Can I Use Apple Pay at an ATM?

Apple Pay is a super useful feature for a variety of things, allowing you to use money stored on the app, so long as contactless payments. You can use it in a variety of places, including grocery stores, subway stations, vending machines, and much more. For many, the most important question they may have for their use of Apple Pay is whether Apple Pay can be used at an ATM or not.

You can use Apple Pay on an ATM as long as it allows for contactless use. To do this, select the “wallet” app on your iPhone, tap on your debit card, and place your phone on the contactless reader icon. Your phone will prompt you to verify with your fingerprint or face id. Next, add your card’s PIN number.

So long as the ATM allows for contactless use, you can use Apple Pay at the ATM. Look for the contactless symbol on the ATM, which will indicate that it is Near-Field Communication (NFC)-enabled.

To learn more about Apple Pay, as well as under what circumstances it may not work on an ATM, read below.

Can I Use Apple Pay at an ATM?

While there may be some ATMs where Apple Pay is not usable, this is not the norm, at least for newer ATMs. In order to ensure that you will be able to use your Apple Pay account with the ATM, look out for the Near-Field Communication (NFC) logo. This logo should be obvious, having four curved lines lined up vertically (which may or may not have the NFC logo below this image).

Being able to use Apple Pay at an ATM instead of having to use a debit card is a nice convenience. If you are able to do so, it really helps cut down on the number of cards you need to carry on you at all times.

Why doesn’t a certain ATM accept Apple Pay?

Usually, the reason why Apple Pay will not be supported on an ATM simply comes down to the device being too outdated with something like Apple Pay. This is not a very likely scenario, but it is still possible, so having a backup solution may be a good idea, even if it is somewhat inconvenient.

If Apple Pay is not working where it should be, however, this may mean that there is a mechanical issue to be found with the ATM or your phone itself. You may also have an issue specifically because you have not activated Apple Pay on your phone yet.

How do you activate Apple Pay on your iPhone?

In order to actually use Apple Pay at an ATM (or other locations that accept it), you have to first get Apple Pay set up with your iPhone. Apple Pay is available on iPhone 6 and iPhone 6 Plus, as well as all later iPhone releases, and it is downloaded to the iPhone by default. However, you still need to get it activated through the Wallet app by adding whatever credit or debit card you want to use. This is a handy feature, as any rewards or other benefits you might get from using your debit or credit card at the ATM (or other places) will still be accrued if you use it through Apple Pay instead.

In addition to having to have a card and not too-old an iPhone, you also have to have an Apple ID that is connected to the iCloud. On top of that, your iPhone will have to be updated to the latest version.

Can you use Apple Pay with other Apple devices?

Of course, you may not want to use Apple Pay with an iPhone, or maybe simply don’t own one. In that case, the good news is that you can use Apple Pay with more than just your iPhone. Getting it set up works about the same as it does for the iPhone, so if you know how to do that, then you’re golden.

If you are worried about the iPad taking up too much space on your shopping trip, however, another option would be to simply use an Apple Watch. By using an Apple Watch instead of an iPhone or an iPad, you ensure that you can use them without having to have either on your person. Because it has a unique token on your Apple Watch, you don’t need the iPhone in order to access your cards via the Apple Watch.

Can you put Apple Pay on any kind of phone?

If you no longer own an iPhone but currently have an Apple Pay account, you may be curious whether you can use it on a different type of phone. Whether that is an Android phone, a Nokia phone, or what have you. Unfortunately, Apple Pay does not work on these phones, meaning that you will have to switch over to a different service.

If you are using an Android phone, the good news is that there is a similar service available for it called Google Pay, which works more or less the same as Apple Pay. Much like Apple Pay, Google Pay is only usable at participating areas and ATMs, and not every debit or credit card will actually be compatible with Google Pay.

Is Apple Pay a good way to pay for things in general?

There are many ways to pay for things, and all of these methods have their own pros and cons. For example, paper bills have the problem that they can become damaged or lost more easily, and if they are stolen, it is virtually impossible to prevent them from being used without your consent. Debit and credit cards are certainly convenient methods, but like money, it is possible for you to lose them or have them stolen.

If someone is able to get access to your card’s number, however, they can also more easily use your money without permission. Yet, they have the advantage that you can more easily spend money yourself, and if it is stolen, it is much easier for you to freeze the card and prevent its use.

