Updated November 2025 — Tired of carrying your debit card? Modern cardless ATMs let you tap your phone or scan a code to get cash instantly. Whether you use Apple Pay, Google Wallet, Samsung Pay, or your bank’s app, this guide shows you exactly who has cardless ATMs near you right now—and how to use them safely without extra fees.
Need all nearby ATMs—including fee-free and 24-hour options? Visit our ATM Near Me guide for a full locator covering every major network.
How Cardless ATMs Work (NFC vs QR Codes)
Cardless ATMs replace your physical card with a secure digital handshake. Using NFC (Near Field Communication) or a temporary QR code, you connect your phone wallet or banking app to the ATM to start the withdrawal. Here’s how it works:
- Open your bank’s app and select “Cardless ATM” or “Contactless Withdrawal.”
- Authenticate with Face ID, fingerprint, or PIN.
- Tap or scan the ATM’s contactless logo or QR code using your phone.
- Withdraw cash—your card number never leaves your device.
| Feature | Cardless ATMs | Traditional ATMs |
|---|---|---|
| Access Method | Tap phone / scan code | Insert card |
| Security | Tokenized & encrypted | Mag-stripe or chip |
| Speed | Faster (one-step auth) | Multi-screen process |
| Wallet Support | Apple Pay | Google Wallet | Samsung Pay | Debit/credit cards only |
| Availability (2025) | Expanding nationwide | Universal |
Which Banks Offer Cardless ATMs That Work with Tap-to-Pay
- Chase: Tap your phone via Apple Pay, Google Wallet, or Samsung Pay at any Chase ATM showing the contactless symbol.
- Bank of America: Generates a secure QR code in-app for cardless cash withdrawals at most locations.
- Wells Fargo: Supports tap-to-withdraw and one-time codes via the Wells Fargo Mobile® app.
- Capital One: Rolling out nationwide NFC and mobile-wallet compatibility in 2025.
- Others: US Bank, Truist, and Navy Federal are expanding support—look for the contactless wave symbol on screen or ATM door.
Cardless ATMs at Walgreens, CVS & Other Retail Stores
Walgreens, CVS, and Target host thousands of Allpoint® and MoneyPass® machines — many already support NFC tap access. That means you can withdraw cash using Apple Pay or your bank app without inserting a card. Just look for signs that say “Tap Here” or “Cardless Enabled.”
To avoid fees at retail ATMs, see our guide on avoiding ATM surcharges at Walgreens & CVS.
Apps That Support Cardless ATM Withdrawals in 2025
- Cash App: Tap-to-withdraw works once your digital wallet is linked and activated.
- Venmo Debit Card: Compatible with tap-enabled Mastercard® ATMs in most regions.
- True Link Card: Fee-free at all Allpoint ATMs nationwide.
How to Find a Cardless or Tap-Enabled ATM Near You
- Use your bank’s locator: Filter for “cardless” or “contactless.”
- Try Google Maps or Apple Maps: Search phrases like “tap ATM with Apple Pay near me” or “contactless ATM open now.”
- Use network locators: Allpoint, MoneyPass, or Surcharge-Free ATMs.
Security & Safety Benefits of Cardless ATMs
Every tap-based withdrawal uses a unique encrypted token, so your card number never travels through the machine. That protects you from skimming and card cloning devices. Learn more about avoiding ATM skimming and review our ATM phone safety tips before your next withdrawal.
Did you know? In 2025, over 65 percent of U.S. banks offer cardless or contactless ATM withdrawals—up from 42 percent two years ago.
Fees, Limits & Money-Saving Tips
- Cardless ATM withdrawals follow your standard daily limit. Need more? Request a temporary limit increase.
- Use your bank’s network to avoid surcharges—compare fee-free ATMs near you.
- Allpoint and MoneyPass networks are accepted at many tap-enabled machines.
- Always confirm the fee screen before tapping “Withdraw.”
FAQs About Cardless ATMs
Who has the best cardless ATMs near me?
Chase, Wells Fargo, and Bank of America currently operate the largest tap-to-cash networks compatible with Apple Pay and Google Wallet.
Can I withdraw money without my debit card?
Yes—just open your mobile banking app or wallet and tap the ATM’s contactless symbol. Most major banks support this in 2025.
Are cardless ATMs open 24 hours?
Most drive-up and lobby ATMs with NFC readers are available 24/7.
Can I deposit cash without a card?
Only if your bank has enabled mobile-linked deposits—Chase, PNC, and Bank of America offer this at select locations.
Are cardless ATMs safe?
Yes. Tokenized transactions make them safer than magstripe withdrawals and help reduce fraud.
Related Guides & Next Steps
- Contactless ATMs Explained
- Allpoint vs MoneyPass Comparison
- Fee-Free ATMs Near You
- ATM Withdrawal Limits by Bank
- ATM Near Me Hub (Full Locator)
Bookmark this page to quickly find cardless ATMs near you that work with your phone and wallet apps for secure, fast, and fee-free cash access throughout 2025 and beyond.