Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Banks with Google Pay in Germany

The banks that let you pay conveniently with your smartphone.

Google Pay is a digital wallet and online payment system for Android (the equivalent of Apple Pay for iPhone users) which allows you to make purchases in-store, online and in mobile applications without having to use your physical debit or credit card.

This guide explains what Google Pay is, how to use it, and also includes a list of banks in Germany that are compatible with it.

Banks in Germany with cards that support Google Pay

*Note: Not every provider in the below list is licenced as a “bank”.

Bank / ProviderApple PayGoogle Pay
1822NoYes
Advanzia BankYesYes
American ExpressYesNo
Augsburger AktienbankYesYes
BarclaycardYesYes
Bank of AmericaYesNo
BBBankYesNo
boon.NoYes
bunqYesYes
BW-BankNoYes
C24YesYes
comdirectYesYes
CommerzbankYesYes
ConsorsbankYesYes
CrosscardYesNo
CurveYesYes
Deutsche BankYesNo
DKBYesYes
Fidor BankYesNo
FleetmoneyYesNo
Hanseatic BankYesYes
HVBYesNo
iCardYesNo
INGYesYes
KlarnaYesYes
LandesbankYesYes
LBBYesYes
LBBWYesNo
MLP BankingYesNo
MoneseYesYes
N26YesYes
NetbankYesYes
NorisbankYesNo
02 BankingYesNo
OLBYesNo
OpenbankYesYes
PentaNoYes
PleoYesYes
PSD BankenYesNo
QontoNoYes
RevolutYesYes
Solaris BankYesNo
Sparda BankYesNo
SparkasseYesNo
StaxterNoYes
StocardYesNo
TomorrowYesYes
Triodos BankYesNo
ViabuyYesNo
VIMPayYesYes
Viva WalletYesYes
Vivid MoneyNoYes
Volkswagon Financial ServicesNoYes
Wise (formerly TransferWise)YesYes
Zen.comYesYes

What is Google Pay?

Google Pay is a payment application that allows you to make online and in-store purchases directly with your Android device.

It functions in the same way as a physical wallet, automatically syncing all your saved bank cards wherever your Google account is logged in for quick payments. This means that you’ll no longer have to fill in your card details every time you make payment.

In addition, Google Pay also imports loyalty cards, tickets and offers from your Gmail account, so contents you normally crammed into bulky wallets are now compressed into a tidy digital space.

How does Google Pay work?

Just like how contactless payments are conducted when you “tap” or hold your physical bank cards close to the payment terminal, settling your bill with Google Pay only requires you to bring your configured smartphone to the payment terminal to complete your purchase.

Near-field communication (NFC)

Google Pay uses near-field communication (NFC) to connect your smartphone to the payment terminal when one is held close to the other. The concept is similar to WiFi, except that the distance and duration of the connection for payment NFC are very limited, keeping the process secure.

Tokenisation

During payment, the chip in your device communicates with the chip in the payment terminal to relay the information needed to complete the purchase. Your card data is sent to the payment terminal through a process called tokenisation, which utilises a token to stand in for a customer’s actual credit and debit card numbers.

When the system detects your virtual account number, it’ll send it to your bank for verification. Upon receiving confirmation from your bank, the transaction will be complete. This entire process only takes a couple of seconds.

Where can I use Google Pay?

Google Pay can be used by millions of merchants around the world, including all stores that accept contactless payments, with online merchants and in many mobile apps.

Whether it’s your local coffee shop, pharmacies, restaurants, petrol stations or other retailers, all you need is the Google Pay app downloaded on an eligible Android phone to make payment with ease. The store just needs to accept contactless payments for you to use it.

Another way to be certain if a merchant accepts Google Pay is to check for the contactless payment or Google Pay symbols that are typically displayed at the store entrance or during checkout:

Contactless logo

Google Pay symbol

Terminal logo

Contactless symbol

Tap and pay

Tap and pay

Where is Google Pay accepted in Germany?

Google Pay may be used at retail outlets with an NFC card reader, which includes ALDI-SOUTH, Kaufland, McDonald’s, Adidas and more.

You can also use Google Pay for online purchases or stores including Adidas, ASOS, and Deliveroo. Though Google Pay has only been available in Germany since 2018, it is already accepted by thousands of merchants within Germany and millions more around the world.

Which devices are compatible with Google Pay?

Google Pay is only compatible with Android devices, specifically devices running Lollipop 5.0 and higher. You can also set up Google Pay on any smartwatch on Wear OS.

How to set Google Pay up on your smartphone

Setting up Google Pay is simple and only takes a few minutes. Once configured, you can use your newly added card to make contactless payments right away:

  1. Check compatibility. You’ll need a compatible bank card and Android smartphone with the operating system Lollipop 5.0 or later.
  2. Download the app. You can download Google Pay from the Google Play store (or App Store for iOS devices). Launch the app to begin.
  3. Add your credit/debit card. Tap on ‘Payment’ at the bottom of the screen. Then tap the add icon Addand then click ‘Add a debit or credit card’. Use the camera to capture your card info or input them manually. You may be asked to validate your new payment method, simply choose an option from the list and follow the instructions.
  4. Verification. Your card provider may want to verify your payment method by email, text or phone. Select your preferred method of verification and enter the verification code.
  5. Set up screen lock. Google Pay works with PIN, pattern, password, fingerprint, or retina scanning screen locks. Facial recognition or screen locks like Smart Unlock or Knock to Unlock are not supported.

