Regardless of extremely useful reloadable cards and your favorite credit card, sometimes we wish to be free of the burden of carrying them around. In fact, cardless ATMs are not new since the COVID’19 era. Most of the contactless payment options are accepted by these ATMs but can you use Apple Pay at ATMs?
- Apple Pay is accepted at ATMS of different banks including Bank of America, Citibank, Wells Fargo, etc.
- You can withdraw cash here Opening your Apple Pay Wallet > Select Card > Tap on NFC sign > Provide PIN > Confirm Transaction.
- There are safety tips that you should use to avoid online frauds like guarding your account credentials and opting for two-step verification.
…and Much More!
Can You Use Apple Pay At ATMs?
We are all quite aware of how ATMs work for app or banks and how convenient they are. But, this new technology: cardless cash, has made withdrawing money totally effortless. You can now use your mobile wallet to acquire cash on different spots via ATMs.
- Banks that have introduced NFC technology into their ATMs are likely to allows Apple Pay cash withdrawal.
ATMs That Allow You To Use Apple Pay vs The Ones That Don’t
Although cardless ATMs is a great technology, it is not yet offered by all banks. To avail of this facility, the user needs to know which bank provides them with this convenience.
We have listed a few bank ATMs with their cash withdrawal limits that let you use Apple Pay.
- Citibank: Limit of $800 per day.
- Wells Fargo: Limit varies with the accounts
- Chase Bank: Limit varies for different accounts
- Bank of America: Limit of $1,000 a day.
Here are banks that don’t accept Apple Pay at ATMs. Note that a few of these banks do offer cardless cash just not through Apple Pay.
- Bank of Hawaii
- BB&T Bank
- City National Bank
- Fifth Third Bank
- First Farmers Bank & Trust
- HomeStreet Bank
- HSBC (Hong Kong and Shanghai Banking Corporation)
- Plains Capital Bank
You might be interested in reading: ATMs That Let You Overdraft.
How To Withdraw Money at Cardless ATMs with Apple Pay
As a lot of spots now offer Apple Pay at ATMs, it is best to know the easiest way to use this touchless cash opportunity.
You can follow the following steps to withdraw money here.
- Go to your Apple Pay Wallet and sign in.
- Choose the card you wish to use.
- Make a contactless motion with your phone by tapping it against the contactless sign.
- Enter the PIN for your card on the ATM keyboard.
- After that, the ATM will confirm your identification and complete your transaction.
Is It Safe To Use Apple Pay For Cardless Withdrawals?
Apple Pay itself is quite secure and easy to set up on your device but you can never be safe enough with transactions. Nonetheless, Apple Pay has taken a few measures that make the cardless cash process safe.
- A one-time verification code is sent for every transaction. This code expires after 30 minutes.
- A warning message with the code is also attached that reminds the user not to share the code or any other online banking details.
- You can keep track of all your transactions at all times through the Apple Pay app.
Although the ATMs are quite safe to use, no online banking is fraudproof. Be careful with all your banking credentials at all times.
The Bottom Line
Due to the pandemic, more people are now into touchless cash withdrawal. Fortunately, Apple Pay allows its users to get cash at ATMs.
Although cardless ATMS are super convenient and they let you access cash quickly, make sure all your online banking details are safe at all times.
Frequently Asked Questions
Is it possible to obtain cash with Apple Pay?
Yes, if you have the access to any cardless ATM that accepts Apple Pay, you can get cash as soon as possible. Look for the NFC symbol on the ATM.
Is Apple Pay available at Chase?
Chase recently announced that almost 16,000 Chase ATMs accept Apple Pay. Use this cardless process to get access to cash just through your phone.
Is Apple Pay accepted at ATMs?
Apple Pay is accepted at ATMs. Just hold your phone close to the NFC symbol then the bank sends you a one-time code that you enter in the machine to get access to cash.
What is the procedure for withdrawing funds from my virtual debit card?
ATMs do not accept Virtual Debit Cards for any sort of transaction.
Jamie Johnson is very enthusiastic Kansas City – based freelance writer, and her core expertise are finance and insurance. She has been endorsed on several personal finance, insurance & business website to share her thoughts. Her publications can be found on famous sites like Bankrate, The Balance, Business Insider, Chamber of Commerce and many others.
From many years, she served more than 10,000 hours of research and writing to more than 2000 articles related to personal finance, credit building, mortgages, and personal and student loans.