Step-by-Step Guide for Using a Digital Card with Contactless ATMs:
1. Open Apple Pay (or your digital wallet):
Start by opening the Apple Pay app (or another compatible digital wallet) on your phone.
2. Prepare the Card for Use:
Select the card you want to use, just as you would when preparing to make a purchase at a Point of Sale (POS) terminal.
3. Authenticate Using 3DS:
Use the 3D Secure (3DS) authentication process. This is the same process you use when making payments at other POS terminals.
4. Hold Your Phone Near the ATM’s Contactless Area:
Bring your phone close to the contactless reader area of the ATM.
5. Enter Your PIN:
Once the ATM recognizes your card, it will immediately prompt you to enter your card’s PIN for verification.
6. Select the Option to Withdraw Cash:
The ATM will give you the option to withdraw cash. No other ATM options will be presented besides cash withdrawal.
7. Choose the Withdrawal Amount:
Enter the amount of cash you want to withdraw. In the example provided, the ATM allowed withdrawals up to €600.
8. Decline Currency Conversion (if applicable):
If the ATM offers to take care of currency conversion for you, it’s recommended to decline as this can incur additional fees that are unnecessary.
9. Complete the Withdrawal:
Once the transaction is confirmed, the ATM will dispense the cash. You’re done!
Additional Notes:
•Extra Fees:
There may be an extra fee of approximately 4% on top of the usual VISA conversion fees. For example, around 2% is from Kast, but there might be additional fees from the ATM or bank.