issued Mastercard credit card) does not support ATM withdrawals or cash advances. Use a debit card added to Apple Wallet instead.
Can I use Apple Pay at an ATM without my physical card?
Yes, if the ATM supports cardless/contactless withdrawals and your debit card issuer allows Apple Pay cash access. Always bring a backup payment method in case the ATM’s reader is down.
Does tapping change my ATM fees or exchange rate?
No. Contactless is only the way you authenticate. Your bank’s normal ATM fees, out-of-network charges, and foreign exchange rates still apply.
Can I get cash back with Apple Pay in stores instead of an ATM?
Often, yes — many grocery and big-box retailers allow cash back on debit transactions made with Apple Pay. Availability and limits vary by merchant.
City Guides: Apple Pay ATMs in Major Cities
If you live in or are traveling to a major metro area, check our city-specific Apple Pay ATM guides for local tips, neighborhoods, and bank coverage:
Updated: November 2025
Updated November 2025