Does Capital One ATM Take Apple Pay in 2023?

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In today’s fast-paced world, convenience is key, especially when it comes to handling our finances. A burning question among Apple Pay enthusiasts who also bank with Capital One is: “Does Capital One ATM take Apple Pay?”

To answer this query, I conducted some rigorous research and even tested it out myself. So, buckle up as we explore the world of Capital One ATMs and their compatibility with Apple Pay.

The Rise of Digital Wallets

Digital wallets have revolutionized the way we think about and handle money. They offer a secure and convenient alternative to carrying around physical cash or cards.

As digital wallets like Apple Pay continue to gain traction, it’s only natural to wonder if they’re compatible with traditional banking services like ATMs.

Apple Pay: The Basics

Apple Pay has become a prominent digital wallet option, offering a seamless and secure method for transactions. Through encryption and Face ID or Touch ID, Apple Pay adds a layer of security that’s often superior to traditional card swipes.

Capital One: A Leader in Digital Banking

Does Capital One ATM Take Apple Pay

Capital One has often been at the forefront of integrating technology into banking. From user-friendly mobile apps to advanced online banking services, Capital One has embraced the digital age wholeheartedly.

Does Capital One ATM Take Apple Pay?

After personally visiting a Capital One ATM and also digging into the bank’s official guidelines, I can confirm that some Capital One ATMs do indeed accept Apple Pay.

However, it is essential to note that not all ATMs are equipped with this feature; compatibility may vary by location and the type of transaction you wish to perform.

If you frequently shop at Smith’s Marketplace, here is some information about the store regarding whether Smith’s accepts Apple Pay for your shopping convenience.

How to Use Apple Pay at Capital One ATMs

  1. Find a Compatible ATM: Look for ATMs with the contactless symbol, which indicates Apple Pay compatibility.
  2. Prepare Your Device: Ensure Apple Pay is set up with the card you wish to use.
  3. Initiate the Transaction: Follow the ATM’s prompts. When asked for the card, hold your device near the contactless symbol until you see a confirmation on your device.

Advantages of Using Apple Pay at ATMs

1. Speed

You no longer need to fumble with a physical card, making transactions quicker and more straightforward.

2. Security

Thanks to biometric verifications like Face ID and Touch ID, Apple Pay transactions can be more secure than traditional methods.


Q: Are there transaction limits when using Apple Pay at Capital One ATMs?

A: The transaction limits are generally the same as those of the card linked to your Apple Pay.

Q: Is every Capital One ATM Apple Pay compatible?

A: No, compatibility varies. Look for the contactless payment symbol on the ATM.

Q: Can I link multiple cards to Apple Pay and use them at Capital One ATMs?

A: Yes, you can link multiple cards, but make sure to choose the correct one during the transaction process.

Additional Resources


In a nutshell, some Capital One ATMs do accept Apple Pay, but it’s not a universal feature at all locations. Having personally tried it, I can attest to the convenience and speed of using Apple Pay for ATM transactions. However, it’s crucial to be aware that not every ATM is equipped for this service.

So, the next time you’re heading to a Capital One ATM, go ahead and leave that bulky wallet at home. Just make sure to check that the ATM you’re visiting supports Apple Pay.

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