Once the card has been added, you may see a small charge on your account from Google Pay. This is to check the validity of your card and will quickly disappear without affecting your balance.

Eligibility

You must be at least 16 years old to use Google Pay. If you’re under age 18, you’ll need a parent or legal guardian’s permission before you can accept the terms and conditions and use the app.

How do I use Google Pay once it’s installed?

Once you’ve successfully set up Google Pay on your device, making contactless payments online or in-store is only a matter of seconds:

  • In-store payments. Simply unlock your phone (no need to launch the Google Pay app) and hold the back of your smartphone close to the payment terminal until you see a blue check tick indicating that the payment is successful.
  • Online or in-app payments. Select the Google Pay option upon checkout. Your default payment card will automatically be charged, without having to re-enter your details.

Is Google Pay safe?

You can sleep easy knowing that yes, Google Pay is incredibly safe. In fact, Google operates one of the most advanced security systems in the world, protecting your payment info with multiple layers of security.

Here are some of its most prominent security features:

  • Encrypted transaction number. Google Pay app doesn’t share your physical card details with the merchant. Instead, it shares an encrypted virtual account number assigned to your card, as well as a number specific to your device to complete the payment.
  • Short range data transfer. Near-field communication (NFC) only works within a few inches of another device, which prevents your data from being stolen.
  • Remote device lock. If you lose your device, you may lock it remotely by logging into your Google Account from your computer’s browser. Alternatively, you can also freeze your card from your bank’s website.
  • Server security. Powerful built-in security detects and blocks online threats such as spam, malware, and viruses from compromising your personal information.

Bottom line

With Google Pay, you can make in-store and online purchases using your mobile device as a digital wallet.

It’s a safe, easy-to-use contactless payment system that works in numerous countries across the world – but note that it only works on Android devices and with eligible debit and credit cards.

Compare debit cards with Google Pay

Name Product Management Fee Card delivery Supported currencies Mobile payments
TARGOBANK Online-Account
3.95 €
N/A

1

Apple Pay, Google Pay
An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.
1822MOBILE Current Account
1822MOBILE Current Account
0 €
N/A

1

Apple Pay, Google Pay
Free account management, €20 when you open an account, up to €100 referral bonus and a free savings bank card: your current account 1822MOBILE offers all of this.
DKB-Cash: Free current account
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.
Norisbank Top Current Account
0 €
5 to 7 working days

1

Apple Pay
Benefit from a 0 € account fee, free Maestro card and free cash withdrawals from thousands of locations worldwide.
loading

Compare up to 4 providers

Please note these products are not licenced as banks. Check our product review pages for details.
Name Product Management Fee Card delivery Supported currencies Mobile payments
Wirex Standard
0 €
Up to 4 business days

12

Apple Pay, Google Pay

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
Revolut Standard
0 €
Up to 9 working days

27

Apple Pay, Google Pay
Enjoy no monthly fee, no currency conversion fees up to 1.000 £ per month, and the ability to hold over 15 currencies in your account.
Wise Multicurrency Account
0 €
Up to 14 working days

19

Apple Pay, Google Pay
Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
VIABUY Prepaid Mastercard
VIABUY Prepaid Mastercard
5.82 €
3-5 business days

1

Apple Pay, Google Pay
VIABUY Prepaid Mastercard comes with no line of credit and it does not require credit checks.
loading

Compare up to 4 providers

Frequently asked questions

More guides on Finder

  • bunq Erfahrungen

    Finden Sie in diesem Test die Erfahrungen von bunq heraus. Wir analysieren die Gebühren, Einschränkungen und Funktionen, um Sie bei der Entscheidung zu unterstützen, ob dieser Anbieter für Sie geeignet ist.

  • Monese Konto Erfahrungen

    Ist Monese das Richtige für dich? Wir analysieren die Kosten und Funktionen des Kontos, um dir bei deiner Entscheidung zu helfen.

  • Die besten Banking-Apps

    Es gibt viele Banking-Apps in Deutschland — welche ist die beste für dich?

  • Wise (ehem. TransferWise) Multi-Währungs-Konto Testbericht für Deutschland

    Konvertiere verschiedenen Währungen und tätige Zahlungen im Ausland mit dem Wise Multi-Währungs-Konto und der Debitkarte.

  • Banken mit Samsung Pay

    Alles Wissenswerte über Samsung Pay. Installation, Funktionsweise, Sicherheit und Vergleich zu anderen beliebten Zahlungs-Apps.

  • Kryptobörse AscendEX (BitMax): Review

    Ein vollständiger Überblick über die AscendEX-Börse (ehemals Bitmax) mit Handels- und DeFi-Funktionen, Gebühren, Regulierung und Sicherheit.

  • Klarna Erfahrungen

    Erfahren Sie alles über Klarna, Erfahrungen mit der Klarna App, der Klarna Card und den Klarna Konten und welche Angebote gebührenfrei sind.

  • Comdirect Bankkonto Review

    Vergleichen Sie die verschiedenen Angebote der Comdirect-Bank und entscheiden Sie so, ob die Comdirect ein geeignetes Produkt für Sie bietet.

  • Banking mit Google Pay in Deutschland

    Welche Banken in Deutschland bieten Karten an, die mit Google Pay kompatibel sind?

  • DKB Cash Testbericht

    DKB-Konten verfügen über eine Reihe von Funktionen — welches ist das Beste für dich?

Go to site