When people search for a contactless ATM near me, they are usually trying to withdraw cash without inserting a physical card. In most cases, this means using a phone, mobile wallet, or tap-enabled device to access an ATM.
Contactless ATMs are a specific type of cardless ATM. Not all cardless ATMs are contactless, and not every ATM that supports tap-to-pay allows contactless cash withdrawals. Understanding this difference helps avoid wasted trips and confusion.
The map below shows nearby ATM locations where contactless or cardless access may be available. Availability depends on the bank, ATM model, and your account setup.
What does “contactless ATM” actually mean?
A contactless ATM allows you to start a transaction without inserting a debit card. Instead, the ATM communicates with your phone or device using near-field communication (NFC) or app-based verification.
Common contactless methods include:
- Tapping a phone or smartwatch with a supported mobile wallet
- Using a bank’s mobile app to authorize the withdrawal
- Scanning a QR code or confirming a one-time access code
Contactless access reduces physical contact with the machine, but it still requires identity verification through your bank or app.
Contactless vs cardless ATMs
These terms are often used interchangeably, but they are not the same.
- Cardless ATM: Any ATM that lets you withdraw cash without inserting a card
- Contactless ATM: A cardless ATM that uses tap, NFC, or proximity-based technology
Some cardless ATMs require app-based confirmation without tap-to-pay. Others support true contactless tapping. If tap access matters, it’s best to confirm through your bank’s app before going.
For the broadest coverage, see cardless ATM near me, which includes all card-free withdrawal options.
Where contactless ATMs are most commonly found
Contactless ATM availability depends heavily on location and ATM upgrades. Newer machines are more likely to support tap or mobile-based withdrawals.
Bank branches and newer locations
Modern branch locations are the most reliable places to find contactless ATMs. These machines are often installed during branch renovations or technology upgrades.
Urban and high-traffic areas
In busy city centers, contactless ATMs are more common due to higher demand for faster, card-free transactions.
Retail and travel environments
Some contactless ATMs appear in shopping centers, airports, and transit hubs, but support varies widely by bank and network.
Fees and limits at contactless ATMs
Using a contactless ATM does not automatically change fees. The same rules apply as standard ATM withdrawals.
- Using your bank’s ATM is usually fee-free
- Out-of-network ATMs may charge a surcharge
- Fees are shown on screen before you confirm
For more details, see ATM fees explained and how to find fee-free ATMs.
Security and safety considerations
Contactless ATMs reduce card skimming risk, but safety still depends on environment and timing.
- Choose well-lit locations with visible activity
- Avoid using isolated machines late at night
- Confirm transactions only on official bank apps
- Enable alerts for withdrawals and access attempts
Additional guidance is available in our ATM safety tips guide.
Using this page to find a contactless ATM now
If you need a contactless ATM right now, use the map above to locate nearby options. Because support varies by bank and machine, confirming access in your bank’s app before traveling can save time.
For the widest range of card-free withdrawal options, including app-based and QR-enabled machines, visit cardless ATM near me.