Cardless ATM: How to Withdraw Cash Without Your Card

Last updated: July 9, 2026

Six of the eight biggest U.S. banks now let you withdraw cash at their ATMs without your physical card: Bank of America, Chase, Wells Fargo, and Truist through a digital wallet tap (Apple Pay, Google Wallet, Samsung Wallet), PNC through a one-time code from its app, and Capital One through its own mobile app with NFC or a QR code. The two holdouts: Citibank and U.S. Bank do not offer cardless ATM withdrawals, whatever some comparison sites claim.

This guide shows exactly how each bank’s cardless access works, the two method families, why the PIN is still required, and what to do when the tap fails.

Cardless ATM support by bank

Each bank’s support is verified against its own pages, see the per-bank guides linked below for sources. Last verified: July 2026.

The two method families

NFC wallet tap (Bank of America, Chase, Wells Fargo, Truist, PNC’s Mobile Tap): add your debit card to Apple Pay, Google Wallet, or Samsung Wallet, and the phone stands in for the card at the machine. One-time app code (PNC’s Card Free Access, Wells Fargo’s ATM Access Code): the app generates a short-lived numeric code you type at the ATM instead of inserting a card, no NFC needed, which helps with older phones or machines without contactless readers. Capital One is its own animal: the transaction runs through the Capital One app itself rather than a third-party wallet.

How a cardless withdrawal works, step by step

1. Add your debit card to your phone’s wallet (or open your bank’s app for code-based access).
2. At the ATM, look for the contactless symbol, four curved lines, usually next to the card slot.
3. Authenticate on your phone (Face ID, fingerprint, or passcode) and hold it over the reader.
4. Enter your card’s PIN on the ATM keypad, the tap replaces the card, never the PIN.
5. Complete the withdrawal exactly as if you had inserted the card.

Limits, fees, and the fine print

• Same limits, mostly: Chase states cardless withdrawal limits are identical to your card’s. The big exception is Capital One, whose app-based withdrawals are capped at $500 per day and $2,000 per month regardless of your card limit.
• Same fees: cardless does not change ATM fees, in-network stays free, out-of-network fees still apply where the tap works at other banks’ machines (Wells Fargo supports this).
• Eligibility gaps: Capital One limits cardless to three checking account types, and PNC’s options work at PNC ATMs only, not its 55,000 Partner machines.
• Vestibule doors: after-hours ATM lobbies often need a physical card swipe to open the door, cardless will not get you in.

When the tap does not work

• No contactless symbol on the machine: not all ATMs have readers yet, Truist says “many,” not all. Try the bank’s app-code option if it has one, or another machine.
• Wrong card selected in the wallet: the ATM pulls whatever card is active in the wallet, pick the debit card first, credit cards do not work for cardless withdrawals at Chase and most banks.
• Citi or U.S. Bank customer: there is no cardless option, bring the card.
• Code expired: PNC’s access code lives 30 minutes and dies after one use, generate a fresh one.

Frequently asked questions

Which banks have cardless ATMs?

Among the biggest U.S. banks: Bank of America, Chase, Wells Fargo, Truist (digital wallet tap), PNC (one-time app code or Mobile Tap), and Capital One (through its own app). Citibank and U.S. Bank do not offer cardless ATM withdrawals.

How do I withdraw money from an ATM with my phone?

Add your debit card to Apple Pay, Google Wallet, or Samsung Wallet, authenticate on the phone, hold it over the ATM’s contactless symbol, then enter your card’s PIN on the keypad and complete the withdrawal normally.

Do I still need my PIN at a cardless ATM?

Yes, always. The phone tap or app code replaces the physical card, not the PIN. You type your normal card PIN on the ATM keypad to authorize the withdrawal.

Can I use a cardless ATM if I lost my debit card?

Yes, that is one of the best uses: if the card is already in your phone’s wallet, or your bank offers app codes (PNC, Wells Fargo), you can get cash while the replacement card is in the mail. Lock the lost card in the app first.

Does Citibank have cardless ATMs?

No. Citi supports digital wallets for purchases, but its ATMs require the physical Citibank Banking Card and PIN. Some comparison sites claim otherwise; Citi’s own documentation does not.

Does using Apple Pay at an ATM cost extra?

No. Cardless withdrawals carry the same fees as card withdrawals: free at your own bank’s ATMs, and the usual out-of-network fees elsewhere.

Is a cardless ATM withdrawal safe?

Generally safer than inserting a card: the wallet passes a one-time token instead of your real card number, so skimmers attached to the card slot get nothing, and the PIN is still required on top.

Are cardless withdrawal limits the same as card limits?

Usually yes, Chase confirms identical limits. The main exception is Capital One, where app-based cardless withdrawals are capped at $500 per day and $2,000 per month.

For more banking guides

• ATM Withdrawal Limits by Bank, the daily caps your cardless withdrawal still counts against
• ATM Fees by Bank, what out-of-network machines cost and how to pay nothing
• Bank of America ATM Withdrawal Limit | Chase | Wells Fargo | Citibank | U.S. Bank | PNC | Truist | Capital One
• ATM Near Me, find ATMs for any bank, plus surcharge-free network options
• Banks Near Me homepage, a directory of 80+ U.S., U.K., and international banks