Yes, you can use Apple Pay at an ATM. The machine has to show the contactless symbol, and you need your bank’s debit card in Apple Wallet plus your PIN. You tap your iPhone or Apple Watch where you would normally insert a card, then use the ATM the way you always do.
The catch is that it usually has to be your own bank’s ATM. Chase, Bank of America, Wells Fargo, PNC and Truist all say their ATMs take a debit card stored in a digital wallet. It is the same tap you use at stores that accept Apple Pay. Below is what each major bank says, how to find a cardless ATM near you, and how to get cash out of Apple Cash, which works differently.
Yes. Tap your phone at an ATM that shows the contactless symbol, then enter your PIN.
Which bank ATMs take Apple Pay
We read each bank’s own pages for this update. “Yes” means the bank says a debit card in a digital wallet works at its ATMs. “Limited” means there is a phone option, but it is not a simple Apple Wallet tap or the bank’s wording is thin. “Check locator” means the bank does not say, so confirm before you make the trip. The list covers ten large national banks.
| Bank | Apple Wallet at the ATM | What you need | How to find one |
|---|---|---|---|
| Chase | Yes | Chase debit card in Apple Pay, Google Wallet or Samsung Wallet, plus your ATM PIN. No credit cards or ATM-only cards. | Chase ATMs with the cardless symbol.Chase ATM locator |
| Bank of America | Yes | Bank of America debit card in your digital wallet, plus your debit card PIN. | Every Bank of America ATM.Bank of America ATM locator |
| Wells Fargo | Yes | Wells Fargo debit card in your digital wallet, plus your PIN. | Any Wells Fargo ATM. Some in secure lobbies need a card to open the door.Wells Fargo ATM locator |
| PNC | Yes | PNC debit card added to your mobile wallet through the PNC Mobile app. PNC calls it Mobile Tap, and it covers withdrawals, transfers and balance checks. | All PNC ATMs, but not partner ATMs.PNC ATM banking page |
| Truist | Yes, many ATMs | Truist debit card in your digital wallet, plus your PIN. | Look for the contactless symbol. Truist’s ATM location pages list Digital Wallet Access.Truist ATM locator |
| U.S. Bank | Limited | The bank says to insert or tap your card and enter your PIN, and that a mobile wallet only works with a linked U.S. Bank debit card. It gives no steps for a phone. | Check the welcome screen on the ATM.U.S. Bank ATM locator |
| Capital One | Limited | No Apple Wallet tap is mentioned. Cardless cash runs through the Capital One Mobile app for 360 Checking, Total Control Checking and Simply Checking. | ATMs that Capital One owns.Capital One ATM locator |
| Fifth Third | Limited | No Apple Wallet tap is mentioned. Cardless ATM is a feature inside the Fifth Third mobile app. | Fifth Third ATMs.Fifth Third ATM locator |
| Citi | Check locator | Citi does not say whether its ATMs read a phone. Citibank debit cards can go in Apple Pay, but ATM-only cards cannot. | Check the bank’s ATM locator or look for the symbol.Citi ATM locator |
| TD Bank | Check locator | TD covers tapping at store checkouts but does not mention ATMs. | Check the bank’s ATM locator or look for the symbol.TD Bank ATM locator |
Every “Yes” is for that bank’s own debit card at its own ATMs. Other machines are a maybe. Wells Fargo says digital wallet access also works at participating ATMs outside its network, and Bank of America says other banks’ ATMs may or may not be able to handle a contactless transaction. Credit unions and smaller banks set their own rules (see our credit unions vs banks comparison), so if yours is not listed, look for the symbol on the machine or ask a teller.
How to use Apple Pay at an ATM
The steps are the same at every bank that supports it. Chase, Bank of America, Wells Fargo and Truist all describe it the same way: pick the card, tap, enter your PIN.
- Add your debit card to Apple Wallet before you go. It has to be a debit card. Chase says credit cards and ATM-only cards are not eligible for cardless access.
- Find the contactless symbol on the ATM. That is where you will hold your phone. Chase calls its version the cardless symbol.
- Open Wallet and choose your debit card. On an iPhone with Face ID, double-click the side button. With Touch ID, double-click the Home button. If your default card is a credit card, tap it to see your other cards and pick the debit card.
