Wells Fargo cardless ATMs let you withdraw cash using your phone instead of a physical debit card. Depending on the ATM, Wells Fargo supports cardless withdrawals through tap-to-pay or a one-time access code generated in the Wells Fargo Mobile app.
This guide explains how Wells Fargo cardless ATMs work, how to use an access code, withdrawal limits, fees, and how to find a compatible Wells Fargo ATM near you.
Does Wells Fargo Offer Cardless ATMs?
Yes. Wells Fargo offers cardless ATM access at many of its ATMs across the United States. Some machines support tap-to-withdraw, while others use a one-time access code generated inside the Wells Fargo Mobile app.
Availability varies by location and ATM type. Not every Wells Fargo ATM supports cardless withdrawals, especially older or indoor branch machines.
How To Use A Wells Fargo Cardless ATM
Wells Fargo cardless withdrawals typically use an access code rather than a direct tap, although some newer ATMs support contactless tapping.
- Open the Wells Fargo Mobile app.
- Select your checking account and choose the cardless ATM or access code option.
- Generate a one-time access code.
- Enter the code at the Wells Fargo ATM or follow on-screen instructions.
- Select your withdrawal amount and complete the transaction.
Access codes expire after a short period for security reasons.
Wells Fargo Cardless ATM Withdrawal Limits
Wells Fargo cardless ATM withdrawals generally follow the same daily ATM limits as debit card withdrawals. Most customers have daily limits ranging from $300 to $1,000, depending on account type and banking history.
Limits may be lower for new accounts or temporarily reduced due to security checks. For a full breakdown across banks, see our cardless ATM withdrawal limits guide.
Fees At Wells Fargo Cardless ATMs
- Wells Fargo ATMs: No withdrawal fee when using in-network Wells Fargo ATMs.
- Non-Wells Fargo ATMs: Out-of-network machines may charge a surcharge.
- International ATMs: Foreign transaction and conversion fees may apply.
Always review the fee disclosure on the ATM screen before confirming your withdrawal.
How To Find A Wells Fargo Cardless ATM Near You
- Open the Wells Fargo Mobile app and use the ATM locator.
- Search for ATMs that mention cardless access or access codes.
- Confirm instructions on the ATM screen before starting.
To compare Wells Fargo with other banks offering cardless withdrawals, visit our cardless ATM near me guide.
Security Benefits Of Wells Fargo Cardless Withdrawals
Wells Fargo cardless ATM transactions use one-time access codes and encrypted verification instead of your debit card number. This reduces the risk of card skimming and unauthorized card duplication.
You should still protect your phone, avoid sharing access codes, and stay aware of your surroundings while using any ATM.