Can You Use Apple Pay at ATMs? Cash Withdrawal Policy Explained

Can You Use Apple Pay at an ATM?

In recent years, some large banks have begun incorporating near-field communication (NFC) into their ATMs. NFC is the technology that allows you to pay with your phone at various retailers, usings apps like Apple Pay and Android Pay.

If you see the NFC symbol on an ATM, you can likely use Apple Pay to withdraw money. Sometimes banks call this “cardless cash.” However, note that not every NFC ATM will necessarily allow you to use Apple Pay to make withdrawals; some cardless ATMs require you to use a proprietary, bank-branded app.

Below, we list the banks with ATMs that typically allow you to make cash withdrawals with Apple Pay. We reached out to representatives from multiple large and small banks to obtain this information.

ATMs That Allow You to Use Apple Pay

• Bank of America
• Chase Bank
• Citibank
• Wells Fargo

See our related research for the ATM withdrawal limits at these (and more) banks. For more information on getting cash back with Apple Pay, see our overview of the Apple Pay cash back policy.

ATMs That Don’t Allow Apple Pay Withdrawals

The following banks allow you to get cash at an ATM with your phone, but you must use the bank-branded app rather than Apple Pay:

• Bank of Hawaii
• City National Bank
• Fifth Third Bank
• First Farmers Bank & Trust
• HomeStreet Bank
• PlainsCapital Bank
• PNC
• Wintrust

The following banks do not allow cardless withdrawals with your phone:

• BB&T Bank
• BBVA
• HSBC
• Regions