- Hold the top of your iPhone near the symbol. On an Apple Watch, double-click the side button, scroll to the card and hold the display near the reader.
- Enter your debit card PIN on the keypad. Unlocking your phone with Face ID does not count. The ATM still asks for the PIN.
- Finish like normal. Chase says you can complete the same types of transactions as with your physical card. Take your cash and your receipt.
How to find a cardless ATM near you
There is no separate network of Apple Pay ATMs. An “Apple Pay ATM” is just a bank ATM with a contactless reader, which banks also call a cardless or contactless ATM. So the quickest way to find one is your own bank’s app or ATM locator, not a general map search.
Bank of America and PNC say every one of their ATMs has it, and Wells Fargo says any Wells Fargo ATM works, so with those three any of the bank’s own machines will do. Chase says to look for the cardless symbol on the machine. Truist covers many of its ATMs, and its ATM location pages list Digital Wallet Access under services. The locator links are in the table above.
A maps search for “Apple Pay ATM near me” will show you ATMs, but it will not tell you whether a machine takes your bank’s card by tap. That depends on the bank. Use the map for directions and the table above for the answer. If your bank is not a “Yes,” bring the physical card.
How to get cash from Apple Cash
Apple Cash is the balance in Wallet that fills up when someone sends you money. It is not a debit card you can use at an ATM. The Apple Cash terms list ATM withdrawals as not available, so tapping your Apple Cash card at a machine will not get you cash. This is the part most people mean when they ask how to withdraw money from Apple Pay.
To turn it into cash, move it out of Apple Cash first. Apple gives you two ways to do that.
| Transfer type | Speed | Cost |
|---|---|---|
| Bank transfer | 1 to 3 business days | Free |
| Instant Transfer to a debit card | Usually right away, up to 30 minutes | 1.7% of the amount, with a $0.25 minimum and a $25 maximum |
In Wallet, tap your Apple Cash card, tap the More button, then tap Transfer to Bank. Enter the amount and choose Instant Transfer or the 1 to 3 business days option.
You can move as little as $1 and as much as $10,000 per transfer, up to $20,000 in any seven days. Transfers only go to a US bank account or a US-issued debit card. On $200, Instant Transfer costs $3.40 and the regular transfer costs nothing, so wait if you can. Once the money lands in your checking account, you can pull it out at your bank’s ATM with a tap.
MoreCash App ATMs near you with no fees
Limits and fees
Tapping your phone does not change how much you can take out. Chase says cardless withdrawals have the same limits as your physical card, and Capital One says daily limits apply to its cardless withdrawals too. The number itself depends on your bank and your account. U.S. Bank, for one, says its daily ATM limit depends on your account type and shows it in online banking and the app. Banks cap other phone features separately, like mobile check deposit limits.
MoreATMs that let you overdraft
Fees depend on whose ATM you use, not on how you start the transaction. Apple says it does not charge any fees for paying with Apple Pay, so what you pay comes down to the bank and the ATM’s owner. At your own bank’s machines you generally pay nothing. Bank of America, PNC, U.S. Bank and Capital One all say their customers are not charged at the bank’s own ATMs. At someone else’s ATM you can be charged twice, once by the ATM’s owner and once by your bank. Bank of America lists both fees for ATMs outside its network, and Capital One warns you may be charged $2 or more at another bank’s ATM. The exact amounts are in your account’s fee schedule.
What to do if the ATM will not read your phone
If the tap does nothing, run through this list before you give up.
- No symbol on the machine. Without the contactless symbol, the ATM cannot read your phone. Use your card or try another machine.
- Wrong kind of card. It has to be a debit card, and in most cases one from the bank that owns the ATM. Chase does not allow credit cards or ATM-only cards.
- Wrong card selected. Wallet opens your default card, which may be a credit card. Switch to your debit card before you hold the phone to the reader.
- Locked lobby. Wells Fargo notes that some ATMs in secure locations need a physical card just to open the door.
- Brand-new account. Capital One says cardless withdrawals may not be available right away on new accounts.
- Not your bank’s ATM. PNC’s tap does not work at partner ATMs, and Capital One’s cardless cash only works at ATMs Capital One owns.
