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Australian banks with Google Pay

Does your bank have Google Pay? Find out in this guide.

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Just like Apple Pay for iPhone users, Google Pay is the digital wallet for Android users. Google Pay enables you to make purchases in-store, online and within apps without using your physical debit or credit card. This guide will cover what Google Pay is and how to use it. It also includes a list of all the Australian banks that currently offer Google Pay.


Bank Account Offer

HSBC Everyday Global Account

HSBC Everyday Global Account

Bank Account Offer

Special offer: $100 cash bonus for new HSBC customers.
Earn 2% cashback on tap and pay purchases (T&C's apply).
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.

  • Monthly account fee: $0
  • Linked debit card: Visa
  • ATM withdrawal fee: $0
  • Overseas EFTPOS fee: 0%
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Compare debit cards with Google Pay

Data indicated here is updated regularly
$
Name Product Card access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee
HSBC Everyday Global Account
Visa
$0
$0
Special offer: $100 cash bonus for new HSBC customers.
Earn 2% cashback on tap and pay purchases (T&C's apply).
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.
NAB Classic Banking
Visa
$0
$0
Enjoy convenient, unlimited access to your money.
$0 monthly account fee.

Tap and pay with your NAB Visa Debit card or your phone using Apple Pay, Google Pay, Samsung Pay or NAB Pay for Android. Temporarily block your card at the touch of a button if you lose it.
Suncorp Everyday Options Account
Visa
$0
$0
Link up to 9 interest-earning sub accounts.
$0 monthly account keeping fees.
Earn interest on your linked sub accounts to help you save for individual goals, with no account fees to pay. Make contactless payments using Google Pay and Apple Pay.
MyState Bank Glide Account
Visa
$0
$0
Simplify your everyday banking with these sleek digital features.
$0 monthly account fee.
Choose the way you pay with access to Google, Samsung and Apple Pay plus Fitbit Pay and Garmin Pay. Send and receive money in less than 60 seconds with PayID.
P&N Bank & Transaction Account
Visa
$0
$0
Pay no monthly account keeping fee with no ongoing deposit conditions to meet. Link your Visa Debit card to Apple Pay, Google Pay or Samsung Pay to make contactless payments with your phone, and use PayID to send and receive money instantly.
CUA Everyday Snap Account
Visa
$0
$0
Refund of international ATM withdrawal fees and international card transaction fees (conditions apply). Refund of overdrawn fees.
$0 monthly account fee. Unlimited fee-free everyday transactions.
Apple Pay, Google Pay and Samsung Pay available. Savings Top Up tool automatically transfers to linked savings account.
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What is Google Pay?

Google Pay is a payments app that acts like your physical wallet, housing all your debit and credit cards as well as loyalty cards, tickets and coupons. You can use the digital wallet to make contactless purchases in stores and online just like you would with your physical debit card, except the app enables you to make these purchases using just your smartphone or Android device. The beauty of Google Pay is that you can travel lightly with just your phone and still make purchases – no cash or card needed.

Finder data shows that 30% of Australians have their debit or credit card connected to their smartphone or watch, while a further 10% plan to in the near future.

What happened to Android Pay and Google Wallet?

Don’t be confused about Android Pay and Google Wallet, Google has rebranded these as Google Pay. Google launched Android Pay in 2015 but rebranded to Google Pay in early 2018 to avoid confusion. Now, all of Google’s digital payment features are under the one name: Google Pay.

Australian banks that offer Google Pay

See the Australian banks that offer Google Pay, Samsung Pay and/or Apple Pay in the table below.

Bank Apple PaySamsung PayGoogle Pay
WestpacNoNoNo
ANZNoNoNo
NABNoNoNo
CommBank (CBA)NoNoNo
Bank AustraliaNoNoNo
Bank of SydneyNoNoNo
Bendigo BankNoNoNo
Beyond Bank AustraliaNoNoNo
Big Sky Building SocietyNoNoNo
Bank of Queensland (BAQ)No
CAPE Credit UnionNoNo
Australian UnityNoNoNo
AWA Alliance BankNoNo
AMPNo
BankwestNoNo
Bank FirstNo
Bank of Heritage IsleNoNo
Bank of Queensland SpecialistNo
Bank of MelbourneNoNo
BankSANoNo
BankVicNo
BDCU Alliance BankNoNo
Broken Hill Community Credit UnionNoNo
Catalyst MoneyNoNoNo
Central Murray Credit UnionNoNoNo
Central West Credit UnionNoNo
CitiNo
CIRCLE Alliance BankNoNo
Community First Credit UnionNoNo
Central Coast Credit UnionNoNoNo
Community Alliance Credit UnionNo
Credit Union SANoNo
Border BankNoNo
CUANoNoNo
Customs BankNo
Defence BankNoNoNo
Endeavour Mutual BankNoNoNo
Family First Credit UnionNo
Firefighters Mutual BankNoNoNo
First Option Credit UnionNoNoNo
Ford Credit UnionNoNo
Geelong BankNo
Goldfields MoneyNoNo
Goulburn Murray Credit UnionNoNo
HayNoNo
Health Professionals BankNoNo
Heritage BankNoNoNo
Holiday Coast Credit UnionNoNoNo
Horizon Credit UnionNoNoNo
HSBCNoNo
Hume BankNo
INGNoNo
Illawarra Credit UnionNoNo
Intech Credit UnionNoNoNo
Laboratories Credit UnionNoNo
Latitude Financial ServicesNoNoNo
Lombard FinanceNo
Maritime Mining & Power Credit UnionNo
Macquarie BankNoNo
ME BankNoNo
Move BankNo
MyState BankNoNoNo
Nexus MutualNoNoNo
Northern Beaches Credit UnionNoNoNo
Northern Inland Credit UnionNoNo
Nova Alliance BankNoNo
Once CreditNo
Orange Credit UnionNoNo
P&N BankNoNoNo
People’s Choice Credit UnionNoNoNo
Police BankNoNoNo
Police Credit UnionNoNo
QbankNo
Qudos BankNo
RACQNoNoNo
Reliance BankNoNo
RevolutNoNo
SERVICE ONE Alliance BankNoNo
South West Slopes Credit UnionNoNoNo
SpriggyNo
St. George BankNoNo
Sydney Credit UnionNoNoNo
SuncorpNoNoNo
Teachers Mutual BankNoNoNo
The MacNoNoNo
The RockNoNo
TransferwiseNoNoNo
UniBankNoNoNo
UBankNoNoNo
Unity BankNoNo
UpNoNoNo
Warwick Credit UnionNo
WAW Credit UnionNoNoNo
Woolworths Employees’ Credit UnionNoNoNo
Queenslanders Credit UnionNoNo
Virgin MoneyNo
XinjaNoNo
86 400NoNoNo

