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.
Which banks support Google Pay?
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. Please note that some of these banks allow Google Pay with certain cards but not others. This may mean they allow Google Pay with their debit cards, but not their credit cards.
|Compatible with Google Pay||Not compatible with Google Pay|
|❌ Border Bank|
|❌ Central Murray Credit Union|
|❌ Family First Credit Union|
|❌ The Mac|
This list is up-to-date as of August 2023
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.
Google Pay currently works with contactless Mastercard, Visa and American Express credit and debit cards as well as several banks that offer EFTPOS.
Using Google Pay is essentially the same as using your physical bank card: anywhere you can tap and pay on a retailer's terminal, you can use your phone to make the purchase.
You can also use Google Pay to make payments online. When you go through checkout, you will see Google Pay as an option if it is available. You can use your fingerprint or passcode to approve the transaction.
Is Google Pay safe to use?
Google Pay uses the same technology as contactless credit cards and is just as secure at the checkout.
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.
How much does it cost to use Google Pay?
The good news is that there is no cost to using Google Pay! The app is free to download and you can add multiple debit or credit cards at no cost.
It's the same as a regular transaction with a physical card, where the cost is covered by the retailer, brand, business or trader that you're purchasing from.
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 them 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, you may also need to 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 may 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.
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