If it still will not work, check your bank’s app for another way in. PNC’s app can create a one-time access code that works at any PNC ATM for 30 minutes, and Capital One and Fifth Third both build cardless withdrawals into their apps. Failing that, a teller inside the branch can help.
If your bank does not support it
If your bank is a “Limited” or a “Check locator” in the table and you already tap to pay everywhere else, keep this in mind the next time you change accounts. Start with our list of the best checking accounts, then read the bank’s ATM page before you open one.
Chase Total Checking is on that list, and Chase confirms phone access at its own ATMs. Here is its current offer for new customers. Our Chase Bank promotions page covers the rest.
Chase Total Checking
Cardless ATM access with Apple PayChase says its ATMs with the cardless symbol take a Chase debit card in Apple Pay, Google Wallet or Samsung Wallet. New checking customers get $400 after direct deposits totaling $1,000 or more within 90 days.
Offer expires 01/27/2027. Not available to existing Chase checking customers, those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. One new checking account opening bonus every two years. $0 Monthly Service Fee with any one of: $500+ in qualifying electronic deposits, a $1,500 balance at the beginning of each day, a $5,000 average beginning day balance across linked qualifying accounts, or a linked qualifying checking account. Otherwise a $15 Monthly Service Fee applies. Account subject to approval. JPMorgan Chase Bank, N.A. Member FDIC.
Is it safe to use Apple Pay at an ATM?
Yes. Apple says Apple Pay is designed to be more secure than using your physical card. It does not store your original card number when you add a card, and your phone will not send payment information until you authenticate with Face ID, Touch ID or your passcode. After that the ATM still asks for your PIN, so someone would need your unlocked phone and your PIN to get cash. Chase goes further and says a digital wallet transaction is more secure than using your card, because the wallet uses a secure token and no customer information is stored.
Your card also stays in your pocket, so there is nothing to leave behind in the machine. If you lose your phone, Apple says putting it in Lost Mode with Find My suspends Apple Pay, and Bank of America says you can lock or delete your digital cards in online banking. The usual ATM habits still apply. Cover the keypad when you type your PIN and pick a machine in a well-lit spot. For the bigger picture, see our guide on whether online banking is safe.
Apple Pay ATM FAQ
Yes. Chase ATMs that show the cardless symbol accept a Chase debit card in Apple Pay, Google Wallet or Samsung Wallet. Tap your phone on the symbol, then enter your ATM PIN. Credit cards and ATM-only cards are not eligible. If you do not bank with Chase yet, Chase Total Checking pays new customers $400 after $1,000 in direct deposits within 90 days.
Yes, if the ATM has the contactless symbol and your bank supports it. Add your bank’s debit card to Apple Wallet, hold your iPhone or Apple Watch near the symbol and enter your PIN. It usually has to be an ATM owned by your own bank.
Chase, Bank of America, Wells Fargo, PNC and Truist all say their ATMs accept a debit card in a digital wallet. Bank of America and PNC say it works at all of their ATMs, Wells Fargo says any Wells Fargo ATM, Chase says ATMs with the cardless symbol, and Truist says many of its ATMs. Each bank only promises it for its own debit cards.
Yes. Wells Fargo says you can add your Wells Fargo debit card to a digital wallet, tap it near the contactless symbol at any Wells Fargo ATM and enter your PIN. Some ATMs in secure locations still need a physical card to get in the door.
Yes. Bank of America says all of its ATMs have a contactless reader. Select your Bank of America debit card in your digital wallet, hold your phone over the contactless symbol and enter your debit card PIN when asked.
No. Apple Cash cannot be used for ATM withdrawals. Transfer the money to your bank account for free in 1 to 3 business days, or use Instant Transfer to an eligible debit card for a 1.7% fee with a $0.25 minimum and a $25 maximum. Then withdraw it from your bank like any other money.
Yes. Chase, Bank of America, Wells Fargo and Truist all say you enter your debit card PIN after you tap. Face ID or Touch ID only unlocks the card in your Wallet.
The fee depends on whose ATM it is, not on the tap. At your own bank’s ATM a withdrawal is normally free. At another bank’s ATM you can be charged by the ATM’s owner and by your own bank, the same as with a card.
