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. Apple Pay performs two main tasks: Use it to charge purchases, including Apple purchases, to a credit card or debit card stored in the Apple Wallet app. Use it to send, receive, or transfer money. To send, receive, or transfer money normally requires you to use a debit card whose information you have loaded onto the Wallet app and is accessible to Apple Pay. The default debit card is the Apple Cash card, but you can use other debit cards as well. You can only pay bills using Apple Pay if the creditor accepts Apple Pay. That is, the creditor’s bill payment page must allow you to choose Apple Pay as a payment source.