How do I Buy Gas With an ATM Card?

ATM (Automated Teller Machine) cards allow the withdrawal and deposit of money to a savings, checking or other bank account connected to the card. Unlike a credit card, ATM cards use personal money that is placed in a checking or savings account, and there are no interest charges. With the advances in technology, ATM cards are usable for purchases, including gas.

Obtain an ATM card that has a logo on it. Logos for Visa, MasterCard, Discover or American Express show where the ATM card can and cannot be used for purchases. There are two types of ATM cards: those without logos are only usable at the bank’s ATM machines; those that have a logo are usable at any location that takes the type of card indicated by the logo.

Match the logo to a gas station. Gas stations usually take Visa and MasterCard ATM cards, but they might not always take Discover or American Express, depending on the type of machines they have and the payment types the gas station uses. Check that the gas station takes the card either by looking at the logos listed or asking the cashier if the station takes the card.

Place the ATM card in the card slot at the gas pump. Most machines require putting it in and then pulling it back out to read the magnetic strip.

Enter the PIN (personal identification number) for your ATM card when prompted to do so. The PIN is the number you set up to use at an ATM machine at your bank and consists of four digits.

Pump the gas once the card is accepted. Fill up the gas tank or fill up the gas to the preferred number of gallons. Obtain a receipt.


  • If your bank account has less money than the cost of the gas, the machine might reject the card. Otherwise, the bank might charge overdraft fees on your account.

    Banks usually put spending and withdrawal limits on ATM cards. Find out the limit by asking at the bank or looking through the paperwork that arrived with the card.