Learn how to use Apple Pay at ATMs for an easy, safe and convenient way of withdrawing money from your account.
ATMs provide a quick and easy way to access your money. An Automated Teller Machine (ATM) is a type of banking machine that allows you to do simple financial transactions. To use an ATM, you may require your physical debit or credit card as well as a personal identification number.
Some large banks have recently begun to provide card-free ATM access by implementing near-field communication (NFC) in their ATMs. This enables you to use ATMs without a card by utilizing NFC.
Apple Pay allows you to withdraw cash from your bank account at an ATM without having to slide your debit or credit card into a card reader. This post will explain how to do so. This feature is known as Cardless ATMs. Many big banks have cordless ATMs. You can get cash from a cordless ATM without having to use your physical card.
In this article, MacSecurity will teach you how to use Apple pay at ATMs so you can easily withdraw cash where ever you are.
Double-click the home button on your iPhone if it’s locked launch Apple Pay. If not, select Wallet and then select your debit card. Keep your finger on the home button while holding your iPhone close to the contactless reader icon on the ATM to activate Touch ID. On the keypad of the ATM, type in your PIN.
How to use Apple pay at ATMs
What exactly are card-free ATMs and how do they operate?
When you don’t have your card, a cardless ATM will give you a unique code that you can type into an ATM to withdraw cash. This is useful if you’re going for a run, going to the beach, going to an amusement park, or going somewhere else where you don’t want to carry a card. You can also give your code to friends or family members so they can withdraw money when you aren’t around.
How to use Apple Pay at an ATM
Take the following steps:
- First, confirm that the bank card has been added to the iPhone’s Wallet app.
- Launch the Wallet app. And then choose the debit card.
- Tap your iPhone on the ATM icon.
- Use Face ID or Touch ID to authenticate.
- If prompted, enter your ATM PIN code.
- Use an ATM to complete your transaction.
Which ATMs accept Apple Pay?
Several banks provide cordless ATMs where you can withdraw cash with Apple Pay without the requirement for a physical card. Among them are:
- America’s Chase Bank
- Wells Fargo
ATMs that don’t allow Apple Pay
Some of these banks may offer card-free ATMs but you may have to use their app.
- Bank of Hawaii
- City National Bank
- Fifth Third Bank
- First Farmers Bank & Trust
- HomeStreet Bank
- PlainsCapital Bank
- BB&T Bank
Advantages of Apple Pay
- Streamlined Payment
For purchases, you can keep your debit or credit card in the Apple Wallet. To use Apple Pay, simply place the phone near an NFC scanner and utilize the iPhone’s Touch ID to accept or make purchases. It’s as simple as that. Most establishments support Apple Pay, so you may no longer need to carry cash or credit cards.
- Secured Connection
Because you don’t require a real debit/credit card, the possibility of someone taking your card(s) or their information is lessened. Apple Pay does not use your credit card details to complete a transaction; instead, it uses a token known as a “device account number” to complete the transaction. This drastically reduces the possibility of information theft.
- It Can Be Used Offline
People appreciate the fact that making payments does not require an internet connection. You can use Apple Pay to make purchases even when you’re not connected to the internet, such as when your phone is in airplane mode.
- There are no additional or hidden fees.
Apple Pay deducts about 0.15 percent from each purchase, resulting in less money for the business. However, because Apple collaborated with major credit card providers and banks to provide a convenient experience for its consumers, there are no extra hidden or additional charges for using the app.
Apple does not track your purchases or store information, so you can pay with confidence. Additionally, using device account numbers rather than the credit/debit card or the number itself aids in the prevention of cyberattacks.
How Do I Withdraw Money from Apple Pay?
Withdrawing money from Apple Pay using your bank account is the best option.
You can withdraw money from an ATM if you have money in the form of Apple Pay Cash in your bank account. Apple Pay Cash can be used to purchase things with a cashback option at some stores.
Convenience stores, on the other hand, are uncommon in offering this choice.
If possible, simply transfer the money in your Apple Pay Cash wallet to your bank account. You may also use your Apple Pay Cash to buy a Visa gift card. Some gift cards are compatible with Apple Pay.
Visa gift cards can be used in the same way as any other prepaid debit card. This means you can use one to collect cashback at participating stores.
Visa gift cards can also be redeemed at approved ATMs for a fee. Because even Visa gift cards might be untrustworthy at times, it is far better to play it safe and transfer the money to a bank account.
In comparison, it is also a lot simpler. I would strongly advise you to get a bank account.
Can you use Apple Pay in ATMs abroad?
