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Banks you can use Google Pay with

Does your bank have Google Pay? Find out in this guide.

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Finder’s pick for Google Pay: Chase Total Checking

Chase Total Checking logo

$0

Deposit to Open

  • $200 sign up bonus
  • 24/7 customer service
  • Access to 16,000 ATMs
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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 supports thousands of financial institutions. Use the table to compare 17 banks that support Google Pay compared to Apple Pay and Samsung Pay.

Bank Google Pay Apple PaySamsung Pay
American ExpressNoNoNo
Bank of AmericaNoNoNo
Bank of the WestNoNoNo
BarclaysNo
BBVA CompassNoNoNo
Capital OneNoNoNo
ChaseNoNoNo
CitiNoNoNo
DiscoverNoNoNo
Green DotNoNoNo
HSBCNoNoNo
PNCNoNoNo
SynchronyNoNoNo
USAANoNoNo
US BankNoNo
Wells FargoNoNoNo
TD BankNoNoNo

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:

  • Australia
  • Belgium
  • Brazil
  • Canada
  • Chile
  • Croatia
  • Czech Republic
  • Denmark
  • Finland
  • France
  • Germany
  • Hong Kong
  • Ireland
  • Italy
  • Japan
  • New Zealand
  • Norway
  • Poland
  • Russia
  • Singapore
  • Slovakia
  • Spain
  • Sweden
  • Switzerland
  • Taiwan
  • Ukraine
  • United Arab Emirates
  • United Kingdom
  • United States

Compare accounts compatible with Google Pay

Use this table to see some of the banks that offer Google Pay.

Name Product Minimum deposit to open ATMs Out-of-network ATM fee
M&T Bank MyChoice Premium Checking
$25
Over 1,500 free M&T Bank ATMs and up to $2 rebates when using all other ATMs
$0
Get up to $250 if you open a MyChoice Premium M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
Chase Total Checking
$0
Access to 16,000 ATMs and nearly 4,900 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 nearly 4,900 branches. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
BBVA Online Checking
$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, plus a $200 signup bonus when you meet deposit requirements
Chase Sapphire Checking
$0
Free to use anywhere worldwide
$0
Get a $1000 welcome bonus when you join Sapphire Banking by October 14, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
TD Beyond Checking
$0
1,900 ATMs across the country and Canada
$0
A checking account that offers interest plus three ways to waive the monthly fee, two overdraft paybacks a year and no ATM fees with a $2,500 balance.
HSBC Advance Checking
$0
Surcharge-free HSBC ATMs nationally and internationally, plus up to four rebates a month for using non-HSBC ATMs in all US states except New York
Get up to $270 (max. $50 per month) for eligible new customers who open an HSBC Advance checking account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
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Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual fee
Chase Freedom Unlimited®
5% cash back at grocery stores on up to $12,000 in the first year, 5% on Lyft and 1.5% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Earn a $200 signup bonus after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
Citi® Diamond Preferred® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
Long 18 months intro APR periods on purchases and balance transfers. Plus Citi Entertainment℠ for deals on dining and going out.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
15.24% variable
$0
Earn valuable cash back on everyday purchases at gas stations, restaurants and Costco as well as eligible travel with no foreign fees.
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Compare up to 4 providers

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.

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