Do ATMs Take Apple Pay? Step-by-Step Guide

Apple Pay

Picture this: you’re out and about, craving a quick snack or in need of some money. With the convenience of contactless withdrawals, you can now easily access cash from an ATM machine without any physical contact. You reach for your iPhone, thinking about using Apple Pay to make a contactless withdrawal from the atm machine. But then a question pops into your mind: do ATMs accept Apple Pay for debit card cash withdrawals from banks? Well, look no further because I’ve got the wise answer for you. In these phone days, saving money is important.

Apple Pay has revolutionized the way we make payments, offering a secure and convenient method to complete transactions with just a tap using a debit card. It has transformed the banking industry by providing a hassle-free way to manage money and access accounts. By using Near Field Communication (NFC) technology, Apple Pay allows you to make contactless payments using your debit card, iPhone, iPad, Apple Watch, or Mac. With Apple Pay, you can access money and make transactions without the need for a physical card through cardless cash and cardless ATM access. Simply add your credit or debit cards, including apple cash, to the Wallet app and authenticate cardless cash payments with Touch ID or Face ID for cardless atm access.

Apple Pay

How to set up Apple Pay on your iPhone, iPad, Apple Watch or Mac?

Setting up Apple Pay on your devices is a breeze, whether you want to use your debit card or enjoy the convenience of cardless ATM access. With Apple Pay, you can securely and easily manage your money while also taking advantage of bonus features. Whether you have an iPhone, iPad, Apple Watch, or Mac, you can easily add your cards and start using Apple Pay to withdraw money from cardless ATMs and earn bonus rewards within days. Let’s go through the step-by-step process for checking the physical Apple Card and setting up Apple Cash on your device in a few days.

On Your iPhone

To set up Apple Pay on your iPhone:

  1. Open the Settings app.

  2. Scroll down and tap on “Wallet & Apple Pay.”

  3. Tap “Add Card” and follow the prompts to add your card details for a cardless ATM transaction. Use Apple Cash to conveniently transfer money and receive a bonus.

Once you’ve added your cardless ATM card from Chase to your checking account, it will be verified by Chase, your bank or card issuer, to unlock the bonus. After verification, you’re ready to use Apple Pay for contactless payments at supported retailers, including cardless ATMs. Make sure to check your account for any bonus offers from Chase before making your purchase.

On Your iPad

If you own an iPad and want to set up Apple Pay, you can also enjoy the convenience of using a cardless ATM. With Chase’s checking account, you can not only take advantage of the bonus offers but also access your money without needing a physical card.

  1. Open the Settings app.

  2. Scroll down and tap on “Wallet & Apple Pay.”

  3. Tap “Add Card” and enter your card information when prompted to set up your Chase checking account and access the cardless ATM bonus.

Similar to setting up on an iPhone, once your card is added and verified, you can start making secure payments using Apple Pay on your iPad. Additionally, you can conveniently withdraw cash from an ATM using your cardless checking account and earn a bonus for doing so.

On Your Apple Watch

Setting up Apple Pay on your cardless, bonus checking account is quick and easy with your trusty wrist companion. You can conveniently make purchases at the atm without the need for a physical card.

  1. Open the Watch app on your paired iPhone.

  2. Go to the My Watch tab.

  3. Tap “Wallet & Apple Pay.”

  4. Select “Add Card” and follow the instructions provided.

By adding your card to Wallet & Apple Pay on your paired iPhone, you can easily make cardless payments at an atm. Your card will automatically sync with your Apple Watch, allowing you to make seamless transactions without reaching for your phone. Plus, you may even qualify for a bonus when you open a checking account.

On Your Mac

If you prefer using Apple Pay on your Mac computer, you can also conveniently access your Chase checking account and withdraw cash from a Chase ATM. Plus, when you open a new Chase checking account, you may be eligible for a bonus.

  1. Go to System Preferences (accessible from the  menu).

  2. Click on “Wallet & Apple Pay.”

  3. Select “Add Card” and follow the instructions provided.

Once you’ve added your card to your checking account, you’ll be able to use Apple Pay for online purchases on websites that support this cardless payment method. This includes using Apple Pay at participating ATMs to withdraw cash and earn bonus rewards.

Setting up Apple Pay on your devices not only enables you to make convenient and secure cardless payments, but also provides an additional layer of privacy as your Chase checking card details are never shared with merchants. Plus, you may even qualify for a bonus when you use Apple Pay with your Chase card. With just a few simple steps, you can enjoy the benefits of cardless payments using Apple Pay for your Chase checking account and earn a bonus wherever it’s accepted.

