The two reasons I prefer Apple Pay to other mobile wallet apps are
top-of-the-line security protocols and convenience.
Because not only do some cardless ATMs accept Apple Pay, but you can rest
assured your transactions are as safe as if you made them in a bank. Let’s
talk more.
Can You Use Apple Pay at ATMs? Yes, chances are you can use Apple Pay at an ATM. Just make sure you’re using a “cardless ATM,” which means the machine supports Apple Pay and other contactless payment options.
ATMs started accepting Apple Pay in 2015, only a year after its launch. Today, most high-profile companies support Apple Pay ATM money transfers, including Wells Fargo & Company, Chase, Bank of America, and more. Some ATMs are even exclusively cardless, meaning you can use your Apple Pay but not your classic debit cards to withdraw cash.
How to Use Apple Pay at ATMs?
To use Apple Pay at an ATM, follow these basic steps:
Open the wallet app and tap “Add a Card” or the “+” symbol.
Scan your debit card using your phone camera, then verify your identity via Touch ID or Face ID.
Set the debit card you wish to use at an ATM as the default one.
Touch the ATM’s Wi-Fi symbol with your iPhone or Apple Watch.
To add a debit card to your Apple Pay, open the app, and tap “Add a Card.” Scan your card when prompted, and your bank will send you instructions on how to complete the process. In most cases, you’ll only need to confirm that you’re the card owner via Touch ID or Face ID. Your bank might also send you a unique time-limited passcode. There’s no limit to how many debit cards you can add to your Apple Pay mobile wallet. However, only one will be set as your “default,” which will be the card your funds will be deducted from when you use an ATM.
Which ATMs Accept Apple Pay?
You can use your Apple Pay with almost all ATMs with a Wi-Fi symbol. Look for NFC-enabled ATMs. Near-Field Communication or “NFC” is a technology based on protocols used to establish a connection between two devices that are “near” each other. It’s a relatively broad topic, as not only ATMs use it – many gadgets utilize this tech, enabling you to exchange digital content, touch-activate electronic devices, and more.
You can quickly tell if you can use Apple Pay at a cardless ATM by simply looking at it. If you see a contactless (Wi-Fi) symbol on the ATM, in most cases, you can open the wallet app and use it. Although most cardless ATMs support Apple Pay services, not all of them do. It’s a case-by-case situation where certain banking institutions (mainly Apple partners) set out to implement support for Apple Pay on all of their ATMs while others are slowly joining in.
Is it Safe to Use Apple Pay at ATMs?
Using Apple Pay at ATMs is considerably safer than using any other form of digital money. This is mainly because of the “tokenization” process for shielding sensitive data, which relies on heavy encryption that is impossible to break.
The tokenization process is highly convoluted and advanced, so I’ll try to explain it in simple terms. The company transforms sensitive info into a series of random letters, numbers, and symbols to protect the data on your Apple Pay mobile wallet app. The only way to reveal this data is to pass numerous authentication checks.
Is it safer to go to your bank and withdraw money in person? Sure, but it can take hours of your precious time. Would it be safer to use a debit card? Not necessarily, as Apple Pay’s tokenization is on par with debit card tokenization, if not superior.
Why Should You Use Apple Pay at ATMs?
Withdrawing money from cardless ATMs is significantly quicker than filing money transfer forms or using a debit card. Security-wise, Apple Pay’s mobile payment processing system is advanced and engineered to protect your contactless transactions.
Imagine you forgot your “physical” wallet at work and need to get cash to buy groceries or gas for your car. The convenience of using Apple Pay at ATMs enables you to withdraw money in such a case, using the digital wallet in your iPhone or even Apple Watch.
FAQs About Apple Pay and ATMs
Since when do ATMs support Apple Pay?
Apple officially announced the Apple Pay mobile payment processing service would be compatible with select ATMs in 2015. Since then, thousands of ATMs across the United States, Europe, Africa, and certain parts of Asia have been updated to support Apple Pay.
Can you withdraw money with Apple Pay at ATMs?
Yes, Apple Pay allows ATM access. You can withdraw money if you’ve set up your Apple Pay mobile wallet for ATM transactions and are using cardless ATMs. If the ATM has a contactless symbol, it likely supports Apple Pay.
How to withdraw money from Apple Pay at ATM?
To cash out at an ATM using Apple Pay, you will first need to find a compatible ATM – one that supports contactless transactions and has the Apple Pay or contactless payment symbol. Then, add your bank’s debit card to your Apple Wallet. Open the Wallet app on your iPhone, tap the “+” symbol, and follow the on-screen instructions to add your card.
What are contactless ATMs?
Contactless ATMs allow users to perform transactions without physically touching the machine’s interface. Instead, these ATMs use Near Field Communication (NFC) or QR code technology to let users access their accounts and complete transactions with just a wave of their smartphone, smartwatch, or contactless card.
How to verify card for Apple Pay?
To verify your card for Apple Pay, open the Wallet app on your iPhone or iPad, tap the “+” button, scan your card or enter the card details manually, review and agree to the terms and conditions, and verify your card using the method provided by your bank or card issuer.
Can I Use My Apple Pay at an ATM?
Yes, you can use your Apple Pay at an ATM if it has the little Wi-Fi symbol. All contactless ATMs from Chase, Wells Fargo, and Bank of America accept Apple Pay. Setting it up is easy, and while not all ATMs globally support Apple Pay, the numbers are growing rapidly.
I hope this information helps you make the most of your Apple Pay experience at ATMs!
