Can u use apple pay at an atm

More and more banks have started including NFC technology into their ATMs. So, to answer your question, yes, you can now use the digital wallet at ATMs.

Like most people, I don't like carrying a lot of money with me. Apple Pay has been my saving grace. I've been using it to withdraw cash since the first bank in my area adopted NFC. I've discussed how you too can use it to withdraw money below.

Let's get to it.

How Do I Withdraw Money From Apple Pay?

Apple strives to make things as easy for users as possible. That's why Apple Pay withdrawals are easy:

• Open the Wallet app on your device
• Choose the debit card you want to use
• Place your phone over the contact less symbol on the ATM
• Confirm wanting to use the card with your Touch ID
• Enter your ATM PIN into the machine

And voila!

Unfortunately, the number of banks that let you withdraw with Apple Pay are few and far between.

You'll know if you can use the digital wallet at an ATM if you see the NFC symbol on it - it looks like a sideways WiFi symbol.

The following banks have got you covered:

• Bank of America
• Chase Bank
• CitiBank
• Wells Fargo

If it's any consolation, there are a lot of banks that let you withdraw through their apps, instead of paying with your debit card. This makes up for not being able to use the digital wallet.

Some of them include:

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

Related Reading

Can I Use My Apple Card At An ATM?

Sadly, no. Apple cards have no cash advance or withdrawal features. Think of the cards as exclusively virtual credit cards.

Are There Any Drawbacks To Using Cardless Cash ATMs?

Cardless cash ATMs are useful. But like anything, there are a couple of drawbacks to using them:

• Probably the most obvious is that you can only use a select few ATMs. When I mean select few, I mean very few. If you live in a rural area, there possibly are no cardless ATMs near you. Don't get me started on the number of them that will let you use Apple pay in the first place
• Thieves would be more enticed to steal your iPhone or Apple watch if they notice you using the Apple Pay system to withdraw cash

Related Reading

FAQ

I've answered some popular questions below.

Why Was My Apple Pay Declined?

Being declined means that you have insufficient funds in your account. At the same time, though, the card you're using may have temporarily been locked or even blocked. Get in touch with your bank.

Why Isn't My Debit Card Working On Apple Pay?

Check Apple's System Status page. Is Apple Pay down? This problem almost always pops up when the digital wallet is down. There's nothing you can do other than call Apple and ask them when the issue will be solved.

Check out more smartphones

Final Thoughts

Using Apple Pay to withdraw money without carrying consumer debit cards is useful, however, not many banks let you withdraw from their ATMs through the digital wallet. If this is disappointing, know that this is true for Samsung Pay and Android Pay as well.

The ability to withdraw through the digital wallet is most popular in Australia, New Zealand, and the United States, but other countries have been making changes too.

Whether you're using Wells Fargo, Citibank, or Chase ATMs, you'll see Near Field Communication symbols plastered on the machines if you're able to use them.

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Paying with Apple Pay works in the same way as using the contactless functionality on your physical card.

For eligible ANZ Access card customers:

When you add your eligible ANZ Access card to Apple Pay with both a linked chequing account and a savings account, the card will be defaulted to ‘eftpos CHQ’ for payments with Apple Pay.

To change your default option on a compatible iPhone, open the Wallet app, tap on your ANZ Access card, then choose the new account.

To change your default option on a compatible Apple Watch, double-click the side button and select your ANZ Access card, tap and hold then select the new account.

Note: ANZ Access card with Apple Pay is currently not available for payments within apps, on the web with Safari or for use overseas.

For eligible ANZ Visa debit card customers:

When you add your compatible Visa debit card to Apple Pay, the card will be defaulted to the Visa network for payments with Apple Pay.

To change the payment network on a compatible iPhone, open the Wallet app, tap on your ANZ Visa debit card, then choose the network.

To change the payment network on a compatible Apple Watch, double-click the side button and select your ANZ Visa debit card, then firmly press the display and choose the network.

Note: If you have linked a second account to your ANZ Visa debit card, you will need to delete and re-add your card to your digital wallet. This will allow you to select which account you would like the funds to be debited from.

To update your ANZ Visa debit card on a compatible iPhone:

Step 1: Remove your ANZ Visa debit card from Apple Pay on your iPhone. Open Wallet, tap your ANZ Visa debit card, tap, then tap Remove Card.

Step 2: Add your ANZ Visa debit card back into Apple Pay on your iPhone. On iPhone, Open the Wallet app, tap the “+” sign in the upper-right corner and follow the prompts.

To update your ANZ Visa debit card on a compatible Apple Watch:

Step 1: Remove your ANZ Visa debit card from Apple Pay on your Apple Watch. Open the Watch app on your iPhone, go to the My Watch tab tap Wallet & Apple Pay, tap the card, then tap Remove Card.

Step 2: Add your ANZ Visa debit card back to Apple Pay on your Apple Watch. Open the Apple Watch app on your iPhone, tap “Wallet & Apple Pay” tap “Add Card” and follow the prompts.

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Question: Q: Use Apple Pay at atm

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