Where can you use Apple Pay to make purchases?

Apple Pay has become an increasingly popular method of payment, allowing users to make purchases quickly and securely with just a tap of their cardless device. With Apple Pay, users can also enjoy the added bonus of checking their transactions easily. If you’re wondering where you can use Apple Pay, the good news is that it’s widely accepted at millions of locations worldwide that support contactless payments, including Chase cardless checking with bonus.

Major retailers have embraced Apple Pay, making it convenient for users to pay for their purchases with their cardless checking accounts. Additionally, some retailers are offering bonus rewards for using Apple Pay. Whether you’re grabbing your morning coffee at Starbucks, enjoying a meal at McDonald’s, picking up essentials at Walgreens, or shopping for groceries at Whole Foods, you’ll find that these establishments are on board with accepting Apple Pay. With Apple Pay, you can conveniently make secure payments using your Chase cardless checking account and earn bonus rewards.

But it’s not just physical stores that accept Apple Pay, you can also use it to receive bonus rewards. Many online stores also offer the option to pay through their apps or websites, with the added bonus of being able to use this payment method. So whether you’re shopping for clothes, electronics, or even ordering food delivery online, there’s a good chance that you’ll be able to complete your purchase using Apple Pay.

To identify whether a store accepts Apple Pay as a payment method, keep an eye out for the contactless payment symbol or the “Apple Pay accepted here” logo when checking out. This will let you know that your iPhone or other compatible devices can be used to complete the transaction seamlessly.

Using Apple Pay comes with several advantages. Firstly, it eliminates the need to carry around physical credit or debit cards since all your card information is stored securely on your device. Secondly, transactions made with Apple Pay are encrypted and require authentication such as Face ID or Touch ID, adding an extra layer of security.

Another perk of using Apple Pay is its ease of use. With supported devices like iPhones featuring the Home button (or newer models without buttons), making a payment is as simple as holding your device near the contactless reader while authenticating with Face ID or Touch ID. No need to fumble around for your physical card; everything is conveniently accessible from your device.

Can you use Apple Pay at ATMs to withdraw cash?

No direct cash withdrawals from ATMs using Apple Pay

Currently, it is not possible to directly withdraw cash from ATMs using only an iPhone or other compatible devices with just the NFC feature enabled. While Apple Pay allows for contactless payments at various merchants, including stores and online platforms, it does not support contactless withdrawals from ATMs.

The need for additional hardware support

To withdraw cash from an ATM, you typically need a physical card issued by your bank. This card contains the necessary information to authenticate your account and authorize the transaction. While some ATMs offer cardless options that allow users to initiate withdrawals using their smartphones, these methods usually require additional steps or hardware support beyond just NFC capabilities.

Cardless ATM access: How it works

Some banks and ATM operators provide cardless ATM access through their mobile banking apps. With this feature, users can generate a one-time code on their smartphone and enter it into the ATM along with their PIN to complete a withdrawal. Although this method doesn’t involve physically inserting a card into the machine, it still requires interaction with the ATM itself.

Direct deposits as an alternative

If you prefer not to carry physical cards or use mobile payment methods for withdrawing cash at ATMs, another option is to set up direct deposit with your bank. Direct deposit allows funds such as paychecks or government benefits to be deposited directly into your bank account without the need for physical checks or cards. Once the funds are in your account, you can then make cash withdrawals at any compatible ATM.

Limitations across major banks

It’s important to note that while some banks may offer cardless cash withdrawals through their mobile apps, this feature might not be available across all financial institutions. The availability of cardless ATM access varies depending on each bank’s policies and technological capabilities.

Benefits and drawbacks of using Apple Pay


Using Apple Pay offers several advantages that make it a convenient and secure way to make payments.

  1. Convenience: With Apple Pay, you can leave your physical cards at home and make payments using just your iPhone or Apple Watch. This means no more fumbling through your wallet or purse to find the right card. It’s like having a digital wallet in your pocket!

  2. Secure Transactions: Apple Pay utilizes unique device account numbers for each transaction, ensuring that your actual card details are never shared with merchants. Transactions require biometric authentication such as Touch ID or Face ID, adding an extra layer of security.

  3. Faster Checkout Process: Gone are the days of waiting in line and swiping cards. With Apple Pay, you can simply hold your device near the contactless payment terminal and authenticate the transaction with a quick touch or glance. It’s a breeze compared to traditional payment methods.

