Wells Fargo Will Debut ATM Apple Pay Transactions 'Later This Year'

Wells Fargo today has deployed card-free access to all 13,000 of its ATMs in the United States, while also announcing that transactions through NFC-enabled mobile wallets -- including Apple Pay -- will launch later this year. Customers will be able to make NFC withdrawals with Apple Pay, Wells Fargo Wallet, Android Pay, and Samsung Pay through a simple NFC-enabled tap and PIN authentication when the feature launches sometime in 2017.

wells fargo apple pay
Launching today, however, is Wells Fargo's new One-Time Access Code feature, which lets customers authenticate at an ATM by entering an 8-digit code along with their debit or ATM card PIN, all without needing their physical card. To do so customers will log into the Wells Fargo app and choose "Card-Free ATM access" within Account Services to receive their 8-digit access code. After entering the code and their PIN, the company said that the ATM transaction process is the same as when using a physical card.

“At Wells Fargo, we believe the future is cardless, and the launch of One-Time Access Code provides our 20 million mobile banking customers another convenient way to manage money,” said Brett Pitts, head of digital for Virtual Channels. “This new ATM feature exemplifies Wells Fargo’s commitment to innovation.”

In addition to One-Time Access Code, later this year customers will be able to initiate a cardless ATM transaction with the “tap and pay” technology in an NFC-enabled smartphone. When this feature is live, a customer will be able to initiate a transaction by signing into a leading mobile wallet (Wells Fargo Wallet, Apple Pay, Android Pay or Samsung Pay), and holding the phone near an NFC-enabled ATM terminal. Once authenticated, the customer will input their debit or ATM card PIN and complete their transaction.

Apple Pay support at Wells Fargo and Bank of America ATMs has been reported on for well over a year, with Bank of America adding in NFC Apple Pay withdrawals to around 2,400 of its ATMs last summer. Wells Fargo today didn't mention a specific launch date for the debut of Apple Pay at its ATMs, but it did hint that the feature could launch on more than 5,000 of its machines in the U.S., which represent the number of its ATMs that are already NFC-enabled.

Related Roundup: Apple Pay

Popular Stories

iOS 26

iOS 26.1 Coming Soon: New Features for Your iPhone and Release Date

Monday October 27, 2025 7:55 am PDT by
The upcoming iOS 26.1 update includes a handful of new features and changes for iPhones, including a toggle for changing the appearance of the Liquid Glass design, "slide to stop" for alarms in the Clock app, and more. Below, we outline key details about iOS 26.1. Release Date Given that Apple has yet to seed an iOS 26.1 Release Candidate, which is typically the final beta version, the...
iOS 26 Battery Glass Feature

iOS 26.1 Beta Liquid Glass Battery Drain Test: Tinted vs Clear Mode

Friday October 24, 2025 2:30 pm PDT by
In the fourth iOS 26.1 beta, Apple added a "Tinted" option that reduces the translucency of Liquid Glass for those who prefer a more opaque look. I saw some comments wondering whether the setting might preserve battery life, so I thought I'd do some testing. Test Settings I did four separate tests using the iPhone 17 Pro Max, and I kept the parameters as similar as possible. Here are the...
iOS 26 Maps Glass

Apple Reportedly Moving Ahead With Ads in Maps App

Sunday October 26, 2025 6:22 am PDT by
Apple Maps could feature integrated ads as soon as next year, Bloomberg's Mark Gurman reports. In his latest "Power On" newsletter, Gurman said that Apple's plan to bring more ads to iOS is moving "gaining traction," with the Maps app being next in line. The project will apparently give restaurants and other businesses the option to pay to have their details featured more prominently in...
maxresdefault

Apple TV 4K Could Still Launch Before 2025 Ends: All the Rumored Features

Monday October 27, 2025 4:51 pm PDT by
Apple is designing an updated version of the Apple TV 4K, and rumors suggest that it could come out sometime in the next couple of months. We're not expecting a major overhaul with design changes, but even a simple chip upgrade will bring major improvements to Apple's set-top box. Subscribe to the MacRumors YouTube channel for more videos. We've rounded up all the latest Apple TV rumors. ...
iOS 26

iOS 26.1 Coming Soon With These 8 New Features for Your iPhone

Wednesday October 22, 2025 6:15 am PDT by
The upcoming iOS 26.1 update includes a handful of new features and changes for iPhones, including a toggle for changing the appearance of the Liquid Glass design, "slide to stop" for alarms in the Clock app, and more. iOS 26.1 is currently in beta testing. The update will likely be released in the first half of November, and it is compatible with the iPhone 11 series and newer, but some...
M6 MacBook Pro Feature 1

