Which ATMs Take Apple Pay?

In today’s digital age, mobile payment options have revolutionized the way we make transactions. Apple Pay, a popular mobile payment service, allows users to make purchases using their iPhone, iPad, or Apple Watch. While most people are familiar with using Apple Pay at retail stores and online platforms, a common question arises: which ATMs take Apple Pay? In this article, we will explore how Apple Pay works, its benefits when used at ATMs, and provide guidance on finding ATMs that accept this convenient payment method.

What is Apple Pay?

Apple Pay is a mobile payment and digital wallet service provided by Apple Inc. It allows users to store their credit, debit, and prepaid cards securely on their Apple devices and make payments using Near Field Communication (NFC) technology or through in-app purchases. With Apple Pay, users can make contactless payments by simply holding their device near a contactless reader or by using the device’s built-in fingerprint scanner or Face ID for authentication.

How Does Apple Pay Work?

When using Apple Pay, your card information is not stored on your device or Apple’s servers. Instead, a unique Device Account Number is assigned, encrypted, and securely stored in the device’s Secure Element chip. When you make a payment, the Device Account Number, along with a transaction-specific dynamic security code, is used to process the payment securely. This means that your actual card details are never shared with merchants, adding an extra layer of security to your transactions.

Benefits of Using Apple Pay at ATMs

Apple Pay offers several advantages when used at ATMs. Firstly, it provides a convenient and contactless payment method, eliminating the need to carry physical cards or cash. Additionally, Apple Pay transactions are often faster than traditional card-based transactions, allowing for a quicker and more seamless experience at the ATM. Moreover, as Apple Pay uses tokenization, which replaces sensitive card data with a unique token, it enhances security and reduces the risk of card skimming or fraud at ATMs.

Which ATMs Take Apple Pay?

While the acceptance of Apple Pay at ATMs is still growing, an increasing number of financial institutions and ATM networks are adopting this payment method. Major banks and credit unions are more likely to support Apple Pay at their ATMs. It’s important to check with your bank or financial institution to see if their ATMs are compatible with Apple Pay. Some popular banks that currently support Apple Pay at their ATMs include Bank of America, Wells Fargo, JPMorgan Chase, and Citibank. Most cardless ATMs of these banks have started supporting Apple Pay. You can also look for the NFC or contactless symbol on the ATM to check if it accepts Apple Pay.

which atms take apple pay

How to Find ATMs that Accept Apple Pay

If you’re looking for ATMs that accept Apple Pay, here are a few ways to find them:

  • Apple Maps: Apple Maps provides a built-in feature that allows users to search for ATMs and filter results based on whether they accept Apple Pay. Simply open Apple Maps on your device, search for ATMs, and select the filter option to display only those ATMs that support Apple Pay.
  • ATM Locator Apps: Many third-party apps specialize in helping users locate ATMs. These apps often include filters for Apple Pay compatibility. Examples of popular ATM locator apps include ATM Hunter, ATM Network, and Mastercard ATM Locator.
  • Contacting Your Bank: If you’re uncertain about whether your bank’s ATMs accept Apple Pay, it’s best to contact your bank directly. The bank’s customer service representatives can provide accurate and up-to-date information about their ATM network and Apple Pay compatibility.

Security Considerations

When using Apple Pay at ATMs, it’s important to take certain security considerations into account. Ensure that you always lock your device with a passcode or biometric authentication to prevent unauthorized access. Additionally, regularly monitor your bank statements and transaction history for any suspicious activity. If you lose your device or suspect fraudulent transactions, immediately contact your bank to report the incident and take appropriate action.


As mobile payments become increasingly popular, knowing which ATMs accept Apple Pay is valuable information for users seeking a seamless and secure banking experience. Apple Pay provides a convenient and secure way to make transactions at ATMs, reducing the need to carry physical cards and enhancing transaction speed. By leveraging tools like Apple Maps, ATM locator apps, and reaching out to your bank, you can easily find ATMs that support Apple Pay, ensuring a hassle-free banking experience.


Can I use Apple Pay at any ATM?

Not all ATMs accept Apple Pay. It’s best to check with your bank or financial institution to see if their ATMs are compatible with Apple Pay.

Are there any fees for using Apple Pay at ATMs?

Apple Pay itself does not charge any additional fees for using it at ATMs. However, your bank or financial institution may have their own fees or policies related to ATM transactions.

What if the ATM I’m using doesn’t support Apple Pay?

If the ATM you’re using doesn’t support Apple Pay, you can still use your physical debit or credit card to complete the transaction.

Is Apple Pay secure for ATM transactions?

Yes, Apple Pay provides enhanced security for ATM transactions. It uses tokenization and does not share your actual card details with merchants or ATMs, reducing the risk of fraud.

Can I withdraw cash using Apple Pay at an ATM?

Yes, you can use Apple Pay at ATMs to withdraw cash, provided the ATM supports this payment method. Ensure your debit card is linked to your Apple Pay wallet to enable cash withdrawals.

We hope you liked reading this article. For more, please visit Pay Apps Info.

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