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.

US banks that offer Google Pay

Google Pay works with nearly every debit and credit card from a US financial institution. This table highlights 20 popular banks that support Google Pay compared to Apple Pay and Samsung Pay.

Bank	Google Pay	Apple Pay	Samsung Pay
Ally Bank
American Express
Bank of America
Bank of the West
Barclays
BBVA Compass
Capital One
Chase
Citi
Discover
Green Dot
HSBC
Navy Federal Credit Union
PNC
Regions Bank
Synchrony
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:

Compare accounts compatible with Google Pay

All of these products can be added to Google Pay. Consider adding a debit or credit card with rewards on everyday purchases to get the most value from your digital wallet.

• Google Pay debit
• Google Pay credit

Sort by:

Name	Product	APY	Minimum deposit to open	ATMs	Out-of-network ATM fee
Chase Total Checking Finder Rating: 2.8 / 5: ★★★★★		N/A	$0	Access to 16,000 ATMs and more than 4,700 branches nationwide	$2.50	Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and more than 4,700. Available online nationwide except in Alaska, Hawaii and Puerto Rico.	Go to site More Info	Compare	loading Fetching your data...
HSBC Premier Checking Finder Rating: 2.7 / 5: ★★★★★		0.01%	$1	Free to use at all ATMs in the US	$0	Get a 3% cash bonus, up to $600 (max. $100 per month) during first six months after account opening. Must open HSBC Premier checking account through offer page by September 30, 2020, and set up qualifying direct deposits into the new account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.	Go to site More Info	Compare	loading Fetching your data...
BBVA Online Checking Finder Rating: 4.2 / 5: ★★★★★		N/A	$25	No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs	$3	A full-service account with convenient, surcharge-free access to two massive ATM networks.	Go to site More Info	Compare	loading Fetching your data...

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Name	Product	Filter values	Rewards	Purchase APR	Annual fee
Blue Cash Preferred® Card from American Express			6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases	0% intro for the first 12 months (then 13.99% to 23.99% variable)	$0 intro annual fee for the first year ($95 thereafter)	Apply now View details	Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express			2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases	0% intro for the first 15 months (then 13.99% to 23.99% variable)	$0	Apply now View details	This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn $200 after you spend $1,000 in the first 3 months. Terms apply, see rates & fees	Compare	loading Fetching your data...
Chase Freedom Unlimited®			5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases	0% intro for the first 15 months (then 14.99% to 23.74% variable)	$0	Apply now View details	This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.	Compare	loading Fetching your data...

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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.