Who Has Cardless ATMs Near Me That Work with Apple Pay, Google Wallet & Tap to Cash?

Cardless ATM

Instead of just searching “cardless ATM near me,” you want to know which ATMs actually work with Apple Pay, Google Wallet, and your bank’s app — right now, near you. This guide shows how to find the best contactless ATMs that let you withdraw cash with your phone, skip the card, and avoid extra fees.

How Cardless ATMs Work (NFC, QR Codes & Mobile Wallets)

Cardless ATMs use NFC (Near Field Communication) or one-time app codes instead of physical cards. You simply tap your phone, confirm your identity, and withdraw. Here’s how:


  1. Open your bank’s mobile app and choose “cardless withdrawal” or “contactless ATM.”
  2. Authenticate using Face ID, fingerprint, or passcode.
  3. Tap or scan using Apple Pay, Google Wallet, or the on-screen QR code.
  4. Withdraw cash — your card number is never transmitted, keeping your info safe.

Which Banks Offer Cardless ATMs That Work with Tap-to-Pay?

  • Chase: Tap using Apple Pay, Google Wallet, or Samsung Pay at any Chase ATM with the contactless logo.
  • Bank of America: Use a secure QR code from the app for cardless withdrawals at most locations.
  • Wells Fargo: Supports tap-to-withdraw and one-time codes from the Wells Fargo Mobile® app.
  • Capital One: Expanding nationwide with NFC and mobile wallet compatibility.

Other banks such as US Bank, Truist, and Navy Federal are adding contactless access in phases. Always look for the wave-style contactless symbol on the ATM before tapping your phone.

Who Has Cardless ATMs at Walgreens, CVS & Retail Stores?

Walgreens and CVS host thousands of Allpoint® and MoneyPass® ATMs — many already support NFC tap access. That means you can withdraw cash with Apple Pay, Google Wallet, or your mobile banking app without a physical card. Look for signage reading “Cardless” or “Tap Here.”


For surcharge-free access, check our guide on avoiding ATM surcharges at Walgreens and CVS.

Cardless Access Through Apps Like Cash App, Venmo & True Link

Cash App, Venmo, and True Link cardholders can also go card-free at many ATMs. For example:

  • True Link: Fee-free access at all Allpoint ATMs.
  • Cash App: Tap to withdraw once your digital wallet is linked and activated.
  • Venmo Debit Card: Works with tap-enabled ATMs through Mastercard®’s contactless system.

How to Find a Cardless or Tap-Enabled ATM Near You

  1. Use your bank’s locator — most apps include filters for “cardless” or “contactless.”
  2. Search Google Maps: Try phrases like “Who has a cardless ATM near me that’s open now?” or “tap ATM that works with Apple Pay near me.”
  3. Use network locators: Allpoint, MoneyPass, or Surcharge-Free ATMs.

Security: Why Cardless ATMs Are Safer

Each tap-based transaction uses an encrypted, one-time token. That means your card number never travels through the ATM — protecting you from skimming and cloning. Learn more about how to avoid ATM skimming and see ATM phone safety tips before your next visit.

Fees, Limits & Tips

Cardless ATM withdrawals follow your usual bank limits. Need more cash? Here’s how to increase your ATM withdrawal limit. To avoid fees, stick to your bank’s network or use fee-free ATMs whenever possible.


FAQs: Cardless ATMs Explained

Who has the best cardless ATMs near me?
Chase, Wells Fargo, and Bank of America currently offer the widest tap-to-cash networks with Apple Pay and Google Wallet compatibility.

Can I use Apple Pay or Google Wallet at ATMs?
Yes. Tap your phone at ATMs showing the contactless symbol — most major banks support it in 2025.

Are cardless ATMs open 24 hours?
Many are. Most drive-up and lobby ATMs with NFC readers provide 24-hour access.

Can I deposit cash at a cardless ATM?
Only if your bank enables mobile-linked deposits. Chase, PNC, and Bank of America support this at select locations.


Are cardless ATMs safe?
Yes — transactions are tokenized and encrypted, making them safer than magstripe withdrawals.

Related Resources

Updated October 2025. Use this guide to find who has cardless ATMs near you that work with your phone and wallet app — for faster, safer, contactless cash access.