Pay on the move

  • Leave your cards, cash and phone behind. Add your eligible CommBank credit or debit card1 to Garmin PayTM and you can make payments whenever you are, even mid-exercise, using your compatible Garmin smartwatch.

    Track your spending as well as your fitness with Transaction Notifications in the CommBank app – so it’s you, not your credit card, getting the workout. 

    Download the Garmin Connect app:

Getting started

Once you’ve installed the Garmin app onto your iOS or Android smartphone you can add your CommBank credit or debit card to Garmin PayTM.

  1. Tap Create your wallet in the Garmin app and enter a 4-digit passcode
  2. Tap Mastercard or Visa to either fill in your card details or scan them using your smartphone’s camera
  3. We’ll send you a one-time NetCode SMS. Use it to confirm you want to link your CommBank credit or debit card to Garmin PayTM. Your card will then be added to the virtual wallet on your Garmin smartwatch.
  4. To pay using your Garmin smartwatch, press and hold the action button then tap the wallet icon (you may need to enter your 4-digit passcode) and hold your smartwatch to the card reader to pay. A green tick confirms it’s been successful.

To remove your card tap the account icon on your Garmin Connect app dashboard and choose Manage Wallet. Swipe to the card you’d like to remove then tap delete.

See the full range of compatible watches



  • Your card number is encrypted

    Your Virtual Account Number is an alternative to your card number. It’s a way of protecting your card details so they aren’t exposed to anyone other than you.

    When you make a contactless payment, the Virtual Account Number (not your CommBank card info) is what whoever you pay sees. And it’ll also appear in your transaction history in the CommBank app and NetBank – worth remembering so you’re not confused when keeping track.

  • Protection for unauthorised transactions

    We’ll protect you from losses due to unauthorised transactions on personal, business and corporate accounts when you take the necessary steps to stay safe online.

New to CommBank?

Getting off the starting blocks is easy. You can open an everyday account in under five minutes – it comes with a Debit Mastercard you can add to your compatible Garmin smartwatch too. If it’s a credit card you need then choose from our range of low fee, low rate and Awards cards.

Things you should know

  • You can add your CommBank Debit Mastercard, CommBank World Debit Mastercard™, personal and business credit cards, corporate credit and charge cards and Visa Business Debit card. If you are an additional cardholder, you may add your eligible Commonwealth Bank credit card to Garmin Pay provided it is Mastercard branded. Visa credit cards issued to additional cardholders may be eligible for Garmin Pay, however, a transaction limit of $100 will apply.

    Available on compatible Garmin smartwatch wearables – read the Garmin smartwatch wearable terms and conditions. Garmin Pay is powered by FitPay.

    Works on iOS and Android devices.

    The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. Find out about the minimum operating system requirements on the CommBank app page. Terms and conditions are available on the app. NetBank access with NetCode SMS is required. Full terms and conditions available on the CommBank app.

    Transaction Notifications are only available in the CommBank app to CommBank credit cardholders with no additional cardholder.

    The target market for this product will be found within the product’s Target Market Determination, available here.

    As the advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances. Please consider the Terms and conditions for our Smart Account available at or at any branch. Credit card applications are subject to credit approval. Full conditions of use will be included in our loan offer. Fees and charges apply. Commonwealth Bank of Australia ABN 48 123 123 124 Australian credit licence 234945.