Filed Under: Apple Pay

Can You Use Apple Pay at ATM to Withdraw Money?


Written by Jack Lin

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Can You Use Apple Pay at ATM

Can you use Apple Pay at ATM and withdraw money? If so, can you use it with any ATM or only with specified ones? Please let me know. TIA” 

Digital wallets are becoming a norm thanks to contactless payment services. Apple Pay, Samsung Pay, and Google Pay are some of the best examples of such payment services.

Unlike other options, Apple has taken extra precautions to ensure that it is safe enough for banks to accept.

So, Can I Use Apple Pay at an ATM?

You are here because you want to know if I can use Apple Pay at ATM, aren’t you? There are many cardless ATM points that accept Apple Pay nowadays.

Large financial organizations, including Chase, Bank of America, and even Wells Fargo, are included. To find out if an ATM supports NFC, all you have to do is search for the contactless icon.

Wireless payment alternatives have historically been criticized for supposedly putting their customers at risk. It’s so simple to use; surely, it’s also simple to abuse. Unfortunately, that is not the case.

Companies of that size are willing to put their financial security at risk in order to purchase Apple products because they trust the company and its security features.

Besides, if you wonder, “can you get cash back with Apple Pay,” this guide will show you everything about Apple Pay and the steps to get it back with it.

NFC Makes Payments Securer

NFC Makes Payments Securer

Contactless systems are already popular, but NFC readers add an extra layer of security. So, that makes it more difficult for criminals to steal your banking information by skimming your ATM transactions.

Many automated teller machines (ATMs) now accept contactless payments. More importantly, some of them are solely operated contactless because of the widespread use of NFC-enabled smart devices.

That indicates that you may ditch your bulky wallet in favor of an Apple Watch or an iPhone. You can then use them instead to make purchases, withdraw cash, and perform different other tasks.

Also, if you are worried about how to get money back from Apple Pay if scammed, here we have provided many helpful tips to deal with this situation for you.

So, How to Use Apple Pay to Withdraw Money from an ATM?

Well, you know the answer to the question “can you use Apple Pay at ATM” now. And let’s learn how to use it for good.  

It’s as simple to use Apple Pay at an ATM as it is at a store. To use an NFC-enabled card at an ATM, just open your Wallet application on your iPhone.

After that, select the card that should be used. Then, hold the phone in close proximity to the ATM’s NFC symbol, and authenticate with Touch ID.

However, things can be somewhat complex if it is your first time. In this case, the first step you should take is to configure the app using the following steps.

  • First, you should open Apple Pay. This can be done easily by performing a double tap on the icon that represents Apple Pay.
  • Now, you will have to link a card to the respective Apple Pay account (wallet).
  • After that, you can see the configuration process on the screen of the device.
  • When the card is added successfully, you can start using the wallet. There are three methods to use Apple Pay.
    • Performing a double click on your iPhone’s side button.
    • Hold the iPhone closer to an NFC reader.
    • Use a preconfigured quick button through that lock screen itself.
  • To activate this option, you should open Settings and reach “Wallet and Apple Pay.”
  • Then, select the option called “Cards.” You will then see an option called “Allow Access When Locked.”
  • After that, you can toggle that bar on so it will become green.
Use Apple Pay to Withdraw Money from an ATM

In fact, you may add any number of cards to your Apple Wallet. However, only one card can be the default.

Do you have another card to use at an ATM than the one you usually use? If so, you should tap the default (standard) card when you open the Apple Pay app. That will bring up your card selection option. You can then find the card that should be used and tap it.

Then, you should confirm the action using the Face ID, Touch ID, or even the passcode. And that’s how to configure your Apple Pay account with a card.

So, How Can You Withdraw Money?

How Can You Withdraw Money

How can you use Apple Pay at ATM and withdraw money? Here’s the answer. The best method to withdraw money from an Apple Pay account is through a bank account.

Do you have Apple Pay Cash in hand? If so, you can deposit it into your regular bank account and then use an ATM to get cash. In some shops, you will find a cashback option as well.

So, you can use Apple Pay Cash and buy items. Convenience stores hardly ever offer this choice, though.