Things like Apple Pay have their own advantages and disadvantages as well. For example, you also run the risk of someone getting access to your digital payment info, allowing them to use it to buy things for themselves. Similarly, Apple Pay is a convenient method to get things paid for.

One particular advantage is that you do not need to have a separate device like a credit card in order for you to pay for things, only your phone. And to put an extra layer of security on things, you can require a passcode for it to be used, just in case someone who is not entitled to access attempts to use it to purchase something. In the case of Apple Pay, you would use the same passcode you use for your iPhone.

Are Apple Pay competitors a better option?

There are a number of competitors in this industry, with arguably the biggest of them being PayPal. However, Google Pay is another competitor, and a common one used on Android devices. And of course, you can’t forget about Venmo and Cash App. But which one these services is the best one for you?

One of the major disadvantages with using Apple Pay is the fact that it is a proprietary app. Sure, if you have an iPhone or another iOS device, it’ll probably do just fine for you. However, if you have multiple devices that are not on the iPhone’s operating system, you unfortunately cannot use it. Meanwhile, PayPal, Google Pay, Venmo, and Cash App are all compatible with Android, iOS, and web-based devices. Whichever you choose will ultimately come down to the services you prefer to use, as well as whether you are already in the Apple ecosystem.

As we discovered above, Apple Pay is an iOS-only service, which means that if you do not have an iPhone (or other Apple device), there is little benefit to having an Apple Pay account since you will not actually be able to use it.

What kinds of credit cards can be linked with your Apple Pay account?

In order to actually use your Apple Pay account to withdraw or deposit money from your ATM, you need to first link a credit or debit card. But which credit and debit cards are compatible with Apple Pay?

The good news for people who want to use Apple Pay in this way is that they don’t have to worry too much that their card won’t be compatible. The three most popular kinds of cards – Visa, MasterCard, and American Express – are all compatible with Apple Pay. You can also use the Apple Card, obviously. No matter what though, you need to make sure that whatever bank you go with allows Apple Pay to be used to withdraw from an ATM.

If you are unsure whether your card is actually compatible with Apple Pay, the first thing you should do is get in contact with your card issuer. They will tell you whether or not it is compatible.

How can I change my information on Apple Pay?

The good news about Apple Pay is that modifying your information and settings is not difficult at all. You can change the billing address of a debit or credit card, as well as have it removed from Apple Pay altogether. You can also select which debit or credit card is your default option. This will help avoid accidentally using the wrong card for purchases or withdrawals/deposits. However, if you do have to switch between cards, make sure that you do not accidentally use the wrong one at the wrong time.

You can also add, modify, and remove shipping information as needed. So if you move and need to update, there should be no trouble at all getting all that squared away. Just be careful that you don’t forget to do it!

Can I remove my Apple Pay info from a compatible device if it is lost or stolen?

Losing something or having it stolen is frustrating even at the best of times, but when you lose something expensive, or worse, something that has private info on it. Sadly, Apple devices tend to be both of those things, and thus, you either want to get the device back or make it so that your information cannot be accessed.

The first thing to do, even before you ever lose your phone, iPad, Apple Watch, or other Apple device, is to set it up with the ‘Find My Phone’ feature. This will allow Google to track your phone for as long as it is connected to either wireless data or Wi-Fi. So long as the device is powered on, connected to the Internet, and still registered as yours, finding its last known location should be no great issue (beyond getting there and getting it back).

In addition to the last known location, Find My Phone will also tell you when it was detected in that location. If it says that it was last detected at the grocery store, say, five hours ago, this means that it is still there and the battery is dead, or someone took it, disabled Find My Phone, and took it for themselves. If the latter happens, there is a decent chance that you may not be able to get it back.

Either way, protecting your Apple Pay information should be your chief concern, as a person can cause quite a lot of havoc if they are able to get access to it. You can remotely remove your Apple Pay information from the lost or stolen device, so you do not need to worry that there’s nothing you can do to stop them. You can do this by signing into your Apple ID on either Mac or PC. Once you’ve signed in, you can then select the item you want to clear the Apple Pay data from. Finally, call your card providers to let them know that someone may have gained access to your information.

And don’t worry about whether removing your information is going too far. Re-adding that info is a simple process, so there’s no permanency here at all.

Steven Carr

Steven is a certified IT professional and gaming enthusiast. He has been working in the tech industry for over 10 years, and specializes in all things Tech-related. When he's not geeking out over the latest hardware or software release, he can be found testing out the latest video game.

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