For most services, Apple Pay is free, with no annual fee or other nuisance costs. This includes both card-present and card-not-present transactions using either a credit card or a debit card. Merchants have the option of tacking on a fee for Apple Pay purchases just as they can for plastic credit cards. Merchants that offer cash discounts may not include Apple Pay customers. Apple Pay can be used to transfer money to someone using a credit card linked to the digital wallet. The cost for this service is 3% of the money transferred. There is no charge if you use a debit card for the transfer. You can use Apple Pay at most cardless ATMs, including the ones at Chase, Bank of America, and Wells Fargo. To use Apple Pay at an ATM, tap the mobile device on the contactless reader symbol and then enter the card’s PIN. You can use Apple Pay at ATMs from select banks that use near-field communication. Photo source: TechCrunch This only works on ATMs that use near-field communication protocols. The short answer is no but requires some explanation.