Transferring Funds to Apple Pay Cash is a Better Move

If possible, it’s preferable to simply transfer the funds in Apple Pay Cash to your local bank account.

Apple Pay Cash can also be used to buy Visa gift cards. Apple Pay can be combined with select gift cards.

A Visa gift card functions similarly to prepaid debit cards in pretty much all situations. What this implies is that it is possible to collect cash back at shops that support this feature.

A Visa gift card can be used at any ATM that accepts them; however, this service is not free. For your own peace of mind, it is best to deposit the funds directly into your bank account.

It is a better option rather than risking losing them on Visa gift cards, which are not infallible. Comparatively, it’s more of a walk in the park. If you ask for an opinion, opening a bank account is the way to go.

In Which ATMs Can You Use Apple Pay?

It’s not quite true that all ATMs will support NFC by 2022. It’s possible you’ve been unknowingly employing one for some time now.

Check for the icon that represents NFC contactless feature the next time you withdraw cash from an ATM. If you see this logo, you have discovered an ATM that accepts Apple Pay.

The implementation of cardless ATMs has been uneven across financial institutions. Major financial institutions, including Wells Fargo, Bank of America, and Chase, have already begun rolling out cardless ATMs. No other payment methods, not even Apple Pay on an iPhone, will work on these machines.

That said, card skimmers cannot be placed, which is a major motivation for this change. There can be a bank-specific application if you can’t locate an NFC-enabled ATM in your area.

Some Banks Have Apps to Support NFC Technology

Not all banks are comfortable with NFC technology, so they’ve developed their apps with exclusive safety measures. In case you are determined to give it a go.

Nevertheless, there are a few options. Banking giants like Wells Fargo, Bank of America, and Chase, support Apple Pay in plenty of locations.

So, if we are to create a list of banks that support Apple Pay, here it is.

  • Bank of America
  • Chace
  • Wells Fargo
  • Citibank

In Which ATMs Can’t You Use Apple Pay?

Can you use Apple Pay at ATM in any ATM? Not necessarily. In fact, there are some banks that don’t support Apple Pay. So, let’s go through this list.

  • City National Bank
  • Bank of Hawaii
  • First Farmers’ Bank & Trust
  • Fifth Third Bank
  • Plains Capital Bank
  • Home Street Bank
  • Wintrust
  • BBVA
  • BB&T Bank
  • PNC
  • Regions
  • HSBC

Those who wonder how you can use Apple Pay at ATM should remember the above list.

Frequently Asked Questions


Here’s a list of frequently asked questions about Apple Pay and withdrawing cash from it.

Does Apple Pay Support Any Cashback Offers?

Apple Pay Cash will only be accepted in a small number of stores that don’t often offer cash back.

Withdrawing cash from Apple Pay Cash requires moving the funds to bank profiles that are associated with Apple Pay. However, you may typically use cashback retailers with your credit, debit, or connected bank accounts.

Is It Possible to Use Apple Cash at Any Location?

In fact, Apple Cash can be considered a superb alternative for those who use Apple devices. You can use this option as if you use regular debit cards for online or in-store shopping tasks.

But the truth is that Apple Cash works solely as a virtual payment method. That necessarily means that Apple Cash doesn’t come with cashback options. Also, you cannot withdraw Apple Cash from any ATM.

However, there’s a way to convert your Apple Cash to actual money. Below is how to do it.

Converting Apple Cash to Physical Currency

First, you should open the Apple Wallet. Then, you should locate the respective card for Apple Cash. It usually comes in black color and has an Apple logo.

Check where the More choices button is located. A black color circle that has three white spots inside it.

There should be a tab called “Transfer to Bank,” which you will be able to select. The amount of cash you wish to send will be requested in a pop-up window.

Input the dollar amount of your transfer. Next, decide how quickly you’d like it done. Transferring funds can be done for free within 1–3 working days. If not, you can pay a charge for more expedited service.

Despite the name, instantaneous transfers might still take around 30 minutes. Just be patient. When money is in your account, you have the freedom to spend it in any way you like.


And that’s how I can use Apple Pay at ATM to withdraw money easily. If there are other concerns related to this matter, please keep us posted in the comments section. We will address them in a future post.


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