Google Pay™
Google Pay is simpler, safer, and you can use it anywhere contactless is accepted.
- Add your cards in a virtual wallet, and use them just like you would with your contactless card.
- Your cards are stored safely and securely with a unique virtual account number. This means that your personal details will never be shared with the recipient - just the vital information to make the payment.
- Pay for anything under £45 by just waking up your device and tapping your phone against a contactless card machine. Anything over £45 you'll need your device passcode, fingerprint or pattern to authenticate.
- Some merchants may set a maximum spend for Google Pay.
How does Google Pay work?
Google Pay is like having a wallet on your smartphone. Once you download the app, you can virtually store your debit or credit card on there and make purchases either in participating apps or at any retailer that you see the contactless or Google Pay symbol.
Which cards and devices are eligible?
Most of our Co-operative Bank debit and credit cards are eligible, except for ATM cards and business credit/debit cards. To use Google Pay, cardholders will need a NFC capable Android™ device running Android 5.0. (Lollipop®) or higher.
Is Google Pay secure?
Google Pay doesn't send your actual credit or debit 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.
Download Google Pay
Before you download Google Pay, please read the Google Pay Terms of use below:
Google Pay Terms of use
Download Google Pay Terms of use PDF (94kb)-
Firstly you will need to check that the contact details we hold for you are up to date. This is because we send you a verification code to the mobile number or email address that we have registered for you to verify it is you adding the card to your device.
You can check your contact details and update if required in online or mobile banking. Please be aware that if you need to update your details, you will have to wait up to five days to add your card to Google Pay. This is in place to protect you from fraud. If you wish to add your card before then, you will need to call us to update your contact details so that we can verify it's you before your card is added.
- Download and open Google Pay app
- Select 'Add Card'
- Then, select a credit or debit card
- Use the camera to read your card information, or enter it manually
- Read and accept the Terms of Use
- You will be asked to verify your payment method. Choose a verification method from the list provided
- Find and enter the verification code and you will be ready to pay with Google Pay
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You can make a Google Pay payment whenever you see a contactless or Google Pay logo. For payments under £45 you just need to wake up your device and tap on the contactless terminal. For payments over £45, you'll need your device passcode, fingerprint or pattern to authenticate. Some merchants may set a maximum spend for Google Pay.
Google Pay payments can also be made in app whenever you see the 'Buy with Google Pay' button.
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Just like your standard credit or debit card, you may be charged processing fees by other banks, overseas charges, and currency conversion charges too. Find out more about The Co-operative Bank's card charges outside the UK. -
If your card is lost or stolen call us immediately on +44(0)345 600 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 24/7.
You can use your Android Device Manager to remotely erase all of the data in the device, including your card(s).
Need more information?
Go to our help and support for information about Google Pay.
Android and Google Pay are trademarks of Google LLC.
Important information about our call charges
If you’re calling from the UK, calls to 0800 and 0808 numbers are free from landlines and mobiles; calls to 03 numbers cost the same as calls to numbers starting with 01 and 02; calls to 0845 and 0870 numbers cost 3p per minute, plus your phone company’s access charge; calls to 0844 and 0843 numbers cost 7p per minute, plus your phone company’s access charge. Charges for calls made outside of the UK will be determined by your local provider.
Calls may be monitored or recorded for security and training purposes.
Contact us
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