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Garmin Pay™

Available almost anywhere you can tap your card, your Garmin Pay wallet is quick to access from the watch menu with just a few quick taps.

No wallet? No phone? No problem.

No cash? No problem. With Garmin Pay you can make purchases using only your smartwatch. It's available almost anywhere you can tap your card.*

Setting up Garmin Pay

  • 1

    Launch Garmin Connect on your phone and connect your phone to your watch via Bluetooth if its not already connected.

  • 2

    Tap on Garmin Pay under more tab, followed by Manage Your Wallet to register your card. 

  • 3

    You will be required to set up a secure PIN in your watch if you have not enabled the secure PIN lock.

  • 4

    Enter your card details. Garmin Pay will prompt you to verify your digital card through a One-Time-Password or via our Call Centre.

How to use Garmin Pay in store

Garmin Pay on watch

To make a payment, simply hold down the action button, select the wallet icon and hold the watch near the contactless reader on the terminal.


Learn more about Garmin Pay




  • Uses watch-specific card numbers and transaction codes every time you make a purchase.

  • Your card number is not stored on your device, on Garmin’s servers, or passed to merchants when you pay.

  • Find out more about Bendigo Bank card security.

Things you should know

Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

*Available for supported cards from participating banks; contact your bank for more information. Only available at NFC-enabled terminals. View current supported country, payment network and issuing bank information at



Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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