Wondering how to use Apple Pay at ATMs? You’re not alone. With the rise of contactless payments, many people are wondering how they can use their smartphones to pay for things like withdrawals from an ATM. Fortunately, it’s not as complicated as you might think.
In this blog post, we’ll walk you through the steps of using Apple Pay at ATMs so that you can get your cash without ever having to touch a card.
How Apple Pay Work with ATMs
When you add your debit or credit card to Apple Pay, the actual card numbers are not stored on your device, or on Apple servers. Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on your iPhone or iPad. Each transaction is authorized with a one-time unique dynamic security code.
When you use Apple Pay at an ATM, you’ll need to enter your PIN just like you would with your physical card. Your device will then generate a security code to be used for that specific transaction. This adds an extra layer of security to your transactions.
Banks that Let You Use Apple Pay to Withdraw Money
Most major banks in the United States now let their customers use Apple Pay to withdraw money from ATMs. Banks like Chase, Bank of America, Wells Fargo, and Citibank do support this form of withdrawal. This is a great feature for those who are looking for a more convenient way to access their cash.
One thing to keep in mind is that not all ATM machines are compatible with Apple Pay just yet. So if you’re having trouble finding a bank that supports this feature, simply call ahead or check online before making the trip.
How to Withdraw Money with Apple Pay at ATMs
So, after you’ve discovered a cardless ATM that accepts Apple Pay, what should you do? While the particular steps you follow may differ depending on the ATM operator, the overall procedure is the same — and if you get confused, you’ll be led along by on-screen instructions. Here’s what you should do:
- Open up the Wallet app on your iPhone and select your bank card.
- Look for the contactless icon on the ATM and keep your phone close by, with your finger on the home button.
- Follow the directions on the ATM keypad to enter your PIN.
- Enter the desired amount and follow the on-screen instructions.
- With that done, your money will be paid out.
Conclusion
Apple Pay is a convenient way to pay for things using your iPhone or Apple Watch. You can also use it to withdraw cash from ATMs, as long as the ATM supports it. To do so, just hold your device up to the card reader and enter your PIN. Withdrawing cash with Apple Pay is quick and easy, and you don’t even need your physical card with you. So next time you’re at an ATM, be sure to try out Apple Pay!