So how does Google Pay work?

Within the Google Pay app, you’ll see a tab titled “Cards”. This is where all your cards are stored, including your debit and credit card. In the same way that you can use your physical debit card to make contactless tap-and-go purchases in stores, you can use Google Pay to tap your smartphone on an EFTPOS terminal without entering a pin.

Using near field communication (NFC), the phone connects with the payment terminal when they’re held close together, allowing the payment to be processed. Think of it like an invisible mini-bridge between your phone and the EFTPOS terminal that allows the data to travel between each device. The chip within your device communicates to the chip within the payment terminal, sending messages back and forth via the mini, invisible bridge.

Where can you use Google Pay?

Google Pay is accepted at millions of places worldwide. You can use Google Pay in any stores that already enable tap-and-go payments, which is almost everywhere these days. You can also use Google Pay to make purchases within a large number of popular apps, such as Deliveroo and Wish as well as on websites like JB Hi-Fi. When using Google Pay to make purchases online, you avoid having to manually enter your card details each time you make a transaction. If you’re not sure if a particular merchant accepts Google Pay, just look for the Google Pay symbol or the contactless payment symbol.

Which devices support Google Pay?

Google Pay is supported by all Android devices that have the operating system 4.4 (KitKat) and above. You can also use Google Pay on a compatible Android Wear 2.0 smartwatch.

Google Pay is only available on Android devices and is not available on iPhones, Mac computers or Apple Watches.

How to set up Google Pay on your smartphone

Setting up Google Pay only takes a few easy steps, and you can start making contactless payments right away.

  1. Ensure you have an eligible device and debit card. You’ll need to have an Android smartphone that supports the operating system 4.4 or above. Plus, check to make sure your current bank offers Google Pay by searching the list above.
  2. Download the app. Go to your Google play store and download the Google Pay app.
  3. Add your debit card. Select the “Add debit card” option within the app. You can take a photo of your card instead of manually entering in all the numbers (although you can enter the numbers manually, if you’d like to). You’ll receive a text to verify your identity, then you’re all set to go.

How do I use Google Pay once it’s installed?

Once you’ve got the Google Pay app set up on your smartphone, it’s easy to make contactless payments in stores without your debit card or cash. All you need to do is wake up your phone, hold it over the EFTPOS terminal and wait until you see a tick appear on the screen to let you know the payment was approved. You don’t need to open the Google Pay app, and the whole process takes less than five seconds to complete.

If you’re making a purchase within an app or on a website, simply select the Google Pay option at the checkout. The app will use your default card details to pay for the transaction, without the need to enter in your details again.

Is Google Pay safe?

You can sleep easy knowing that yes, Google Pay is incredibly safe. In fact, Google operates one of the most advanced security systems in the world. When you use Google Pay to pay for things in-store, like your morning coffee, the app doesn’t share your debit card number with the merchant. Instead it shares a unique encrypted transaction number along with a number specific to your device to validate the payment.

And if you lose the phone itself, you can simply lock it remotely from a web browser by logging into your Google account. Or, you can use your mobile banking app to lock your debit card temporarily. So, Google Pay is actually safer than using your traditional debit or credit card in some ways.

How do I use Google Pay on my Android watch?

If Google Pay is supported on your smartwatch, the app will already be on the watch. Open the app on your watch and select the “Get started” option. You’ll then need to use your phone to add a debit card to your watch. When done successfully, your card will appear within the Google Pay app on your watch. Note, you’ll need to set up a PIN for your watch in order for Google Pay to work.

You can now use the watch to make contactless payments in stores. Hover your wrist over the payment terminal, the same way that you’d use your phone or debit card to tap and go. However, unlike using Google Pay on your smartphone, when using your watch to pay, you do need to open the Google Pay app. You’ll feel a vibration from the watch when the transaction has worked.

Pros and Cons of using Google Pay

Pros

  • It’s more secure than using your debit card or cash.
  • You can travel light without carrying a physical wallet.
  • You can use it to make purchases in-store, within apps and online.
  • It’s not as limited as Apple Pay since you can use it on a large number of Android devices.

Cons

  • You need an eligible device; it does not work on iPhones.
  • Not all banks offer Google Pay yet.

What are Apple Pay and Samsung Pay?

Apple Pay is the digital wallet offered by tech giant Apple, which is for iPhone users and other Apple devices including Apple Watch. Samsung Pay is exclusively for Samsung devices, although Google Pay will also work on a large majority of Samsung devices.

If you’ve got an iPhone or Samsung device, you can check out our Apple Pay or Samsung Pay guides to learn more about these digital wallet options.

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