Many banks now offer cardless ATMs, or tap ATMs, which allow you to withdraw cash from an ATM without needed to insert your physical debit card. These ATMs let you just “tap” your phone or card for contactless transactions. This tech can be great for those who often forget or dislike carrying their debit or ATM card, or those who are already comfortable with using mobile wallets.
A tap ATM, or contactless ATM, allows you to withdraw cash using your phone’s digital wallet or banking app instead of inserting a card. ATMs with this function will likely have the tap-to-pay symbol on them, which is a bit like a sideways Wi-Fi symbol, with a hand holding a card on the right.
Just like when you tap-to-pay at checkouts, placing your phone with the mobile wallet open near the ATM with start the transaction and then you enter your PIN.
However, you can typically only use a cardless ATM that your bank owns. For example, if you’re a Chase customer, you can only use Chase-owned ATMs for cardless transactions.
How you access your funds depends on each cardless ATM, but they usually work through near-field communication (NFC), scanning a QR code, an app-generated code or biometric authentication. No matter the method, each offers a simple and fast way to withdraw cash without needing a debit card, because you can just tap your phone with your mobile wallet open.
Yes! Some ATMs and banks support tapping your phone on an ATM for cardless transactions. For the most part, major US banks like Chase, Bank of America and Wells Fargo offer cardless ATM technology.
This feature won’t be available at every ATM, but it is a thing.
As this feature becomes more common in the US, it’s important to compare your options and consider features related to cardless ATMs.
| Bank | App | OS | Compatible accounts | Security features |
|---|---|---|---|---|
| Bank of America | Google Pay |  | Consumer debit cards, U.S. trust debit cards, small business debit cards (owner card only) | PIN |
| BMO | BMO Digital Banking App |  | BMO debit cards | Scan QR code on your phone once you arrive at the ATM |
| Wells Fargo | Wells Fargo Mobile – Card-Free Access | | Wells Fargo debit and Wells Fargo EasyPay cards | PIN/ATM Access Code |
| Chase | Apple Pay, Google Pay or Samsung Pay mobile wallet |  | Consumer debit cards (excluding CPC Privileges card), business debit cards (excluding Business Associate cards) and Chase Liquid cards | PIN |
| Capital One | Capital One banking app | | 360 Checking, Total Control Checking, Simply Checking and MONEY Teen Checking | Cardless withdrawals work through the Capital One app at Capital One-owned ATMs. |
| Fifth Third Bank | Fifth Third mobile banking app | | N/A | PIN |
| PNC Bank | PNC Mobile app | | All active PNC debit and banking cards are eligible for card-free ATM access | Enter a one-time eight-digit access code generated by the app, then enter your PIN |
9.2 Excellent
Capital One 360 Checking
An interest-bearing checking account with flexible overdraft options and international access.
Depending on your bank’s ATM, connecting to it will work in one of these four ways:
Looking for a great checking account?
Compare checking accounts with low fees, rewards, mobile deposit and more.
There may be limits on how much money you can withdraw daily from your account, but this varies between accounts and banks. Check your bank’s account disclosure for your cash withdrawal limit.
Find the right checking account for you by comparing each bank’s key features — from minimum opening deposit to the number of cardless ATM locations nationwide.
Earn a $400 bonus
On Chase's secure site
Earn a $175 bonus
On Chase's secure site
Earn up to $3,000
On Chase's secure site
Consider these benefits and drawbacks when using an ATM.
Despite the safety measures of cardless ATMs, you should still know how to protect your money when grabbing cash.
Cardless, or contactless, cash refers to the ability to withdraw money from an ATM using your phone instead of a debit card, via NFC tap, app codes, QR codes, or biometrics. It’s offered by major banks like Bank of America, Capital One, Chase and Wells Fargo.
BMO is a large bank with a variety of bonuses available, up to $1,500.
Offering up to $500 in checking bonuses, KeyBank’s bonuses are enticing. However, the bank doesn’t operate in all states.
Citizens Bank has some personal account bonus offers up for grabs; up to $3,000 if you can meet requirements.
U.S. Bank usually has some bank account bonuses on the table; compare the most recent offers up for grabs.
See how to earn up to $1,500 when you open a new Capital One savings, or up to $250 with a 360 Checking account.
SoFi, Capital One, Chase and Revolut have some of the best student bank accounts for savings, checking and building credit.
One of PNC’s best bonus offers is its $400 direct deposit bonus. But if you don’t meet the criteria, there are other ways to earn cash.
SoFi offers several bonus offers, including a direct deposit bonus, welcome offers and referral bonuses.
Tracking the Fed funds rate from 1954 to now.
Instant sign-up bonuses with no deposit are not typically offered. However, these bank account bonuses have easy requirements.
What is the name of the app so I can do cardless cash?
Hi Robert,
Thank you for your comment.
The cardless cash feature can be retrieved from your bank’s app. For example, your bank is Commbank, you need to download a Commbank app and click Cardless Cash icon (if available) to start using this feature.
Regards,
Jhezelyn
Where are the cardless ATM machines in Tennessee?
Hello Dezane,
Thank you for your comment.
Please note that cardless cash works by providing you with a unique code that you use to enter into an ATM to withdraw cash when you don’t have your card. Basically, almost all ATM’s in TN can let you withdraw cash in it if you’ll use cardless cash.
Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
Regards,
Jhezelyn
Can government beneficial prepaids have access to atm with out the actual card on emergency
Hi Juanita,
If you are referring to Direct Express government prepaid card, as of this time it does not have the feature that will allow you to withdraw money from the ATM without using your card. The service that Direct Express has is the Cardless Benefit Access which will allow the cardholders to get up to $1,000 from the available funds in their account without using the card. Funds are issued via money order however there is a fee for the service which ranges from $8.50 to $12.00 based on amount requested.
You can also confirm this information by contacting Direct Express directly.
Hope this helps.
Cheers,
Charisse