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Banks with Samsung Pay in Germany

Check if your bank offers Samsung Pay and learn how to use the digital wallet to make contactless purchases.

Samsung Pay is a secure mobile payment service that allows you to make contactless purchases in-store or online using just your Samsung devices, without the bulkiness of your wallet or physical cards. Learn how Samsung Pay works, how to set it up and how it compares to other digital wallet solutions in this guide, plus see a comprehensive list of the banks in Germany that currently offer Samsung Pay.

Banks offering Samsung Pay in Germany

Bank / AnbieterSamsung PayApple PayGoogle Pay
1822direktYesNoYes
Advanzia BankNoYesYes
American ExpressNoYesNo
Augsburger AktienbankNoYesYes
BarclaycardNoYesYes
Bank of AmericaNoYesNo
BBBankNoYesNo
boon.NoNoYes
bunqNoYesYes
BW-BankNoNoYes
C24NoYesYes
comdirectYesYesYes
CommerzbankYesYesYes
ConsorsbankNoYesYes
CrosscardNoYesNo
CurveNoYesYes
Deutsche BankYesYesNo
DKBYesYesYes
Fidor BankYesYesNo
FleetmoneyNoYesNo
Hanseatic BankNoYesYes
HVBNoYesNo
iCardNoYesNo
INGNoYesYes
KlarnaNoYesYes
Kontist YesYesYes
LandesbankNoYesYes
LBBNoYesYes
LBBWNoYesNo
MLP BankingNoYesNo
MoneseNoYesYes
N26YesYesYes
NetbankNoYesYes
NorisbankNoYesNo
Nuri (Bitwala)YesYesYes
02 BankingNoYesNo
OLBNoYesNo
OpenbankYesYesYes
PentaNoNoYes
PleoNoYesYes
PSD BankenNoYesNo
QontoNoNoYes
RevolutNoYesYes
Solaris BankNoYesNo
Sparda BankNoYesNo
SparkasseNoYesNo
StaxterNoNoYes
StocardNoYesNo
TomorrowYesYesYes
Triodos BankNoYesNo
ViabuyNoYesNo
VIMPayNoYesYes
Viva WalletNoYesYes
Vivid MoneyNoNoYes
Volkswagon Financial ServicesNoNoYes
Wise (formerly TransferWise)NoYesYes
Zen.comNoYesYes

What is Samsung Pay?

Samsung Pay is a digital wallet that works with specific Samsung devices, allowing them to communicate with payment terminals at most retailers. Like a physical wallet, this Android app allows you to store debit (not credit) cards, as well as other barcode-based loyalty and membership cards. However, instead of actually storing the cards issued by your bank, Samsung Pay will issue a virtual Visa debit card that you can then link to your account. By doing so, you will be able to connect your German bank account to Samsung Pay.

How does Samsung Pay work?

Simply put, Samsung Pay is a digital version of your existing wallet that stores all your card information securely. By downloading Samsung Pay, you can make purchases by tapping your phone or smartwatch on the terminal in the same way that you’d use your debit card to make a contactless payment.

To get a bit more technical, Samsung Pay uses a new proprietary technology called the Magnetic Secure Transmission (MST) and Near Field Communication (NFC), which utilises a chip embedded within your smartphone to connect to a terminal in place of your debit card. This chip communicates to a merchant’s point-of-sale terminal within seconds and enables the payment to be processed in the same way a debit card works.

How to add your bank account to Samsung Pay

You may add and manage up to 10 virtual debit cards on your device in just a few steps:

  1. Check compatibility. To set up Samsung Pay, you’ll first need to make sure you have an eligible phone. The bank which issued your card does not matter as all banks in Germany are eligible for Samsung Pay.
  2. Launch the app. Tap on the Samsung Pay app to begin. Register and create a Samsung Pay account.
  3. Navigate to Menu. Click on ‘Menu’ located in the top left corner.
  4. Add your credit/debit card. Upon registering, you will receive a virtual Visa debit card. Click ‘Next’ and connect your bank account.
  5. Verify your bank account details. You’ll be prompted to authorise a small transaction to your Samsung Pay account which will verify your account.
  6. Start using Samsung Pay. Once your card is verified, you’ll be able to make payments through Samsung Pay.

Can I use Samsung Pay if I travel abroad?

Samsung Pay works at any store or ATM where your physical card would be accepted. If your card issuer lets you use your physical card when travelling outside Germany, the digital card in Samsung Pay should work as well. Do note that the card issuer’s terms and conditions will still apply to all foreign purchases made using Samsung Pay.

Click the tab to see a full breakdown of countries and regions that support Samsung Pay.

How do I use Samsung Pay?

To pay for your purchases with Samsung Pay, you’ll be required to complete a three-step payment process, which typically only takes a couple of seconds in total:

  1. Launch Samsung Pay. Swipe up from the bottom of your screen to launch Samsung Pay.
  2. Authorise your transaction. Complete a simple transaction verification by using your fingerprint, face ID or PIN.
  3. Tap your device. Once verified, proceed with the payment by tapping or hovering your phone above the contactless terminal

Is Samsung Pay safe?

Absolutely! When you add a card to Samsung Pay, rest assured that your card details are not actually stored directly on the device.

Instead, the app uses tokenisation to complete your transactions. This means that each time a purchase a made, your device sends two pieces of data to the payment terminal — a 16-digit token that represents the credit or debit card number, and a one-time code generated by your phone’s encryption key.

So in many ways, it’s actually safer compared to using your physical debit card to make purchases since you won’t risk misplacing your card or leave it visible for others to copy your card’s number.

