How to Withdraw Money From Apple Pay in 2022?

Digital wallets are becoming the priority of the people. In today’s time, people avoid carrying physical wallets or cash. When technology is so robust, taking advantage of technology is much lighter than picking up a wallet.

Looking at the digital age, more and more banks are adopting NFC. And it is increasingly being integrated into ATMs by banks.

Withdraw Money From Apple Pay

And when it comes to Digital Payments, Apple comes to the top. Its safe and secure contactless Payment platform. Apple Pay helps the users quickly pay for their purchases. Apple always strives to simplify the process for its customers.

But one question always strikes “How to Withdraw Money from Apple Pay?”

Let’s find out everything in this blog.

Also Read: How to Add Money to Apple Pay without a Debit Card

Can I Withdraw Money from Apple Pay?

Yes, you can withdraw money from Apple Pay. And to get your money you just need to follow the simple steps. As Apple simplifies everything including payment options for its users, you can rapidly receive money in your apple cash accounts and then you can transfer it to your banks to withdraw using an ATM.

And you need not put your credit/debit card into a reader or card terminal in ATM galleries to withdraw your money, this is called a “Cardless Withdrawal”.

How to Withdraw Money from Apple Pay?

You just need to follow the below-stated steps and simply withdraw your money from Apple Pay.

Step 1: First of all Launch the Apple Pay Wallet app on your iOS device.

Step 2: Select your debit card from which you are going to withdraw money.

Step 3: Place your Apple device over the image that is getting on the ATM screen.

Step 4: Press confirm if you want to use the card with your Touch ID.

Step 5: Now enter your ATM PIN and withdraw your money.

Which banks accept Apple Pay for withdrawals?

There are only a few banks that accept Apple Pay for withdrawals or we can say very few banks use NFC technology in their ATMs.

To withdraw the money you simply need to search for the NFC sign on the ATM to see if you can use it.

Here is the list of the banks that use NFC and let you withdraw your money:

  • Bank of America
  • Wells Fargo
  • Chase Bank
  • Citi Bank

Besides, there are a few banks that allow contactless withdrawal using their apps rather than the Apple Pay digital wallet.

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

If Unable to Withdraw Money Using Apple Pay

To receive and send money using Apple Cash, you first need to verify that you are a citizen of the US.

If the user is a child, and below the age of 18 years, the organizer has to set up an Apple cash option for the child as an operator or user of “Apple Cash Family”, after setting up the Apple Cash option, you can receive or send your money using Apple Pay.

Follow the below steps for Withdrawal using Apple Pay.

Step 1: First you need to Update your iDevice.

Step 2: Confirm that your iDevice is qualified.

Step 3: Check out your network or Wi-Fi connection, it must be strong.

Step 4: Verify that you logged in to your iCloud/iMessage account with the same identification that you intend to use for the money withdrawal.

Step 5: Sign in to iCloud, then select the “your name” Settings option.

Step 6: Sign in to iMessage, then go to Settings > iMessages > [Send & Receive].

How Long Does an Apple Pay Withdrawal Take?

In most cases, you can withdraw your money instantly, and if it is not done promptly, then you have to wait for one to three working days for an amount to be sent from Apple Pay to your bank account, and then you will be able to get your money in your hands.

Final Thoughts

Withdrawing money using Apple Pay is no doubt convenient for every Apple Pay user, but you have to go through some of the limitations, as not all banks allow you to withdraw money from ATMs. As NFC has not been installed at every ATM.

But still, you need not be worried, as banks like Bank of America, Wells Fargo, Citibank or Chase bank provide you with the facility of NFC, so you can enjoy the cashless payment option there. You can also read about How to Transfer Apple ID Balance to Apple Pay & Apple Pay Refund Not Showing? Fix

Frequently Asked Questions

Yes, you can, but there are some situations. As several banks like Bank of America, Citibank, Chase Bank, and Wells Fargo allow Apple Pay at ATMs using Cardless technology. . Apple Pay uses Near Field Communication (NFC) to provide cardless ATM access. You need to check out whether NFC is enabled or not by checking the contactless logo on the ATM.

No, you cannot use your Apple Card at ATMs. ATM cards are simply virtual credit cards with no cash advance or withdrawal functions, so you cannot use them.

Banks like Bank of America provide cardless ATMs for their customers so that they can use them with Apple Pay. So the users having iDevice can withdraw cash from the ATMs.

If your Apple Pay has declined, it means you have insufficient funds in your account. Besides, the card you are using may have been blocked. So, you need to contact your bank.

Leave a comment