  4. Multiple Card Storage: Tired of carrying around multiple cards? Apple Pay allows you to store multiple credit or debit cards in one place for easy access. Whether it’s your personal card, business card, or even a gift card, they can all be securely stored on your device.


While there are numerous benefits to using Apple Pay, it’s essential to consider some potential drawbacks as well.

  1. Limited Availability: While many retailers now accept contactless payments, there may still be smaller businesses or establishments that do not support this technology yet. So it’s always good to have a backup option like carrying physical cards when venturing into less tech-savvy areas.

  2. Device and Merchant Compatibility: To use Apple Pay, you need compatible devices like an iPhone or Apple Watch and merchants who accept this form of payment. While its acceptance is growing rapidly, there might still be instances where you encounter a merchant that doesn’t support Apple Pay.

  3. Connectivity and Compatibility Issues: Occasionally, you might face connectivity issues or encounter situations where your device is not compatible with the payment terminal. This can be frustrating when you’re in a rush to make a payment.

  4. Privacy and Data Security Concerns: Some individuals may have reservations about the privacy and security of their personal information when using Apple Pay. While Apple has implemented robust security measures, it’s always important to stay vigilant and monitor your transactions for any unauthorized activity.

Tips and tricks to get the most out of Apple Pay

Add Loyalty Cards, Boarding Passes, and Event Tickets to the Wallet App

The Wallet app is not just for storing your payment cards. You can also add loyalty cards, boarding passes, and event tickets for quick and easy access. No more fumbling through your wallet or digging through emails to find that important ticket. Just open the Wallet app on your iPhone, and everything you need will be right there at your fingertips.

Use Apple Pay Cash to Send Money Easily

With Apple Pay Cash, you can send money directly from your iPhone to friends or family members. No more dealing with cash or writing checks. Simply open the Messages app, select the person you want to send money to, enter the amount, and tap send. It’s a quick and convenient way to split bills or pay someone back.

Enable “Double-Click Home Button” for Faster Access

If you have an iPhone with Touch ID (the home button that doubles as a fingerprint sensor), you can enable the “Double-Click Home Button” feature for faster access to Apple Pay. Once enabled, simply double-click the home button when your device is locked or on the home screen, and Apple Pay will open instantly. It’s like having a shortcut right at your fingertips.

Keep Your Device Updated with the Latest iOS Version

To ensure optimal security features and functionality with Apple Pay, it’s essential to keep your device updated with the latest iOS version. Regular updates often include bug fixes and security patches that help protect against potential vulnerabilities. So make sure you stay up-to-date by checking for software updates regularly in your device settings.

By following these tips and tricks, you can make the most out of using Apple Pay on your iPhone. Whether it’s adding loyalty cards for easy access in the Wallet app or sending money conveniently through Apple Pay Cash, these features enhance the overall experience of using Apple Pay. And don’t forget to enable the “Double-Click Home Button” feature for faster access and keep your device updated to ensure security.

So, go ahead and take advantage of all that Apple Pay has to offer. It’s a convenient and secure way to make payments, manage loyalty cards, and even send money to friends and family. With these tips in mind, you’ll be an Apple Pay pro in no time!


Now that you know how to set up Apple Pay on your iPhone, iPad, Apple Watch, or Mac and where you can use it to make purchases, let’s address the burning question: Can you use Apple Pay at ATMs to withdraw cash? Unfortunately, the answer is no. While Apple Pay is widely accepted at various retailers and online platforms, it cannot be used directly at ATMs. However, don’t let that discourage you from enjoying the convenience and security of Apple Pay for your everyday transactions.

In conclusion, Apple Pay offers a seamless and secure way to make payments using your Apple devices. With its easy setup process and wide acceptance among merchants, it has become a popular choice for many users. By leveraging the power of near-field communication (NFC) technology and tokenization, Apple Pay ensures that your financial information remains protected during transactions.


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By Kane Wilson

Kane Wilson, founder of this news website, is a seasoned news editor renowned for his analytical skills and meticulous approach to storytelling. His journey in journalism began as a local reporter, and he quickly climbed the ranks due to his talent for unearthing compelling stories. Kane completed his Master’s degree in Media Studies from Northwestern University and spent several years in broadcast journalism prior to co-founding this platform. His dedication to delivering unbiased news and ability to present complex issues in an easily digestible format make him an influential voice in the industry.

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