The convenience of ATMs is reaching new heights nowadays.
For sure, they all let you withdraw cash from your bank cards—that's their main purpose, but an increasing number of them are equipped with a technology known as Near Field Communication (NFC) that lets you withdraw funds from mobile wallets like Apple Pay without having to use a physical card.
Apple Pay supports "contactless" or let me say cardless ATM withdrawals, and if you're looking for these ATMs nearby, this guide compiles the steps you need to locate Apple Pay ATMs near you.
What are Apple Pay ATMs?
Apple Pay doesn't operate ATMs on its own, and it was literally impossible to withdraw cash from ATMs with just your Apple Wallet.
However, nowadays, there's an advanced banking solution known as contactless or cardless ATM withdrawals, which uses a technology known as NFC (as defined earlier above) that lets you withdraw cash from ATMs without having to use a physical card.
Have you ever made a payment with Apple Pay at a store that supports the wallet? It must not be a store—it can also be a restaurant or a gas station. Well, if you have, you know how that works, right? You place your iPhone a few inches over a reader to scan the code. The technology used there is what we call NFC, and it is just what Apple Pay uses at ATMs that support the wallet.
So, simply put, Apple Pay ATMs are just ATMs that use an advanced banking technology to allow you to withdraw cash from your Wallet without having to use your card.
How to Find Apple Pay ATMs Near Me
Since Apple Pay doesn't operate an ATM on its own, the fact is you won't see an ATM with Apple Pay's logo on it. Instead, you should be looking out for ATMs with the contactless symbol, just as shown in the image below.
There's one easy way to find Apple Pay ATMs nearby on your iOS device, and that's through Apple Maps. You'll just have to search for nearby ATMs while using the filters "contactless", "cardless", or "Apple Pay".
Putting this down into simple steps, here's how you can find nearby Apple Pay ATMs:
- Open the Maps app on your iPhone or iPad.
- Enter "Apple Pay ATMs" in the search bar.
- The map will now display ATMs that support Apple Pay in your area.
- Navigate through the map to find an ideal ATM location.
- Once you're sure about your choice, click on the location to get more info on how to get there.
Apple Pay is supported by many banks in most regions, and if your bank offers cardless ATMs, you should be able to use Apple Pay at their ATM locations as well.
In the US, for example, Bank of America, Chase, and Wells Fargo are just some major banks that have a good number of contactless ATMs throughout the country that all work with Apple Pay.
I came across a Reddit thread and was even amazed by what was said by a user. Apparently, most ATMs in Europe have the contactless withdrawal technology equipped, and you should be able to withdraw funds at their locations through your Apple Wallet even if the card linked wasn't issued by the bank that owns the ATM.
I think that's the case with most US bank contactless ATMs as well, but they aren't as widely spread as these ATMs in Europe.
What Bank ATMs Accept Apple Pay Withdrawals?
As earlier mentioned, Apple Pay partners with most banks not only in the US, but in other regions as well—and this partnership also gives customers the possibility to withdraw cash from ATMs through the contactless technology.
While I can't provide you with a complete list, here are some banks with ATMs that offer cardless Apple Pay withdrawals:
- Ally Financial
- American Express
- Ameriprise
- Ameris Bancorp
- Bank of America
- Bank of Hawaii
- BBVA
- BMO Harris Bank
- BNP Paribas / Bank of the West
- Cathay Bank
- CIT Group
- Citibank
- City National Bank
- Comerica
- Commerce Bancshares
- Credit Suisse
- Discover Financial
- East-West Bank
- E.B. Acquisition Company II LLC
- Fifth Third Bank
- First-Citizens Bancshares
- First Hawaiian Bank
- First Horizon National Corporation
- First Midwest Bank
- First National of Nebraska
- FNB Corporation
- Fulton Financial Corporation
- Glacier Bancorp, Inc
- Goldman Sachs
- Hancock Whitney
- HSBC Bank USA
- John Deere Capital Corporation
- JPMorgan Chase
- KeyCorp
- M&T Bank
- MUFG Union Bank
- New York Community Bank
- Northern Trust
- Old National Bank
- Pacific Premier Bancorp Inc.
- PacWest Bancorp
- PNC Financial Services
- Popular, Inc.
- Prosperity Bancshares
- Raymond James Financial
- RBC Bank
- Regions Financial Corporation
- Santander Bank
- State Farm
- State Street Corporation
- Sterling Bancorp
- Stifel
- SVB Financial Group
- Synovus
- TD Bank
- The Bank of New York Mellon
- TIAA
- Truist Financial
- U.S. Bancorp
- UBS
- Valley National Bank
- Washington Federal
Are Apple Pay ATMs Free?
Apple Pay doesn't charge fees for withdrawing funds at an ATM, but both the ATM provider and the issuer of the card or bank linked to your Wallet can charge you fees for this service.
Such an advanced technology typically comes at a cost, which is why you are being charged a fee for the service.
Final Thoughts
Before, it wasn't easy to find Apple Pay ATMs, not only because the digital wallet doesn't operate any ATM on its own, but because most ATMs didn't have the required equipment (NFC technology) to support the Wallet.
However, thanks to banking advancements, you can now withdraw cash from Apple Pay through contactless ATMs that are available all around the globe (assuming Apple Pay is supported in that region).
This guide compiles the steps you need to locate Apple Pay ATMs near you so you can leverage the convenience of the contactless withdrawal.