🎂 Turned 31 this year? Get health insurance before your price rises.
Get cover
shutterstock_1026207622_15

Australian banks with Google Pay

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

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.

Compare debit cards with Google Pay

Rates last updated June 24th, 2018
$
Name Product Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee Product Description
NAB Classic Banking with Platinum Visa Debit Card
Visa
$0
$0
$10 cashback on contactless purchases, $0 foreign transaction fee and complimentary travel insurance.
$10 monthly account fee.
Receive $10 cashback when you spend $1000 on contactless purchases. Complimentary travel insurance, transport accident insurance, purchase protection insurance and more when you meet eligibility criteria.
ING Orange Everyday Account
Visa
$0
$0
$75 cash bonus.
$0 monthly account fees.
Receive a $75 cash bonus if you open a new Orange Everyday account, enter the promotional code and deposit at least $1,000 within a calendar month and make 5+ card purchases (T&Cs apply). Get a competitive ongoing variable rate when linked with an ING Savings Maximiser.
HSBC Everyday Global Account
Visa
$0
$0
No foreign ATM or transaction fees.
$0 monthly account fee.
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies.
NAB Classic Banking
Visa
$0
$0
Impressive digital perks.
$0 monthly account fee.
Tap and pay with your NAB Visa Debit card, NAB Pay for Android or NAB PayTag for iPhone. Temporarily block your card at the touch of a button if you lose it.
HSBC Day to Day Transaction Account
Visa
$0
$0
Open an account and easily switch your regular payments over from your current bank.
$0 monthly account fee.
Through your linked Visa debit card, you can access exclusive shopping, travel and restaurant deals here and abroad through HSBC's home&Away Privilege Program.
MyState Everyday Account
Visa
$0
$2,000
A flexible option for day-to-day spending.
$6 waivable monthly account fee.
Monthly account fee waived if you deposit at least $2,000 a month or are 23 years or under. Apple Pay, Google Pay, Samsung Pay available.
ANZ Access Advantage
Visa
$0
$2,000
Pay with Apple Pay, Google Pay & Samsung Pay.
$5 waivable monthly account fee.
Monthly account fee waived if you deposit at least $2,000 a month, are under 25 or if you meet other eligibility criteria.

Compare up to 4 providers

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.

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
WestpacNoNo
ANZNoNoNo
NABNoNo
CommBank (CBA)NoNo
Bank AustraliaNoNoNo
Bank of SydneyNoNoNo
Bendigo BankNoNoNo
Beyond Bank AustraliaNoNoNo
Big Sky Building SocietyNoNoNo
Bank of Queensland (BAQ)No
CAPE Credit UnionNoNo
Australian UnityNoNoNo
BankwestNo
Catalyst MoneyNoNoNo
Central Murray Credit UnionNoNoNo
Central West Credit UnionNoNo
CitiNo
Community First Credit UnionNoNo
Credit Union AustraliaNo
Defence BankNo
Central Coast Credit UnionNoNoNo
Community Alliance Credit UnionNo
Credit Union SANoNo
Customs BankNoNo
CUANoNoNo
Defence BankNoNoNo
Endeavour Mutual BankNoNoNo
Family First Credit UnionNo
Firefighters Mutual BankNoNoNo
First Option Credit UnionNoNoNo
Ford Credit UnionNoNo
Goldfields MoneyNoNo
Goulburn Murray Credit UnionNoNo
Holiday Coast Credit UnionNoNoNo
Horizon Credit UnionNoNoNo
HSBCNoNo
INGNoNo
Illawarra Credit UnionNoNo
Intech Credit UnionNoNoNo
Laboratories Credit UnionNoNo
Latitude Financial ServicesNoNoNo
Lombard FinanceNo
Maritime Mining & Power Credit UnionNo
Macquarie BankNoNo
MyState BankNoNo
Nexus MutualNoNoNo
Northern Beaches Credit UnionNoNoNo
Northern Inland Credit UnionNoNo
Once CreditNo
P&N BankNoNoNo
People’s Choice Credit UnionNoNoNo
Police BankNoNoNo
Police Credit UnionNoNo
RACQNoNoNo
Reliance BankNoNo
South West Slopes Credit UnionNoNoNo
Sydney Credit UnionNoNoNo
SuncorpNo
Teachers Mutual BankNoNoNo
The MacNoNoNo
The RockNoNo
UniBankNoNoNo
Unity BankNoNo
Warwick Credit UnionNo
WAW Credit UnionNoNoNo
Woolworths Employees’ Credit UnionNoNoNo
Queenslanders Credit UnionNoNo
Virgin MoneyNo

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.

Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Ask a question
Go to site