How to Use Apple Pay at ATMs

How to Use Apple Pay at ATMs

Apple Pay has rapidly become one of the most popular mobile payment solutions since its introduction in 2014. With the growing acceptance of Apple Pay at various points of sale, it is not surprising that the contactless payment system is now finding its way into ATMs. This article will provide a comprehensive guide on how to use Apple Pay at ATMs, discuss its benefits, and provide an overview of its security features.

What is Apple Pay?

Apple Pay is a mobile payment and digital wallet service developed by Apple Inc. It allows users to make payments using their iPhone, iPad, Apple Watch, or Mac. By linking their credit or debit cards to the Wallet app on their devices, users can quickly and securely pay for goods and services in stores, online, or in apps. Apple Pay has been increasingly integrated into ATMs, enabling users to perform ATM transactions using their Apple devices.

How to Set Up Apple Pay on Your Device

Before you can use Apple Pay at an ATM, you will need to set up the service on your Apple device. Here are the steps to set up Apple Pay on your iPhone, iPad, or Apple Watch:

iPhone and iPad:

a. Open the Wallet app on your iPhone or iPad.

b. Tap the “+” symbol in the top right corner.

c. Follow the on-screen instructions to add your credit or debit card. You may need to enter the card details manually or use your device’s camera to scan the card information.

d. Verify your card by following the prompts. Depending on your bank, you may be asked to verify your identity via text message, email, or phone call.

e. Once your card is verified, tap “Next” to add it to your Wallet app.

Apple Watch:

a. Open the Apple Watch app on your iPhone.

b. Tap “My Watch” and then “Wallet & Apple Pay.”

c. Tap “Add Card” and follow the on-screen instructions to add your credit or debit card.

d. Verify your card as prompted.

e. Once verified, your card will be added to the Wallet app on your Apple Watch.

Using Apple Pay at ATMs

Not all ATMs support Apple Pay, so it is essential to look for ATMs with contactless payment capabilities. These ATMs usually display the contactless symbol or the Apple Pay logo. Here are the steps to use Apple Pay at an ATM:

Locate a compatible ATM: Ensure that the ATM you choose supports contactless payments and has the necessary logos displayed.

Unlock your device: Unlock your iPhone, iPad, or Apple Watch by entering your passcode, using Face ID, or using Touch ID.

Prepare Apple Pay:

a. iPhone or iPad: Open the Wallet app, and select the card you want to use for the transaction. If your device is locked, double-click the side button (iPhone X and later) or the home button (iPhone 8 and earlier) to access the Wallet app.

b. Apple Watch: Double-click the side button on your Apple Watch to open the Wallet app and select the card you want to use.

Initiate the transaction:

a. Hold your device close to the contactless reader on the ATM.

b. Authenticate the transaction by placing your finger on the Touch ID sensor, double-clicking the side button for Face ID, or entering your device passcode.

c. Wait for a vibration or beep to confirm that the payment information has been accepted by the ATM.

Complete the ATM transaction: Follow the on-screen prompts on the ATM to complete your desired transaction (withdrawal, deposit, balance inquiry, etc.).

Benefits of Using Apple Pay at ATMs

There are several benefits of using Apple Pay at ATMs, which include:

Convenience: With Apple Pay, there is no need to carry a physical debit or credit card. Users can access their accounts using their Apple devices, making it easier and faster to perform transactions at ATMs.

Enhanced Security: Apple Pay offers multiple layers of security that protect users’ financial information. Transactions are authorized using biometric authentication (Touch ID or Face ID) or passcodes, ensuring that only the device owner can access the account. Additionally, Apple Pay uses tokenization, which means that actual card details are not shared with the ATM, further protecting users’ sensitive data.

Hygiene: In the age of increasing awareness about personal hygiene and the potential spread of germs, using Apple Pay at ATMs can help reduce contact with surfaces that may be touched by many individuals.

Privacy: Apple Pay transactions do not reveal personal information to the ATM, providing users with a higher level of privacy during their transactions.

Seamless Integration: Apple Pay integrates seamlessly with other Apple services, such as Apple Card and Apple Cash, allowing users to manage their finances more efficiently.

Security Features of Apple Pay

Apple Pay incorporates various security features to ensure the protection of users’ financial information. Some of these features include:

Tokenization: Apple Pay uses a process called tokenization to protect users’ financial information. Instead of sharing the actual card details with the ATM or merchant, Apple Pay creates a unique Device Account Number (DAN) and transaction-specific dynamic security codes. This ensures that the card information remains secure and reduces the risk of fraud.

Biometric Authentication: Apple Pay requires biometric authentication (Touch ID or Face ID) or a passcode to authorize transactions. This adds an extra layer of security and ensures that only the device owner can access their account.

Secure Element: Apple Pay stores the Device Account Number and other sensitive data in a dedicated chip called the Secure Element (SE) on the device. The SE is isolated from other hardware and software components, ensuring that the data stored within it remains secure even if the device is compromised.

Remote Deactivation: In case an Apple device is lost or stolen, users can remotely lock or erase their devices using the Find My iPhone feature. This prevents unauthorized access to Apple Pay and other sensitive information on the device.

Privacy Protection: Apple Pay does not store transaction details that can be traced back to users, ensuring that their financial privacy is maintained.


Using Apple Pay at ATMs is an increasingly popular option due to its convenience, security, and hygiene benefits. As more ATMs incorporate contactless payment technology, it is essential for users to familiarize themselves with the process of using Apple Pay at ATMs. By understanding how to set up and use Apple Pay, users can enjoy the convenience and security benefits that the mobile payment service offers, making everyday transactions easier and more efficient.