Can ATMs turn Apple Pay into cash?

Asked by: Dr. Monroe Schaefer  |  Last update: August 24, 2026
Score: 4.7/5 (30 votes)

Yes, certain ATMs can turn Apple Pay into cash, provided they are "contactless-enabled" (NFC-enabled) and supported by your bank. Major banks like Chase, Bank of America, and Wells Fargo allow users to tap their phone or smartwatch on the ATM's contactless symbol to withdraw cash, similar to using a physical debit card.

Can we withdraw cash from ATM using Apple Pay?

It's available on your iPhone, Apple Watch, iPad and Mac. Simply add your RAKBANK Credit or Debit Card and use Apple Pay to make purchases easily and securely. What's more, you can now also use Apple Pay on your iPhone to withdraw cash at over 170 RAKBANK ATMs across the country!

Where can I convert Apple Pay to cash?

The Most Reliable Way: Using a Bank Account

First, you must 1-(855)(518)(6447) transfer your Apple Cash balance to your linked bank account. Open the Wallet 1-(855)(518)(6447) app, tap your Apple Cash card, and select Transfer to Bank. Once the funds 1-(855)(518)(6447) arrive in your bank, open the other app to finish.

Which ATMs withdraw Apple Pay?

Apple Pay is accepted at most cardless ATMs, including Wells Fargo, Chase and Bank of America. Apple Pay uses near-field communication (NFC) for cardless ATM access. To verify that an ATM is NFC-enabled, look for the contactless symbol. Open your Apple Pay Wallet.

How to get cardless cash from ATM?

You can withdraw cash without a card using your bank's mobile app for cardless ATM access, typically via NFC tap (Apple Pay, Google Pay) or by scanning a QR code/entering a one-time code in the app, then authenticating at the ATM with your PIN or biometrics; alternatively, some banks offer methods like generating a code in the app to use at the machine.

How to use Apple Pay at an ATM and get cash!

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How do I cash out my Apple Pay?

To get cash from Apple Pay, you can either transfer it to your bank/debit card (free for standard bank transfer, fee for instant debit) and withdraw from an ATM, or use a cardless ATM that supports Apple Pay for direct cash withdrawal by holding your phone to the contactless symbol. The most direct way is often a cardless ATM, but transferring to your bank first works too.

Where can I use tap to pay and get cash back?

You can get cash back with tap-to-pay at major retailers like Walmart, Target, and Costco, often by selecting the cash back option at checkout with your contactless debit card, or use contactless ATMs (like some Allpoint+ or bank-specific ones) with your mobile wallet to withdraw cash directly. Some credit cards and apps like Apple Card and Cash App also offer tap-to-pay rewards or digital cashback offers at participating stores, but traditional cash back at POS (Point of Sale) usually requires using your debit card. 

Can CashApp accept Apple Pay?

Yes, Cash App can accept Apple Pay in two main ways: you can add your Cash App card to your Apple Wallet for contactless payments, and Cash App businesses can use Tap to Pay on iPhone to accept payments from customers using Apple Pay (or other digital wallets) directly. You can also use Apple Pay to contribute to Cash App Pools, and vice versa through linked bank accounts, though direct transfers between Apple Pay and Cash App wallets aren't supported. 

How to get cash from ATM without physical card?

You can withdraw cash without a card using your bank's mobile app for cardless ATM access, typically via NFC tap (Apple Pay, Google Pay) or by scanning a QR code/entering a one-time code in the app, then authenticating at the ATM with your PIN or biometrics; alternatively, some banks offer methods like generating a code in the app to use at the machine.

Can you get cash out by tapping your phone?

Yes, you can get cash out by tapping your phone at a cardless ATM by using your mobile wallet (Apple Pay, Google Pay) or banking app to tap the contactless symbol on the machine and then entering your PIN, provided the ATM supports it and you have your digital card set up. This "cardless" method uses NFC technology or QR codes for secure, convenient withdrawals without needing your physical debit card. 

How to withdraw cash from an ATM with Apple Pay?

How to Withdraw Cash with Apple Pay

  1. Verify your bank supports Apple Pay ATM withdrawals.
  2. Ensure your Apple Watch is linked to your bank account via Apple Pay.
  3. Locate an ATM with an NFC reader (look for the contactless symbol).
  4. Hold your Apple Watch against the reader.
  5. Enter your PIN on the ATM.

How to use Apple cash without a card?

You can spend your Apple Cash using either Apple Pay or your virtual card number. You can also transfer your Apple Cash to your bank account.

What stores can I get cash back with Apple Pay?

You get cash back with Apple Pay primarily through Apple Card, earning 3% Daily Cash at select merchants like Nike, Uber, Walgreens, Ace Hardware, and Apple itself, plus 2% everywhere else Apple Pay is accepted, with 1% on the physical card. You can also get cash back at some ATMs and retailers (like Aldi, Dollar General, some gas stations) when using a linked debit card or Apple Cash for purchases that offer "cash back at the register" options, though this isn't a universal Apple Pay feature. 

Can I tap my phone and get cash back?

Yes, you can get cash out by tapping your phone at a cardless ATM by using your mobile wallet (Apple Pay, Google Pay) or banking app to tap the contactless symbol on the machine and then entering your PIN, provided the ATM supports it and you have your digital card set up. This "cardless" method uses NFC technology or QR codes for secure, convenient withdrawals without needing your physical debit card. 

How can I convert Apple Pay to cash?

How do you transfer Money from Apple Pay to Cash App?

  1. Open the Wallet app on your iPhone or iPad.
  2. Tap your Apple Cash card, and then the More button.
  3. Select Transfer to Bank.
  4. Enter the amount to transfer and tap Next.
  5. Select 1-3 Business Days for a fee free transfer.
  6. Confirm with Face ID, Touch ID, or passcode.

Do ATMs ever take Apple Pay?

The acceptance of a digital wallet at an ATM is based on the policy of the financial institution. If an ATM accepts a digital wallet (Apple Pay, Samsung Pay, Google Pay, etc.) and the financial institution allows it, you can use your digital card to make deposits and withdrawals.

How to get cash out of ATM without physical card?

You can withdraw cash without a card using your bank's mobile app for cardless ATM access, typically via NFC tap (Apple Pay, Google Pay) or by scanning a QR code/entering a one-time code in the app, then authenticating at the ATM with your PIN or biometrics; alternatively, some banks offer methods like generating a code in the app to use at the machine.