Banks you can use Google Pay with

Google Pay is a digital wallet and online payment system that allows you to use your Android device to make purchases in store, in apps and online without needing your physical debit or credit card. This guide covers what Google Pay is, how it works, how to use it and what US banks currently offer it.

Which US banks support Google Pay?

Google Pay works with debit and credit cards from nearly every US financial institution — including credit unions. More than 20 popular banks that support Google Pay also support mobile payment apps like Apple Pay and Samsung Pay.

Bank	Google Pay	Apple Pay	Samsung Pay
Ally Bank
American Express
Axos Bank
Bank of America
BMO
Barclays
BBVA Compass
Capital One
Chase
Chime
Citi
Discover
Green Dot
HSBC
Marcus by Goldman Sachs
M&T Bank
Navy Federal Credit Union
Nationwide
PNC
Regions Bank
Revolut
Square
Synchrony
SoFi
TD Bank
USAA
US Bank
Wells Fargo

International banks that offer Google Pay

This table highlights international banks that support Google Pay, along with the countries they operate in.

How Google Pay works

Once you’ve stored your cards in Google Pay, you can make contactless payments in stores by holding your Android device up to a card reader. There’s a near field communication (NFC) chip inside your phone and the card reader. Both chips connect to each other and process the payment without needing your physical card or PIN.

How to add a debit or credit card to Google Pay

You can add a new card to Google Pay in a matter of minutes:

1. Download the Google Pay app on your mobile device.
2. Open the Google Pay app on your mobile device.
3. Tap Payment at the bottom of the screen and select + Payment method.
4. Scan the front of your debit or credit card or add your card number and expiration date manually.
5. Enter the CVC number found on the back of your card.
6. Review Google’s Payments Terms of Service and Privacy Notice.
7. Tap Save.
8. Your card provider may want to verify your payment method by email, text or phone. Select your preferred method of verification.
9. Enter the verification code you receive.
10. Once verified, you can use your newly added card to make payments through Google Pay.

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 many cards can I add to Google Pay?

You can store as many cards as you’d like in Google Pay. There’s no limit.

Can I use Google Pay internationally?

You can use Google Pay worldwide at any store that accepts contactless payments. As of May 2020, you can use Google Pay in any of the following locations:

Bottom line

With Google Pay, you can make in-store and online purchases using your mobile device as a digital wallet. But this contactless payment system only works on Android devices and with eligible debit and credit cards.

Frequently asked questions

• Is there a fee for Google Pay?

  No, Google Pay is free to use and doesn’t charge any fees.

• Can I use Google Pay at an ATM?

  You can withdraw cash using Google Pay at cardless ATMs that support NFC withdrawals. Some major US banks, like Chase, offer cardless ATM access that supports Google Pay, Apple Pay and Samsung Pay withdrawals.

• Can I send or receive money with Google Pay?

  Yes, you can send up to $10,000 USD per transaction using Google Pay.

Written by

Alison Banney

Editor

Alison Banney is the banking and investments editor at Finder. She has written about finance for over six years, with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business. She has previously worked at Westpac, and has written for several other major banks including BCU, Greater Bank and Gateway Credit Union. Alison has a Bachelor of Communications from Newcastle University, with a double major in Journalism and Public Relations. She has ASIC RG146 compliance certificates for Financial Advice, Securities and Managed Investments and Superannuation. Outside of Finder, you’ll likely find her somewhere near the ocean. See full bio

Co-written by

Shannon Terrell

Editor

Shannon Terrell is a lead writer and spokesperson at NerdWallet and a former editor at Finder, specializing in personal finance. Her writing and analysis on investing and banking has been featured in Bloomberg, Global News, Yahoo Finance, GoBankingRates and Black Enterprise. She holds a bachelor’s degree in communications and English literature from the University of Toronto Mississauga. See full bio

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