Can you use Apple Pay in ATMs?

Apple Pay¹ offers convenient on the go payments — but can you use Apple Pay at an ATM to make a cash withdrawal?

Read on for all you need to know about Apple Pay ATM withdrawal including what ATM takes Apple Pay here in the US, and how international withdrawals can work with Apple.

Can you withdraw money with Apple Pay in ATM machines?

Apple Pay is Apple’s contactless payment feature, which lets you add bank cards to your phone or other eligible device, to make mobile payments in person, online and in apps.

You may also be able to use Apple Pay at an ATM machine to make a cash withdrawal², if the ATM supports contactless — and therefore cardless — withdrawals.

To find an ATM that takes Apple Pay you’ll need to look out for the contactless symbol which will be displayed prominently on the ATM machine. If you see this you can usually make a withdrawal with a contactless card, or using a digital wallet like Apple Pay.

Which (US) banks let you use Apple Pay to withdraw money?

Some of the leading US banks have wide networks of cardless ATMs — including:

• Chase³
• Bank of America⁴
• Wells Fargo⁵

Other banks like Citibank and US Bank also have cardless ATMs, but this functionality might not yet cover their entire ATM network. Look for the contactless symbol on the ATM to see if a card-free withdrawal with Apple Pay is possible.

How can you withdraw money with Apple Pay?

So once you’ve found a cardless ATM which will let you make an Apple Pay withdrawal, what next?

While the exact steps you take may vary based on the ATM operator, the broad process is the same — and you’ll be guided throughout by on screen prompts if you get stuck. Here’s what to do:

Step 1. Double-click the home button to open Apple Pay — or if your phone is already unlocked, just tap Wallet and select the debit card you want to withdraw from

Step 2. Look for the contactless symbol on the ATM, and hold your phone nearby, keeping your finger on the home button

Step 3. Follow the prompts to enter your PIN on the ATM keypad

Step 4. Enter the amount you want to withdraw, following the on screen instructions

Step 5. Your money will be paid out

Not sure if contactless withdrawals with Apple Pay are right for you? Here are some pros and cons to consider:

Can you use Apple Pay in ATMs abroad?

You can use Apple Pay in any country which offers contactless payment technology. When it comes to using Apple Pay to make ATM withdrawals internationally, the key is finding contactless ATMs in your destination country.

Cardless ATMs are available internationally, but it’s still relatively new technology and hasn’t been rolled out everywhere yet.

European financial infrastructure company Six Group⁶, for example, states that in 2019 the number of global contactless ATMs went up by 26%, with further increases brought on subsequently due to the global pandemic.

To take one example, in Switzerland, in 2020 around 20% of all ATMs had contactless withdrawal options — a percentage which is likely to have risen since.

Assuming you can find cardless ATMs when you travel, you should be able to use Apple Pay to make cash withdrawals overseas as easily as you do at home.

How much will you be charged for using Apple Pay in a foreign ATM?

If you make a withdrawal internationally with Apple Pay, any fees your own card issuer, or the ATM operator applies will still need to be paid.

ATM operators may charge a range of fees — but these usually show up on the ATM screen when you’re processing the transaction so you can decide if they’re reasonable or not. The other charge which is common, and a bit more painful, is the foreign transaction fee often charged by credit and debit card issuers.

This is typically about 3%, but you’ll need to review your card terms and conditions to see exactly how it works for your specific card.

Finally, don’t forget extra fees may apply if you use Apple Pay with a credit card for a cash withdrawal. In this case, a cash advance fee is usually payable, which can push up costs significantly.

Where can you find ATMs that take Apple Pay?

To identify if an ATM will take Apple Pay — in the US or internationally — you’ll need to look out for the contactless symbol on the ATM itself. If this is visible, it probably means you’re good with Apple Pay to make a card free withdrawal. Simply follow the prompts on the ATM to get started.

Send money abroad using Apple Pay with Wise

If you need to send payments overseas, or you’re looking for a low fee way to make payments and contactless withdrawals internationally with Apple Pay, check out the Wise account.

Open a Wise personal account online for free, and for a fee get a Wise international debit card. It’s compatible with Apple Pay so it can be used for cardless international ATM withdrawals and mobile payments.

Wise accounts can hold and exchange 40+ currencies with the mid-market rate and low, transparent fees, which can cut the costs of spending or withdrawing money overseas.

And if you need to send money internationally and want to pay with Apple, Wise can help there too. Set up a Wise international payment online or in the Wise app, and pay using Apple Pay for convenient, fast and secure transfers to 160+ countries with the mid-market exchange rate.

Get a Wise account
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Add your debit card to Apple Pay and use your phone or other smart device to make cash withdrawals at contactless ATMs at home and around the world. It couldn’t be easier.