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Banks with Google Pay in Ireland

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

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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.

Banks with Google Pay in Ireland

Bank / ProviderApple PayGoogle Pay
An PostYesYes
Bank of AmericaYesNo
Bank of IrelandYesYes
Credit unionsYesNo
EML MoneyYesYes
Permanent TSBYesNo
Ulster BankYesYes
Viva WalletYesYes
Wise (formerly TransferWise)YesYes

What is Google Pay?

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.

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.


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 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:

Contactless logo

Google Pay symbol

Terminal logo

Contactless symbol

Tap and pay

Tap and pay

Where can you use Google 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.

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. Countries that accept it include:

  • Austria
  • Australia
  • Belgium
  • Brazil
  • Bulgaria
  • Canada
  • Chile
  • Croatia
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hong Kong
  • Hungary
  • India
  • Ireland
  • Italy
  • Japan
  • Latvia
  • Lithuania
  • Netherlands
  • New Zealand
  • Norway
  • Poland
  • Portugal
  • Russia
  • Singapore
  • Slovakia
  • Spain
  • Sweden
  • Switzerland
  • Taiwan
  • Ukraine
  • United Arab Emirates
  • United Kingdom
  • United States

Which devices support Google Pay?

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.

How to set up Google Pay on your smartphone

Setting up Google Pay only takes a few easy steps, and you can start making contactless payments right away.

  1. Ensure you have an eligible device and debit card. You’ll need to have an Android smartphone that supports the operating system Lollipop 5.0 or above. Plus, check to make sure your current bank offers Google Pay by searching the list above.
  2. Download the app. Go to your Google play store and download the Google Pay app.
  3. Add your debit card. Select the “Add debit card” option within the app. You can take a photo of your card instead of manually entering in all the numbers (although you can enter the numbers manually if you’d like to). You’ll receive a text to verify your identity, then you’re all set to go.

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 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.

How do I use Google Pay on my Android watch?

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.

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. 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.

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 accounts that support Google Pay

Name Product Maintenance fee Fee period ATM transaction fee
VIALET Current Account
0 €
€2 + 2% per withdrawal
An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.
N26 Bank Account
0 €
€2 per withdrawal
Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Wirex Standard
0 €
2% per withdrawal

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.
Wise Multicurrency Account
0 €
€0.50 + 1.75% per withdrawal
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.
Revolut Standard
0 €
€1 + 2% per withdrawal
Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and hold an array of currencies in your account.
AIB Student Account for 2nd Level Students
0 €
A current account for students aged between 12 and 18 years, who are in part time or full-time second level education. If you apply for a debit card, AIB will cover the annual Government Stamp Duty.

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