Does Atms Take Apple Pay?

Apple Pay is Apple’s mobile payment system that allows users to make payments in stores, apps or on websites using their iPhone, iPad, Apple Watch or Mac. But can Apple Pay be used at ATMs (Automated Teller Machines) to withdraw cash? Let’s take a closer look at what Apple Pay is, how ATMs work, and whether ATMs accept Apple Pay.

Does Atms Take Apple Pay?

What is Apple Pay?

Apple Pay is a mobile payment and digital wallet service by Apple. It allows users to safely store their credit, debit and prepaid card information in the Wallet app on iPhone, iPad or Apple Watch. Users can then use their device to make payments in stores, in apps or on the web wherever Apple Pay is accepted without having to present their physical card.

To use Apple Pay, users simply hold their device near a contactless payment terminal with their finger on Touch ID. On Apple Watch, double-clicking the side button is used instead of Touch ID. Apple Pay uses NFC (Near Field Communication) technology to securely communicate with the payment terminal and authorize payment using a one-time unique dynamic security code.

How do ATMs work?

ATMs (Automated Teller Machines) allow bank customers to perform basic banking transactions like cash withdrawals, deposits, transfer funds or check account balances without having to visit a branch. To withdraw cash, the user inserts their ATM, debit or credit card into the machine and enters their unique PIN number. The ATM then connects to an interbank network to verify your credentials and dispenses cash if authorized.

The cards used for ATMs contain key user data in their magnetic stripe like the card number, expiration date and security code. The machine reads this data to identify and authenticate you. The PIN adds an additional layer of security. As such, ATMs rely on physically inserted cards and do not have NFC support for contactless payments.

Can You Use Apple Pay at an ATM?

Since ATMs rely on physically inserted cards with magnetic stripes and PIN codes, Apple Pay is not accepted at ATMs for cash withdrawals directly. So you cannot tap your iPhone, Apple Watch or other device on an ATM machine to withdraw money as you would at a store.

However, some banks do provide Apple Pay cash withdrawal service through select ATMs. But instead of tapping your device, you request cash through your bank’s mobile app which is linked to Apple Pay. The app generates a one-time barcode that you scan at the ATM to take out money. This allows cash withdrawals without inserting your physical ATM/debit card.

Examples of banks with this feature include Bank of America, Wells Fargo, Chase, HSBC, TD Bank and more. Support varies across banks and ATM models. Check your financial institution’s app and website for availability.

Tips for Using Apple Pay

Here are some tips to use Apple Pay securely and effectively:

  • Add eligible credit, debit or prepaid cards to the Wallet app. Make sure your issuing bank supports Apple Pay.
  • Double click the Home or side button on supported devices when making payments. Authorize payments with Touch ID or Face ID.
  • View recent transactions and card information in the Wallet app under Activity. Monitor for unauthorized charges.
  • If your device is lost or stolen, use Find My on to suspend or remove ability to pay with that device.
  • Keep contactless payments under payment reader area for a few seconds for transaction to process. Wait for vibrational or visual confirmation.
  • For extra security, enable two-factor authentication for your Apple ID account to help prevent unauthorized access.

Key Takeaways

  • Apple Pay allows secure, contactless mobile payments but is not directly accepted at ATMs. You cannot tap your iPhone to withdraw cash from ATMs.
  • Some banks provide Apple Pay cash withdrawals through ATMs via scanning a barcode in their app. Check bank’s website or app for availability.
  • To use Apple Pay, add eligible cards to Wallet app and double click Home or side button on iPhone, Apple Watch or iPad when making payments.
  • Monitor Wallet app activity for unauthorized charges. Suspend ability to pay if device is lost or stolen.
  • Use two-factor authentication on your Apple ID for extra security.


While Apple Pay provides an easy and secure way to make payments using your mobile device, it cannot directly replace physical ATM cards due to differences in how card data is transmitted. But some banks do facilitate Apple Pay cash withdrawals from supported ATMs using barcode authentication from an app. Reach out to your financial institution to find out if they offer any Apple Pay ATM integration or contactless cash withdrawal services.

Hopefully this gives you a better understanding of Apple Pay, how ATMs work and whether they accept this form of mobile payment. Let me know if you have any other questions!

Frequently Asked Questions:

  1. Can I use Apple Pay on regular ATMs?
    No, regular ATMs do not support contactless payments using Apple Pay. ATMs require physical debit/credit cards with magnetic stripes and PIN codes to authenticate and dispense cash.

  2. What banks offer Apple Pay ATM withdrawals?
    Some examples include major banks like Bank of America, Wells Fargo, Chase, HSBC and TD Bank. Check your bank’s mobile app or website to find out if they support cash withdrawals using Apple Pay.

  3. How do I take out money from an ATM using Apple Pay?
    Instead of tapping your iPhone, open your bank’s mobile app, select Apple Pay withdrawal, scan the generated barcode at the ATM and follow prompts to receive cash.

  4. Is using Apple Pay at an ATM secure?
    Apple Pay cash withdrawals from ATMs that involve barcode authentication are generally secure. Make sure to only scan barcodes generated in your official bank app. Monitor your account activity regularly as well.

  5. Can I make deposits at an ATM with Apple Pay?
    No, ATMs do not support Apple Pay for making deposits or transferring funds either since they require physical cash/checks for deposits.

  6. What card information does Apple Pay store?
    Apple Pay saves an encrypted version of your card number, expiration date and security code on your device to create a digital token unique to your device. Your actual card details are not stored on Apple servers.

  7. What devices can I use to withdraw cash using Apple Pay?
    If your bank supports it, you may be able to use latest iPhone, iPad or Apple Watch models to scan ATM barcodes for Apple Pay cash withdrawals after generating it in the bank app.

  8. Is there any transaction fee for using Apple Pay at an ATM?
    There are typically no fees for using Apple Pay at ATMs over and above regular cash withdrawal fees applicable to your account. Contact your bank to learn more about specific charges.

  9. Can I withdraw from ATMs abroad using Apple Pay?
    It depends on whether your bank offers Apple Pay international ATM withdrawal service. Some banks allow this when travelling overseas. Verify directly with your financial institution before travelling.

  10. Do I need an active internet connection to use Apple Pay at an ATM?
    Yes, you need an internet connection, via Wi-Fi or mobile data, to access your bank’s app and generate the Apple Pay barcode initially before scanning it to withdraw money from the ATM.

  11. Is there any limit on the amount I can withdraw using Apple Pay?
    Withdrawal limits are set by your bank just like regular ATM card withdrawals. There is typically no separate maximum for Apple Pay specifically but daily ATM withdrawal limits for your account would still apply.

  12. Can someone else use Apple Pay on my device to withdraw cash from an ATM?
    No, only you can authorize cash withdrawals using Apple Pay as your device needs your biometric authentication via Touch ID, Face ID or passcode to generate barcodes in your bank’s app to scan at the ATM.

  13. What should I do if my mobile device with Apple Pay gets stolen?
    Immediately suspend or remove ability to pay using that device via Find My app on Also contact your bank right away to disable linked cards and prevent fraudulent ATM withdrawals or other transactions.

  14. Do I need a bank account to be able to use Apple Pay?
    Yes, you need a credit, debit card or prepaid card from a participating bank to add to Apple Pay. It only works with issued payment cards and cannot directly function as a bank account.

  15. Where can I use Apple Pay besides ATMs?
    You can use Apple Pay in stores, apps and websites that accept contactless payments. It works with iPhone, iPad, Mac and Apple Watch models to make secure debit/credit transactions without presenting your physical card.

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