Google Pay is a payment service from Google that lets you make purchases straight from your phone (or another compatible device) – without having to pull out your actual wallet or a card. Google Pay can be used with selected Visa, Mastercard and American Express credit cards from participating financial institutions, including ANZ, American Express, CommBank, NAB and Westpac.
If you already use a credit card and want to add it to Google Pay, you can check if your provider is supported using the table below. Plus, get details on how to add or remove payment details through your Google Pay account – and how your payments are protected.
Google Pay initially launched with 28 bank partners in Australia and has continued to add partners since then. The table and list below outlines the major participating banks and financial institutions.
Banks with Google Pay
Banks without Google Pay
Bank of Melbourne
❌ Qantas Money
❌ Virgin Money
Beyond Bank Australia
Community First Credit Union
AWA Alliance Bank
Bank of Heritage Isle
Bank of Sydney
BDCU Alliance Bank
Central Murray Credit Union Ltd
Central West Credit Union Limited
Circle Alliance Bank
Credit Union Australia Ltd.
Credit Union SA Ltd
Defence Bank Limited
Endeavour Mutual Bank
Family First Credit Union Limited
Firefighters Mutual Bank
First Option Bank Ltd
Goulburn Murray Credit Union Co-Op Limited
Health Professionals Bank
Holiday Coast Credit Union Ltd
Horizon Credit Union Ltd
Illawarra Credit Union
Intech Credit Union Limited
Latitude Financial Services
Laboratories Credit Union Limited
Maritime, Mining & Power Credit Union Ltd
Myer Credit Card
Mystate Bank Limited
Northern Beaches Credit Union
Northern Inland Credit Union Limited
Nova Alliance Bank
Orange Credit Union Limited
People's Choice Credit Union Ltd
P & N Bank
Police Bank Limited
Police Credit Union
Queenslanders Credit Union Limited
Service One Alliance Bank
South West Slopes Credit Union Ltd
Sydney Credit Union Ltd
Teachers Mutual Bank Limited
WAW Credit Union Co-Operative Limited
Woolworths Team Bank
How does Google Pay work?
Google Pay uses the NFC (Near Field Communication) chips found in many Android smartphones to allow cardholders to make payments directly from their phone. Instead of getting out your wallet and credit card, you simply unlock your phone and tap it on contactless terminals.
If your card is connected to a loyalty program, any eligible purchases you make with Google Pay will automatically earn points for your rewards account. You can also use Google Pay to make payments online.
Google Pay currently works with contactless Mastercard, Visa and American Express credit and debit cards. However, Google is also looking to integrate it with EFTPOS, which could broaden the types of accounts you could use with Google Pay.
In fact, Google Pay could be considered more secure as it doesn’t send your credit or debit card number with your payment. Instead, it uses an encrypted virtual account number to represent your account details.
This means that your card details aren’t stored on your phone or on the Google Pay app. If you do suspect any suspicious activity on your account, you can also use the Google Pay app to track your transaction history. With the merchant’s name and number, you can monitor and flag suspicious activity.
If your card is lost or stolen, you can also use Android Device Manager to instantly lock your phone from anywhere, secure it with a new password or wipe it clean of your personal information. These features prevent anyone from using your phone for contactless payments.
How to add a credit or debit card to Google Pay
Open the Google Pay app
At the bottom right, tap Add and then Payment method
Use the camera to upload your card details or type it in manually
If you're asked to verify your payment method, choose an option from the list and then enter the verification code
Next to your new card, select Enable contactless
How to remove a credit or debit card from Google Pay
Open the Google Pay app
At the top left, click Menu and then choose Payment methods
Select the card(s) you want to remove
At the top right, tap More and then Remove payment method
What if my credit card is not supported by Google Pay?
If you have a credit card that's not currently compatible with Google Pay, you won't be able to add it as a payment method in the app. But depending on your card and phone, you could be able to make mobile payments through another app.
For example, while Coles Mastercard credit cards are not currently supported by Google Pay, they are supported by Samsung Pay or Apple Pay if you have a mobile device that works with either of those apps.
Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.
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