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.
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
American Express
Coles
❌ Border Bank
ANZ
CommBank
❌ Central Murray Credit Union
Bank Australia
HSBC
❌ Family First Credit Union
Bank of Melbourne
Kogan Money
❌ Myer
BankSA
NAB
❌ The Mac
Bankwest
Qantas Money
Bendigo Bank
St.George
Beyond Bank
Suncorp
BOQ
Virgin Money
Citi
Westpac
This list is up-to-date as of August 2023
AMP Bank
Archa
Australian Military Bank
Australian Mutual Bank
Australian Unity
Auswide Bank
AWA Alliance Bank
Bank First
Bank of Heritage Isle
Bank of Sydney
Bank of us
BankVic
BankWAW
BCU
BOQ Specialist Bank
Central West Credit Union Limited
Coastline Credit Union
Community First Bank
Credit Union Australia Ltd.
Credit Union SA
Defence Bank
Easy Street
EML Payment Solution Ltd.
Firefighters Mutual Bank
First Option Bank
G&C Mutual Bank
Geelong Bank
Goldfields Money
Goulburn Murray Credit Union
Great Southern Bank
Greater Bank
Health Professionals Bank
Heritage Bank
Horizon Bank
Hume Bank
humm
Illawarra Credit Union
IMB Bank
ING
Laboratories Credit Union Limited
Latitude Financial Services
Macquarie Bank
ME Bank
Move Bank
Mystate Bank Limited
Newcastle Permanent
Northern Inland Credit Union
Orange Credit Union
P&N Bank
People's Choice Credit Union
Police Bank
Police Credit Union
QBank
Qpay
Qudos Bank
Queensland Country Bank
RACQ
Regional Australia Bank
Reliance Bank
South West Slopes Bank
Southern Cross Credit Union
Southern Cross Credit Union
Sydney Credit Union Ltd.
Teachers Mutual Bank
The Broken Hill Community Credit Union Ltd
The Mutual Bank
UBank
UniBank
Unity Bank
Up Money
Volopay
Warwick Credit Union Ltd.
Weel
WizitMoney
Woolworths
Woolworths Team Bank
Our expert says
"Once I started using Google Pay I left my wallet at home and never took it out again. The convenience of using your phone to pay for everything is amazing and I wouldn't even consider a credit card nowadays if it didn't work with Google Pay."
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.
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 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.
Amy Bradney-George was the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 16 years of editorial experience and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald. See full bio
Amy's expertise
Amy has written 564 Finder guides across topics including:
Rebecca Pike is Finder's senior writer for money. She joined Finder after almost four years writing for business publications in the mortgage and finance industry, including three years as editor of Mortgage Professional Australia. She regularly appears as a money expert on programs like Sunrise and Today, as well as across radio and newspapers. She also holds ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products. See full bio
Rebecca's expertise
Rebecca has written 197 Finder guides across topics including:
Calculate how much you're paying in interest based on your current credit card repayments and discover how much you should pay each month to meet your financial goal.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
and then choose Payment methods
and then Remove payment method