Any country that accepts contactless payments allows you to utilize Apple Pay. The secret to using Apple Pay to withdraw money from an ATM in another country is to locate contactless ATMs there.
Internationally, cardless ATMs are accessible, although the technology is still developing and hasn’t been widely adopted yet.
According to European financial infrastructure provider Six Group6, for instance, the number of contactless ATMs worldwide increased by 26% in 2019, with further rises spurred on by the global pandemic.
Here’s an example, in Switzerland in 2020, 20% of all ATMs offered contactless withdrawals, a number that has probably increased subsequently.
If you can locate cardless ATMs, you should be able to use Apple Pay to withdraw money internationally just as effortlessly as you can at home.
How much will you be charged for using Apple Pay in a foreign ATM?
Any costs imposed by the ATM operator or your own card issuer must still be paid if you withdraw money internationally using Apple Pay.
While ATM operators may impose a variety of fees, these often appear on the ATM screen as you execute the transaction so you can judge whether or not they are acceptable. The second, slightly more severe tax is the foreign transaction fee that credit and debit card issuers frequently impose.
This is normally around 3%, but to find out exactly how it functions with your particular card, you’ll need to study the terms and conditions of your card.
Remember that if you use Apple Pay with a credit card to make a cash withdrawal, additional fees may be charged. In this situation, a cash advance fee is typically due, which can dramatically increase costs.
Tips for Using Cardless Cash with Security
Two-step authentication and near-field communications (NFC) are two features that make using a cardless ATM safer than a standard one since they eliminate the potential of skimming devices. However, when acquiring cash, you should be cautious about how to protect your money.
- Keep your online banking information secure.
Never give out your internet banking password. People with your password could have access to your cardless cash details and make withdrawals without your knowledge.
- Keep an eye out for any strange transactions on your account.
Although banks take efforts to protect your information, a hack is always possible. Notify the bank immediately if you discover fraudulent withdrawals from your account using cardless cash.
Pros and Cons of using Apple Pay at ATMs
Here are some pros and cons of using Apple Pay at ATMs
|There’s no need to bring your card with you
Simple and quick to use
Safer than carrying large amounts of cash
|You must have a phone or other qualifying device
Not accessible at all ATMs
The ATM operator’s or your card’s additional costs still stand
How to use Apple pay at ATMs – FAQs
I’ve answered some frequently asked questions below.
Why Was My Apple Pay Authorization Rejected?
If you are refused, it signifies that you do not have enough money in your account. At the same moment, the card you’re using might have been temporarily locked or even blocked. Make contact with your bank.
Why isn’t my debit card recognized by Apple Pay?
Check the System Status page on Apple’s website. Is Apple Pay down? This issue usually often arises when the digital wallet is unavailable. There is nothing you can do except phone Apple and inquire when the problem will be resolved.
Can I get cashback by using Apple Pay?
Apple Pay Cash is only available at a limited number of outlets, most of which do not offer cashback.
If you want to withdraw Apple Pay Cash as cash, you must first transfer the funds to a bank account linked to your Apple Pay.
Your debit card, credit card, or linked bank account, on the other hand, can frequently be used at stores that pay cashback.
Is it possible to use my Apple Card at an ATM?
Unfortunately, no. Apple cards do not offer cash advances or withdrawals. Consider the cards to be entirely virtual credit cards.
Is There a Downside to Using Cardless Cash ATMs?
Cardless cash ATMs are convenient. However, as with anything, there are certain downsides to using them:
The most obvious limitation is that you can only use a limited number of ATMs. When I say “chosen few,” I mean “very few.” If you reside in a rural region, there may not be any cardless ATMs nearby. Don’t even get me started on the number of them that will allow you to use them. First and foremost, Apple Pay
Thieves will be more tempted to steal your iPhone or Apple Watch if they see you using the Apple Pay system to withdraw money.
How to use Apple pay at ATMs – Final Thoughts
While using Apple Pay to withdraw money without carrying consumer debit cards is convenient, not all banks allow you to withdraw money from ATMs using a digital wallet. If this is frustrating, keep in mind that it is also true for Samsung Pay and Android Pay.
Withdrawal through digital wallets is most common in Australia, New Zealand, and the United States, but other nations are following suit.
If you use Wells Fargo, Citibank, or Chase ATMs, you’ll notice Near Field Communication insignia on the machines if you’re able to use them.
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Hey there! I’m Chelsea and chief editor of macsecurity.org. I have always loved Apple products for its efficiency and performance. I love reviewing the latest Apple products and designing guides for old and new Apple users! And in my free time I love experimenting in the kitchen (though, it doesn’t work out 9/10 times)