M6 MacBook Pro: Release Date, Pricing, and What to Expect

Monday October 27, 2025 9:15 am PDT by
Apple this month refreshed the 14-inch MacBook Pro base model with its new M5 chip, and higher-end 14-inch and 16-inch MacBook Pro models with M5 Pro and M5 Max chips are expected to follow in early 2026. However, these machines will represent the final update to the current design, with Apple reportedly developing a completely new version of the MacBook Pro packed with next-generation hardware...
iPhone 17 Colors

iPhone 18 Rumored to Feature 50% More RAM

Saturday October 25, 2025 2:57 am PDT by
Apple's upcoming iPhone 18 could feature 50% more memory than its predecessor, according to Korea's The Bell. With its latest iPhone lineup, the iPhone Air, iPhone 17 Pro, and iPhone 17 Pro Max feature 12GB of memory. This is a significant increase of 4GB more their predecessors, largely driven by the demands of on-device artificial intelligence processing. The iPhone 17 is the only new...
swift for android

Developers Can Now Make Android Apps With Apple's Swift

Sunday October 26, 2025 4:23 am PDT by
The first preview release of the Swift SDK for Android was published this week, allowing developers to build Android apps in Swift with official tooling and making it easier to share code across iOS and Android. The SDK enables Android apps to be built in Swift using officially supported tooling rather than community workarounds. In June, it was announced that Apple's Swift programming...
ios 26 digital id passport wallet

Apple Says U.S. Passport Feature on iPhone is Coming Soon

Monday October 27, 2025 7:41 am PDT by
You will "soon" be able to add a digital version of your U.S. passport to your iPhone, according to Jennifer Bailey, vice president of Apple Pay and Apple Wallet. Bailey reiterated that the feature is coming soon during her keynote at the Money20/20 USA conference in Las Vegas on Sunday. On its iOS 26 page, Apple says the delayed feature will be "coming later this year." Apple's...

Top Rated Comments

avanpelt Avatar
112 months ago
Pretty slick. One step closer to not carrying plastic at all and it's also a great solution for circumventing card skimmers on the ATM.
Score: 4 Votes (Like | Disagree)
smirking Avatar
112 months ago
If I ever used cash I would seriously think about switching banks.
Yeah, but Wells Fargo.
Score: 3 Votes (Like | Disagree)
Mac 128 Avatar
112 months ago
If I ever used cash I would seriously think about switching banks.
I wouldn't. Closed my Wells Fargo account shortly after they were found to be illegally opening accounts without customer's permission. Can't do business with an unethical bank engaged in fraudulent activity -- especially when caught they throw their employees under the bus. I won't ever go back.
Score: 2 Votes (Like | Disagree)
kdarling Avatar
112 months ago
Exactly. If my phone and thumbprint are secure enough to let me buy $100 worth of groceries at Trader Joes, they should be enough to let me get five $20s out of an ATM.
Of course, it'd be a lot easier to use a fake fingerprint at an ATM in the middle of the night, than to try to pass it off at Trader Joe's in front of everyone and then get stuck paying for groceries if it didn't work.

Heck, it'd also be easier to use a real stolen finger, for that matter :eek:. If ATMs took thumbprints instead of PINs, thieves in parts of the world would have a lot more incentive to take thumbs and maybe lives. (Chopped off fingers are good for up to an hour, and much longer if you use a syringe to inject moisture back into them.)
Score: 1 Votes (Like | Disagree)
ignatius345 Avatar
112 months ago
Who cares if they do see it, it's one time use only. Although needing a PIN is annoying. Make it 10 digits and no PIN. Then you could at least email it to someone to use in a pinch.
Exactly. If my phone and thumbprint are secure enough to let me buy $100 worth of groceries at Trader Joes, they should be enough to let me get five $20s out of an ATM.
Score: 1 Votes (Like | Disagree)
timborama Avatar
112 months ago
An interesting idea though... I like not needing to carry a card with me, but I'm not sure I can remember 8 digits (+ PIN) all day long -- and opening up the app risks other people snapping a picture of those 8 digits...
Who cares if they do see it, it's one time use only. Although needing a PIN is annoying. Make it 10 digits and no PIN. Then you could at least email it to someone to use in a pinch.
Score: 1 Votes (Like | Disagree)