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Banks that support Apple Pay

Learn what banks support Apple Pay and how to set it up.

Before you switch banks, it’s a good idea to know if they work with Apple Pay beforehand — especially if you use it regularly. Luckily, most major banks and credit unions are compatible with the handy wallet, and over 85% of US retailers accept Apple Pay.

US banks that offer Apple Pay

Nearly all major banks and credit unions offer cards that work with Apple Pay. Use this table to search through a list of participating institutions to find out if your current or next bank is compatible with your Apple Wallet.

Can I use Apple Pay at an ATM?

Yes, you can use Apple Pay at ATMs if the machine accepts contactless withdrawals. To check whether you can use Apple Pay at an ATM, look for the contactless symbol on the machine, which looks like a WiFi symbol turned to the side.

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How to set up Apple Pay

There are only a few steps you need to take to add a card to Apple Pay:

  1. Open Apple Wallet on your iPhone and tap the “+” button on the top right.
  2. Choose the type of card you want to add.
  3. Scan the front of your debit or credit card by positioning it in the frame, or you can manually enter your card’s information.
  4. Tap Next.
  5. Verify your information if the card provider requests, which they’ll do by sending you an activation code. If applicable, select your verification method. Once you receive it, enter the code.

Once your card is verified, you can make payments through Apple Pay. On an iPhone, you can open your Wallet app or double-click the lock button to bring up your wallet and either enter your passcode or use Face ID to approve the transaction.

With an Apple Watch, double-click the side button to pull up your wallet. You can also choose a default card that automatically comes up first.

Can I use Apple Pay if I travel abroad?

Apple Pay works at any store or ATM that accepts contactless payments — no matter where you are in the world. Select the tab to see a full breakdown of countries and regions that support Apple Pay.

Bottom line

Apple Pay lets you make contactless payments using your iPhone, iPad, Apple Watch and Mac computer. There are many other digital wallets like Venmo and Paypal that you can use aside from Apple. Learn more about your digital wallet options and how they work.

Frequently asked questions

Does Chime accept Apple Pay?

Yes, you can add Chime cards to your Apple Wallet. Chime is also compatible with Google and Samsung Pay.

What types of cards can I add to Apple Pay?

Debit, credit and some gift cards are compatible with Apple Wallet. You can also add your driver’s license, state ID, insurance cards, transit tickets, event tickets, student IDs, plane boarding passes and much more.

Is Apple Pay safe?

Yes. Apple Pay takes a number of measures to keep sensitive data safe. It doesn’t retain any transaction information or store the card numbers you use with Apple Pay. It also encrypts all sensitive data transmitted through Apple’s servers.

Is Apple Cash the same as Apple Pay?

No, they’re not the same thing. Apple Cash is a digital card in Apple Wallet that lets you transfer funds to family and friends through iMessages. You can fund the card for peer-to-peer payments and transfer Daily Cash rewards you’ve earned from an Apple Card.

What is Apple Card?

Apple Card is a credit card backed by Goldman Sachs. It’s exclusively for iPhone users and offers cashback rewards and $0 annual fees. Once you’re approved, it’s automatically added to your Apple Wallet, but you can also request a physical Apple Card.

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To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
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Written by

Editor, Banking

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

Bethany's expertise
Bethany has written 437 Finder guides across topics including:
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