Features & benefits

  • Leave your wallet at home

    Google Pay is a handy and secure way to pay using your Android phone or Google Wear OS wearable. You can use Google Pay anywhere contactless payments are available, such as cafes, supermarkets or petrol stations.

  • Easy to set up

    It only takes a few minutes and all you'll need is your Android phone or Google Wear OS wearable and an eligible CommBank card. 

  • Collect rewards & points

    You'll still receive the same rewards, points and protection from your CommBank card when you use it with Google Pay.

Get started with Google Pay on your mobile

What you'll need:

  1. Download the Google Pay app from the Google Play Store™ on your compatible Android device
  2. If you don't bank with us, open an Everyday Smart Access account (it comes with a Debit Mastercard you can add to Google Pay) and/or apply for a CommBank credit card

Set up your cards

  1. Tap ‘+’ to add all your eligible CommBank cards
  2. Confirm your details via the CommBank app or SMS
  3. You’re all set to make contactless payments using your Android smartphone – just make sure your phone is awake when you hold it up to pay

How to get started with Google Pay on your wearable

  • What you'll need:

    1. Download the Google Wear OS companion app from the Google Play Store™ or Apple Store on your Android phone or iPhone
    2. If you don't bank with us, open an Everyday Smart Access account (it comes with a Debit Mastercard you can add to Google Pay) and/or apply for a CommBank credit card
  • Set up your cards

    1. Launch the Google Pay app on your wearable device 
    2. You will be prompted to have your phone and card ready and to have a screen lock set up on your phone
    3. Add your eligible CommBank cards using the Google Wear OS app on your phone 
    4. Verify yourself by entering the code received via SMS, wait for confirmation
    5. You’re all set to make contactless payments using your Google Wear OS supported wearable device


  • What is Google Pay and how does it work?

    Google Pay is a free third party app that allows CommBank customers with an eligible debit or credit card to make tap and pay transactions. 

    To make a payment using an Android phone, simply wake and hold your phone near the terminal. If the payment is successful you will see a blue check mark confirming the payment has been accepted.

    To make a payment using a Google Wear OS wearable device, open the Google Pay app on your wearable and simply tap your wearable near the terminal. If the payment is successful you will see a confirmation on the terminal confirming the payment has been accepted.

    Which devices are eligible for Google Pay?

    Compatible Android phones that have operating system 5.0 (Lollipop) and above with Near Field Communication (NFC) technology. 

    Google Wear OS supported wearables include Fossil Q, Huawei Watch 2, TAG Heuer Connected. Visit Google Wear OS website for full list of supported wearables. 

  • Which cards are eligible?

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

    Visit the Google Pay website and the Google Wear OS support website for more information.

How secure are Google Pay transactions?

  • When making payments using Google Pay, your CommBank card number is not stored on your device or shared with merchants. Merchants will only see your Virtual Account Number, which 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.

  • If you suspect a fraudulent transaction has occurred on your account, please contact us on 13 2221 immediately. When it comes to payment security, CommBank is a leader in fraud protection. So if we identify any unusual activity, you’ll be alerted immediately.  And, if the unlikely happens and an unauthorised transaction occurs on your card, we’ll reimburse you 100%.1

Things you should know

  • Provided you comply with the Credit Cards Conditions of Use if you have a credit card, and/or the Transactions, Savings and Investment Accounts Terms and Conditions if you have a debit card and the Electronic Banking Terms and Conditions.

    Our 100% security guarantee protects you from unauthorised transactions on personal and business accounts when you protect how you access your accounts and tell us if something is wrong. Tell me more

    Google Pay is currently available for Android running 5.0 (Lollipop) or higher with a Near Field Communication (NFC) antenna and Host Card Emulation (HCE) support.

    Google Wear OS by Google works with phones running Android 4.4+ (excluding Go edition) and iOS 9.3+. Supported features may vary across watches, phones and countries.

    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. NetBank access with NetCode SMS is required. Full terms and conditions available on the CommBank app.

    Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Google Pay, the Google Pay Logo, Google Play and the Google Play logo are trademarks of Google LLC.

    The advice on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances. Please consider the terms and conditions for our Smart Access account available here or from any branch of the Commonwealth Bank. Please view our Financial Services Guide. Credit Card applications are subject to credit approval. Full conditions will be included in our loan offer. Fees and charges apply. Commonwealth Bank of Australia ABN 48 123 123 124. Australian credit licence 234945.