Wise Multicurrency Account
- Hold 50+ currencies
- Convert at the mid-market rate
- Send and receive payments like a local
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Google Pay is the digital wallet for Android users just like Apple Pay is the mobile wallet for iPhone users. It lets you make purchases in-store, online and in apps without using your physical debit or credit card.
This guide will cover how to use Google Pay in Ireland and all the Irish banks that currently offer it.
|Bank / Provider||Apple Pay||Google Pay|
|Bank of America|
|Bank of Ireland|
|Wise (formerly TransferWise)|
Google Pay is a payments app that acts like your physical wallet, housing all your debit and credit cards as well as loyalty cards, tickets and coupons.
You can use the digital wallet to make contactless purchases in stores and online just like you would with your physical debit card, except the app lets you make these purchases using just your smartphone or Android device. The beauty of Google Pay is that you can travel lightly with just your phone and still make purchases – no cash or card needed.
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.
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.
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.
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 neighbourhood supermarkets, 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:
Google Pay symbol
Tap and pay
Google Pay is accepted at millions of places worldwide. You can use Google Pay in any stores that already enable tap-and-go payments, which is almost everywhere these days. You can also use Google Pay to make purchases within a large number of popular apps as well as on websites. When using Google Pay to make purchases online, you avoid having to manually enter your card details each time you make a transaction. If you’re not sure if a particular merchant accepts Google Pay, just look for the Google Pay symbol or the contactless payment symbol.
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.
You can store as many cards as you’d like in Google Pay. There’s no limit.
You can use Google Pay worldwide at any store that accepts contactless payments. Countries that accept it include:
Google Pay is supported on all Android devices operating on Lollipop 5.0 or later for in-store purchases. You can also use devices that are not NFC-enabled to make Google Pay purchases in merchant mobile apps.
Google Pay can also be set up on a compatible Android Wear 2.0 smartwatch and a desktop/laptop computer.
At the time of writing (14 August 2021), iOS users can download the app on the Apple App Store. However, do note that Google Pay on iOS devices only supports online transactions and not in-store payments.
Setting up Google Pay only takes a few easy steps, and you can start making contactless payments right away.
Once you’ve successfully set up Google Pay on your device, making contactless payments online or in-store is only a matter of seconds:
If Google Pay is supported on your smartwatch, the app will already be on the watch. Open the app on your watch and select the “Get started” option. You’ll then need to use your phone to add a debit card to your watch. When done successfully, your card will appear within the Google Pay app on your watch. Note, you’ll need to set up a PIN for your watch in order for Google Pay to work.
You can now use the watch to make contactless payments in stores. Hover your wrist over the payment terminal, the same way that you’d use your phone or debit card to make a contactless payment. However, unlike using Google Pay on your smartphone, when using your watch to pay, you do need to open the Google Pay app. You’ll feel a vibration from the watch when the transaction has worked.
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. When you use Google Pay to pay for things in-store, like your morning coffee, the app doesn’t share your debit card number with the merchant. Instead, it shares a unique encrypted transaction number along with a number specific to your device to validate the payment.
And if you lose the phone itself, you can simply lock it remotely from a web browser by logging into your Google account. Or, you can use your mobile banking app to lock your debit card temporarily. So, Google Pay is actually safer than using your traditional debit or credit card in some ways.
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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
For lingerie, sleepwear, and comfy, stylish, sexy PJ’s, shopping can be a tad tricky. These online stores have the goods.
Find out what virtual cards are, how do they work and what benefits they offer.
Find out about bank accounts for teenagers, how to choose the right one and how they differ from kids’ prepaid cards.
We have listed some of the best retailers of outdoor Halloween decorations online in Ireland to help you prepare your front yard for some trick-or-treating.
Binaryx offers an intuitive interface for investors to trade a range of crypto and fiat assets.
Treat yourself to the latest console from Xbox and find out where to get the best deal here.
Looking to refresh your skincare and makeup routine? Revolution Beauty has fab products, service, price and innovation. Enjoy.
If you’re looking for ways to gain exposure to bitcoin and other digital currencies, cryptocurrency ETFs could be worth exploring. Find out what crypto ETFs are and how they work in this introductory guide.
Spend 10 different cryptocurrencies anywhere Visa is accepted with the Wirex Crypto Card and earn rewards.
If you want to buy the Loki (LOKI) privacy cryptocurrency but don’t know where to start, find out how and where in this handy guide.
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.