March 19, 2026
Written by Rebecca Safier
Certified Student Loan Counselor
Certified Student Loan Counselor
Rebecca Safier, CCC, is a personal finance writer. Her work has been published in U.S. News & World Report, MarketWatch, NextAdvisor, Yahoo Finance, and other publications, and she has contributed expert commentary to Entrepreneur, Money.com, NBC, and more. When she's not covering all things personal finance, Rebecca teaches blogging strategies on her website, Remote Bliss.
Third-party brands and companies are mentioned for informational purposes only. Chime® does not sponsor, endorse, or partner with any of these brands or companies, and they do not sponsor or endorse Chime.
Have you ever been at an ATM and realized your wallet is sitting on the kitchen counter? Learning how to use cardless ATMs can save you from having to make an extra trip. These machines let you withdraw cash using just your smartphone, no debit card required. In this guide, we'll walk you through exactly how to use one.
Cardless ATMs let you withdraw cash using your smartphone's mobile wallet or your bank's app instead of a physical card.
Cardless ATMs use secure technology like Near-Field Communication (NFC), QR codes, or biometrics to verify your identity.
Using a cardless ATM may be faster than using a card and can help protect you from card-skimming devices.
Not all ATMs support this feature, so it's a good idea to carry your physical card as a backup.
A cardless ATM lets you withdraw cash using your smartphone instead of a physical debit card. You simply open your mobile wallet or banking app, tap your phone on the machine or scan a QR code, and enter your PIN to complete your transaction. The process is similar to a regular withdrawal, just without inserting a physical card into the machine.
Chime members have access to 47,000+ fee-free in-network ATMs. To find a fee-free ATM near you, download the Chime mobile app and tap on the ATM map. You can also search Chime's ATM network.
Cardless ATMs rely on a few pieces of tech to securely verify your identity. Here are the most common ways they work.
This is the same 'tap-to-pay' technology used in services like Apple Pay® and Google Pay®. To use it, you just open your mobile wallet, select your card, and hold your smartphone near the contactless symbol on the ATM.
The machine reads your card info wirelessly, and then you'll usually enter your PIN to verify and complete your transaction.
Some ATMs will show a QR code on the screen that you can scan. Typically, you'll open your banking app, scan the code with your phone's camera, and follow the prompts.
Other times, your app might give you a special one-time code that you type into the ATM to prove it's you before getting cash.
It might feel like living in the future – some ATMs use biometrics like a fingerprint or facial scan to verify your identity. The ATM compares your scan to the data your bank has on file, and if it's a match, you're in.
Ready to try it? The exact steps can differ a bit depending on your financial institution and the ATM, but here's the general process.
Open your banking app or mobile wallet. Once you're at the ATM, open your mobile banking app or a supported digital wallet, such as Apple Pay or Google Pay, and select the card you want to use.
Tap or scan to connect. If the ATM uses NFC, tap your phone on the contactless symbol. If it uses a QR code, scan it with your phone. Just follow the instructions on the screen.
Enter your PIN and complete the transaction. After the ATM verifies your phone, you'll likely be asked to enter your debit card's PIN on the keypad. From there, just proceed with your withdrawal or other transaction like normal.
Many major financial institutions offer cardless technology, including:
BMO®
Many regional banks and credit unions
The best way to find one is to check your own bank's mobile app, which often has an ATM locator that can filter for cardless or contactless options.
Finding a cardless ATM is usually pretty simple. Since you're already using your banking app to access your cash, that's also the best place to find a machine.
Most banking apps feature an ATM locator. Just open the map and look for a filter button to select 'cardless' or 'contactless' options.
You can typically find these ATMs at:
Bank branches
Major retail stores
Pharmacies and grocery stores
If you're heading somewhere new, check your app before you go. Not every ATM has been updated with this technology yet, so a quick look can save you a trip.
Like any technology, cardless ATMs have some great benefits and a few considerations to keep in mind. Here's a quick breakdown.
Enhanced security: You may have less risk of your card information being stolen by devices like skimmers because you do not insert a physical card into the ATM terminal.
Convenience: Left your wallet at home? No problem. As long as you have your phone, you can still access your cash.
Speed: Tapping your phone or scanning a code can save time compared with finding, inserting, and removing a physical card.
Limited availability: While the number of ATMs equipped with cardless technology is growing, there may not be one close by.
Tech dependency: You need a charged smartphone with an internet connection to use a cardless ATM. If your battery dies, you're out of luck without your physical card.
If you love using your phone for everything and want an extra layer of security, cardless ATMs are worth trying. They can save you from that "Oh no, I forgot my wallet!" moment, though you'll want to keep your physical card handy since not all ATMs support this feature yet.
For more tips on accessing cash without fees, check out our guide on understanding ATM fees and how to avoid them.
Yes, cardless ATMs can be safer than traditional ATMs since there's no card slot for skimming devices, and the technology uses encrypted connections between your phone and the machine.
Yes, many cardless ATM withdrawals require using your phone's bank app to complete the transaction.
No, your withdrawal limits stay the same since they're set by your bank, not by the type of ATM you're using.
Unfortunately, no. You need a working smartphone to use a cardless ATM, which is why it's always a good idea to carry your physical debit card as a backup.
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Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.
Once the retailer accepts your cash, the funds will be transferred to your Chime account. You may use your barcode, debit card, or Chime Card to deposit cash. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade. Cash deposits using a barcode or debit card are deposited to your Checking Account. If you have the Chime Card, those funds will be automatically swept to your Chime Card Secured Deposit Account. Cash deposits using your Chime Card first go to your Chime Card Account, then transferred to your Chime Card Secured Deposit Account. Cash deposits are not payment for any Chime Card balance due.
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