Compare debit cards with Samsung Pay

1 - 19 of 19
Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies Mobile payments
DKB-Cash: Free current account
  • Management Fee

    0 €

  • Card delivery

    Up to 7 business days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 7 business days

1

Samsung Pay, Apple Pay, Google Pay
A current account with fees that comes with a free Visa credit card and free cash withdrawals worldwide.
Openbank Free Current Account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

Samsung Pay, Apple Pay, Google Pay
A free current account with free euro transfers within the eurozone. Includes a debit card with free cash withdrawals worldwide.
Nuri Bank Account
  • Management Fee

    0 €

  • Card delivery

    Up to 14 days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 14 days

1

Samsung Pay, Apple Pay, Google Pay

Receive €10 when you apply for a Nuri bank account and card. T&C applies

A unique bank account and crypto-wallet managed through a user-friendly app with real-time spending notifications. Includes a free digital Mastercard.
Commerzbank StartKonto
  • Management Fee

    0 €

  • Card delivery

    3 to 4 business days

  • Supported currencies

    1

  • Mobile payments

0 €
3 to 4 business days

1

Samsung Pay, Apple Pay, Google Pay
A free current account for young people with a free Young Visa credit card. Cashbacks and discounts in more than 2,000 online shops.
N26 Metal
  • Management Fee

    16.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

16.90 €
Up to 10 working days

1

Samsung Pay, Apple Pay, Google Pay
Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
N26 Smart
  • Management Fee

    4.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

4.90 €
Up to 10 working days

1

Samsung Pay, Apple Pay, Google Pay
A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Comdirect Bank Current Account
  • Management Fee

    4.90 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

4.90 €
N/A

1

Samsung Pay, Apple Pay, Google Pay
A current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
N26 Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 10 working days

1

Samsung Pay, Apple Pay, Google Pay
Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
N26 You
  • Management Fee

    9.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

9.90 €
Up to 10 working days

1

Samsung Pay, Apple Pay, Google Pay
A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
Commerzbank Free current account
  • Management Fee

    0 €

  • Card delivery

    3 to 4 business days

  • Supported currencies

    1

  • Mobile payments

0 €
3 to 4 business days

1

Samsung Pay, Apple Pay, Google Pay

Receive €100 starting credit after 3 months of account activity

A current account with 0 € fees and cashback at select Shell petrol stations. Includes a Mastercard Classic credit card.
Bank Cler Youth account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

Samsung Pay, Apple Pay, Google Pay
Earn interest on your balance and transact conveniently with this free current account designed for youths below 20 years old.
Santander BestGiro Account
Santander BestGiro Account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

Samsung Pay, Apple Pay, Google Pay
This current account offers real-time online transfers, contactless payments and charges no account management fees.
Bank Cler Private account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

Samsung Pay, Apple Pay, Google Pay
This account offers a multitude of digital banking services with no withdrawal restrictions, making it ideal for day-to-day payments and salary credit.
Santander 1|2|3 Giro Current account
Santander 1|2|3 Giro Current account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

Samsung Pay, Apple Pay, Google Pay
Unlock loyalty bonus when you meet requirements such as salary credit, debit payments, maintain a paid deposit or construction loan.
Commerzbank Premium account
  • Management Fee

    12.90 €

  • Card delivery

    3 to 4 business days

  • Supported currencies

    1

  • Mobile payments

12.90 €
3 to 4 business days

1

Samsung Pay, Apple Pay, Google Pay
A premium account with travel benefits and insurance coverage. Free transfers, free cash withdrawals and up to four premium credit cards.
Bank Cler Foreign currency account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    3

  • Mobile payments

0 €
N/A

3

Samsung Pay, Apple Pay, Google Pay
With competitive FX rates and no withdrawal restrictions, this account is ideal for those who frequently invest or transact in foreign currency.
Bank Cler Private account euro
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    2

  • Mobile payments

0 €
N/A

2

Samsung Pay, Apple Pay, Google Pay
Transact or invest in Euros without having to worry about FX risks.
Santander Free student account
Santander Free student account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

Samsung Pay, Apple Pay, Google Pay
From free withdrawals to online banking features, this free student account is designed to ease your personal finance management while you’re in school.
Commerzbank Classic
  • Management Fee

    6.90 €

  • Card delivery

    3 to 4 business days

  • Supported currencies

    1

  • Mobile payments

6.90 €
3 to 4 business days

1

Samsung Pay, Apple Pay, Google Pay
A full-service current account with no monthly minimum payment. Includes two Mastercard debit cards and a starting bonus.
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Compare up to 4 providers

How do I use Samsung Pay on my Samsung Watch?

With Samsung Watch, you can make payments conveniently with a simple flick of your wrist. The benefit of a Samsung Watch is that you can travel even lighter, meaning you can still make purchases without your physical wallet or even your phone.

An example of when a Samsung Watch would be handy is if you’re going for a run and you don’t want to have to carry your phone with you, but you’d like to be able to purchase a post-run meal.

To use Samsung Pay on your Samsung Watch, you’ll first need to add your card to the watch. You can do this via the Galaxy Wearables app on your phone. Once your card is successfully added, you can use your Samsung Watch to make purchases.

How to make purchases quickly and easily with Samsung Pay:

  1. Simply hold down the ‘Back’ key on your watch
  2. Enter your 4 digit PIN
  3. Select the card you would like to pay by tapping on the ‘Pay’ button
  4. Hover your watch over the NFC terminal to successfully complete the transaction (you’ll need to complete the payment within 60 seconds)
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