Most of our smile Bank debit and credit cards are eligible for Google Pay, with the exception of ATM cards and business credit or debit cards.
To use Google Pay, cardholders will need a NFC capable Android™ device running Android 5.0. (Lollipop®) or higher.
To add a card to Google Pay:
You can make a Google Pay payment whenever you see a contactless or Google Pay logo.
For payments under £100
You just need to wake up your device and tap on the contactless terminal.
For payments over £100
You'll need your device passcode, fingerprint or pattern to authenticate. Some merchants may set a maximum spend for Google Pay. Some merchants may set a maximum spend for Google Pay.
If you need help with Google Pay, our frequently asked questions may help
Why payments might be declined
How secure are wallet payments?
What do I do if I have lost or had stolen my card or device?
Payment limits for digital wallet payments
Can I use wallet payments outside the UK?
If I get a new or replacement card, do I have to update my Google Pay?
How are Google Pay refunds processed?
Do I get the same benefits of my credit or debit card if I use Google Pay?
I’m a joint current account holder. Can I register for Google Pay?
When you make a payment with Google Pay, it doesn't send your actual debit or credit card number with your payment. Instead it uses a virtual account number that differs from the details on your card, meaning your card details stay safe. Additionally your fingerprint, iris or 4-digit PIN is required to authorise in-store purchases.
Call us immediately on 0345 600 6000 (call charges) and we will cancel the card, order you a replacement card and automatically update your card in the Wallet the next working day. Lines are available 24 hours a day, 7 days a week.
If you have lost your Google device or believe it has been stolen, you can use your Android Device Manager to remotely erase all of the data in the device, including your card(s).
Yes, you can use wallet payments in the same way you would a standard debit or credit card. You may be charged processing fees by other banks, overseas charges, and currency conversion charges too. Find out more about smile Bank's card charges outside the UK.
If a new or replacement card is issued, your Google Pay should update automatically. You do not have to update your card information yourself.
If, for some reason, the card doesn’t update automatically, you need to call us. For debit card enquiries call us on +44(0)3457 212 212, or for credit card enquiries call us on +44(0)345 600 6000, to speak to a member of our customer service team. We’re available from 8am-8pm, 7 days a week (call charges).
Google Pay refunds are processed just like any other refund.
You'll still be able to get the same credit card benefits that you receive with use of your physical card, as well as getting the same rates and charges on payments in the UK and outside the UK.
Both account holders will need to register their debits cards separately, but the funds will come out of the same joint account. The Google Pay Wallet will be available to use, for both of you once you’ve registered.