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 Bank
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 is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio
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Rebecca Pike is Finder’s senior money writer, with over 10 years of experience in mortgages and personal finance. A frequent TV and radio commentator, she frequently appears on Sunrise, A Current Affair, 9News, and Sky News, and contributes expert analysis to publications like Yahoo Finance and The Latch. Rebecca previously served as Editor of Mortgage Professional Australia. She has a Master’s degree in Journalism as well as ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, which comply with ASIC guidelines. See full bio
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While a credit card is linked with a line of credit, a debit card is connected to your own money. Compare the differences between the card types in this guide.
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