Digital wallets are quickly becoming the go-to way to pay — and now, you can even withdraw cash from an ATM using Apple Pay or Google Pay. This contactless method is fast, secure, and eliminates the need to carry a physical debit card. Whether you’re out running errands or traveling, you can use your smartphone to get cash in seconds from supported ATMs nationwide.
How Apple Pay and Google Pay Work at ATMs
Apple Pay and Google Pay both rely on near-field communication (NFC) technology, which lets your phone communicate wirelessly with the ATM. If an ATM displays the contactless payment symbol, it’s compatible with these digital wallet transactions. Instead of inserting a card, you simply tap your phone against the reader and confirm the withdrawal through your banking app or wallet.
- Hold your iPhone or Android device near the ATM’s NFC reader.
- Authenticate with Face ID, fingerprint, or passcode.
- Follow on-screen prompts to choose your account and amount.
- Confirm the withdrawal and take your cash.
It’s that simple — and safer than carrying a plastic card.
Banks That Support Apple Pay and Google Pay Withdrawals
Many large banks have already integrated digital wallet functionality at thousands of ATM locations. Here are a few examples:
- Chase Bank: Use the Chase Mobile app with Apple Pay or Google Pay at Chase ATMs labeled “Cardless Access.”
- Wells Fargo: Most ATMs display the contactless symbol and work with digital wallets for both Android and iPhone users.
- Bank of America: ATMs equipped with NFC readers allow Apple Pay, Google Pay, and Samsung Pay withdrawals.
- Capital One: Supports contactless cash withdrawals through major wallet apps at select machines.
- US Bank: Enables mobile wallet withdrawals at many branches and partner ATMs.
According to NerdWallet, these cardless options are expanding rapidly across the U.S., and most top-tier banks now offer some level of mobile wallet compatibility at their ATMs.
How to Set Up Apple Pay or Google Pay for ATM Use
Before you can use your phone to get cash, make sure your bank card is properly linked to your digital wallet. Here’s how:
- Apple Pay: Open the Wallet app, tap the “+” icon, and follow the prompts to add your debit card. Verify with your bank if required.
- Google Pay: Open the Google Wallet app, tap “Add to Wallet,” choose “Payment card,” and scan or enter your card details.
- Check your bank’s app or website to confirm that it supports cardless or NFC-enabled ATM access.
Once your card is active in the wallet, you’re ready to withdraw money directly from supported ATMs.
Why Use a Digital Wallet at the ATM?
Using Apple Pay or Google Pay to withdraw cash isn’t just convenient — it’s also more secure. Each transaction uses tokenization, meaning your real card number isn’t transmitted to the ATM. Plus, there’s no physical card to skim or lose, and your phone’s biometric authentication adds another layer of protection.
- Reduces card theft and skimming risks.
- Speeds up the withdrawal process.
- Eliminates the need to carry a wallet.
- Provides a contactless, hygienic option.
Fees and Limits to Know
Cardless and mobile wallet withdrawals follow the same fee and limit rules as using your physical debit card. You may still be charged out-of-network ATM fees if the machine isn’t operated by your bank. To avoid extra charges, stick with in-network ATMs that display your bank’s logo or are listed inside your mobile app.
For a deeper look at how cash limits work, see our in-depth guide on withdrawing cash without a card — it explains how daily and per-transaction limits apply when using cardless methods.
Tips for Successful Wallet-Based Withdrawals
- Always update your Apple Pay or Google Pay app before travel.
- Turn on push notifications to confirm each withdrawal instantly.
- Use your bank’s ATM locator to find supported NFC machines.
- Keep your phone charged — it’s your access tool.
- Double-check that the ATM shows the contactless symbol.
Troubleshooting Common Issues
- ATM doesn’t respond: The NFC reader might be inactive — try a different ATM.
- Wallet error: Remove and re-add your card, or verify with your bank.
- Transaction declined: You may have reached your withdrawal limit or need to enable cardless access in your banking app.
Security Best Practices
While Apple Pay and Google Pay withdrawals are secure by design, it’s still smart to follow basic ATM safety rules. Use well-lit ATMs, avoid late-night withdrawals when possible, and never share your passcode or mobile device. For more safety advice, visit our ATM security guide for additional tips.
Final Thoughts
Apple Pay and Google Pay have made withdrawing cash faster, easier, and safer than ever before. As more banks and credit unions adopt cardless technology, it’s worth setting up your digital wallet now. That way, even if you forget your debit card, you’ll always have instant access to cash through your phone.