Apple Pay ATM PIN setup

Simplifying Security: A Guide to Apple Pay ATM PIN Setup

In our increasingly digital world, Apple Pay has revolutionized the way we handle payments, from in-store transactions to online purchases. However, one feature that many Apple Pay users might not be fully aware of is the ability to set up a personal identification number (PIN) for use at ATMs. This added layer of security not only ensures the safety of your financial transactions but also enhances the convenience of accessing cash. In this article, we’ll walk you through the process of setting up an Apple Pay ATM PIN.

What is Apple Pay ATM PIN?

An Apple Pay ATM PIN is a four- to six-digit code that you can create to secure your ATM withdrawals when using Apple Pay. This PIN is separate from the passcode or biometric authentication (Face ID or Touch ID) you use to unlock your device. It adds an extra layer of security to your financial transactions, ensuring that only you can access your funds.

Locate Apple Pay-Enabled ATMs

Setting Up Your Apple Pay ATM PIN

Here’s a step-by-step guide on how to set up your Apple Pay ATM PIN:

  1. Open the Apple Wallet App: Begin by opening the Apple Wallet app on your iPhone or iPad.
  2. Select Your Card: Tap on the card you want to set up an ATM PIN for. If you haven’t added your card to Apple Wallet yet, you’ll need to do so first.
  3. Access Card Details: Look for and tap on the “Info” button (represented by a small “i” or “…” symbol) usually located in the upper-right corner of the card.
  4. Find the ATM PIN Option: Scroll down through the card details until you find the “ATM PIN” or “PIN Settings” option. Tap on it.
  5. Create Your PIN: Follow the on-screen instructions to create a four- to six-digit PIN of your choice. Ensure it’s something easy for you to remember but difficult for others to guess. Avoid using easily accessible personal information, such as your birthdate.
  6. Confirm Your PIN: You’ll be prompted to confirm your newly created PIN. Re-enter it to ensure accuracy.
  7. Save and Use Your PIN: Once confirmed, your Apple Pay ATM PIN is set up and ready for use. You’ll now be able to use this PIN for secure ATM withdrawals when using Apple Pay.

Benefits of an Apple Pay ATM PIN

Setting up an Apple Pay ATM PIN offers several benefits:

  1. Enhanced Security: Your ATM transactions are doubly protected, as both your device’s security features and your PIN are required for access.
  2. Quick and Convenient: Speed up ATM transactions by entering your PIN instead of your physical card.
  3. Peace of Mind: Rest easy knowing that your financial information is secure, even if your device is lost or stolen.


Setting up an Apple Pay ATM PIN is a simple yet effective way to enhance the security of your financial transactions while maintaining the convenience of using Apple Pay. By following the steps outlined in this article, you can ensure that your ATM withdrawals are both secure and efficient. Embrace the future of digital banking with Apple Pay ATM PIN setup, and enjoy a safer and more convenient financial experience.