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Google Pay™ FAQ's

Everything you need to know about your Google Pay

About Google Pay

What is Google Pay?

The Google Pay app allows you to use your compatible Android smartphone to simply and securely pay in store or in apps.

What phones are eligible for Google Pay?

Your phone must be NFC capable and running Android Operating system Kit Kat 4.4 or higher.

You can find out what operating system your device is running and whether your phone is NFC capable by navigating to your Settings.

Which Bendigo Bank cards will Google Pay work with?

Google Pay supports all our Bendigo Bank credit cards and Debit Mastercard.

How many cards can I load into Google Pay?

There is no limit on the number of cards you can load into the app, however you must be the owner or applicable signatory of all cards added.

How much does Google Pay cost?

The app is free to download at the Google Play but does use a small amount of data, so data usage charges may apply.

Card transaction fees and charges may still apply.

Where can I find out more information about Google Pay?

You can read more about Google Pay on the Android Pay website.

Getting started

How do I get Google Pay?

Google Pay is preloaded on some Android smartphones. Otherwise Google Pay can be downloaded from the Google Play Store.

How do I register my card in Google Pay?

To register for Google Pay, you will need to ensure:

  • You are signed in to Google Play with your Gmail account.
  • You have a PIN set up and enabled on your device.
  • Your device is NFC capable and is running Android operating system Kit Kat V4.4 or higher.
  • You have at least $2 in your account.

Next, add your Bendigo Bank card. You can do this through the Google Pay app.

Using Google Pay:

Open the Google Pay app and tap the plus sign in the bottom right corner.

Capture your card information by taking a photo of your card, alternatively enter your card information manually.

Read and agree to the Bendigo Bank Digital Wallet Terms of Use

Alternatively, you can call us on 1300 236 344.

What is my Virtual Account Number?

All your payment cards stored in Google Pay are assigned a virtual account number. This number is used instead of your actual card number when you make a purchase with Google Pay, so that your payment info isn't shared with the merchant.

How do I use Google Pay in store?

Make sure your device is awake and simply hold it to the contactless terminal.

If the payment is over the contactless limit, you may also need to enter your card PIN.

Note: In light of the recent impact of coronavirus (COVID-19) and to help stop the spread, the contactless card limit has been temporarily increased from $100 to $200.

Can I use Google Pay for In App payments?

Yes, you can use Google Pay for in App payments at participating merchants. List of participating merchants in Australia.

Can I use Google Pay to withdraw cash?

At this stage Google Pay will not work to withdraw cash at ATMs or in branch. You will need to continue using your plastic cards to complete these transactions.

Which card does Google Pay use when I pay?

You can choose which Bendigo Bank card to use as a default. See the Manage Your Card section of FAQs for instructions on how to change your default card.

Does Google Pay work overseas?

Google Pay will work in all countries wherever contactless payments are accepted.

We suggest you take your plastic card as a backup.

You can only perform a limited number of purchases without an internet connection, so will need an internet connection overseas.

Do I still get reward points when I use Google Pay?

Yes, if you are using a credit card with rewards you’ll continue earn points when using Google Pay.

Can I view transactions in Google Pay?

Yes, you can view the last 10 transactions made using your card.

For a full list of transactions, login to Bendigo Bank e-banking.

How do I return an item purchased with Google Pay in store?

If you need to return a purchase made with Google Pay, you may need your plastic card. Not all eftpos devices enable you to tap to complete your return.

You might also have to provide the last 4 digits of your virtual account number. You can find your virtual account number on the card details screen in your Google Pay app.

My Google Pay purchases aren’t working

There are several reasons your Google Pay purchase may not be working:

  • You have not registered a card
    Make sure that you have an eligible and active Bendigo Bank card registered.

  • The payment is over the contactless limit

    Not all retailers will accept Google Pay transaction for larger amounts. You may be asked to insert or swipe your plastic card and enter your card PIN.

    In light of the recent impact of coronavirus (COVID-19) and to help stop the spread, the contactless card limit has been temporarily increased from $100 to $200.

  • You haven’t connected to the data network or Wi-Fi for a while
    For security reasons there is a limit to the number of payments your device can make without connecting to the data network or Wi-Fi. Just go online using Wi-Fi or your data allowance, then your ‘offline’ transaction allowance will be reset automatically.

  • The card reader does not accept contactless payments
    Not all retailers accept contactless payments yet. Please use another payment method such as your plastic debit or credit card.

If you’re still having problems, call the Bank on 1300 236 344 for further assistance.

Manage my card

How do I change my default card for Google Pay transactions?

The first card you add to Google Pay will automatically become your default card.

You can change your default card two ways:

On your phone

  • Open the Google Pay app.
  • If you have multiple Google Accounts in Google Pay: At the top left, touch your name, then choose an account.
  • Double tap a card, then touch Set as default card.
  • Or touch and drag a card to the "Default card" spot at the top of the app's Home screen.

On the web

  • Sign in to
  • On the left, click Payment methods.
  • To the right of a card, click Set as default.

How do I remove a card?

There are two ways to remove a payment card:

On your phone

  • Open the Google Pay app.
  • If you have multiple Google Accounts in Google Pay: At the top left, touch your name, then choose the account you want to remove a card from.
  • Double tap the card you want to remove.
  • Scroll down, then touch Remove card.

On the web

  • Sign in to
  • On the left, click Payment methods.
  • To the right of the card, click Remove.

If I receive a replacement Bendigo Bank card, do I need to add my card again?

No, if you have retained the same card number, once you have activated your Bendigo Bank replacement card, your Google Pay Virtual Account Number will automatically be updated with your new card details.

If you receive a new card with a different 16 digit card number, you will need to add this as a new card and remove your old card.

Why is the card image in Google Pay different to my actual card?

There are several reasons why your Google Pay card image may differ from the one on your plastic card:

  • You may have a personalised card. If so, Google Pay will show a generic image of the card.
  • The card image for your plastic card has been updated. You may need to re-register the card in Google Pay to make the images match. However, the image shown does not affect the use of the card with Google Pay.

How do I update Google Pay if my card is lost or stolen?

Please call the Bank immediately. We will cancel your card and order you a replacement.

Once your card is cancelled, you will be unable to perform purchases with the associated Google Pay Virtual Account Number.

Once you have activated your replacement card you can load it into Google Pay and set it as your default payment card.

What happens if my phone is lost or stolen?

If your phone is lost or stolen, you can find, lock, or erase Google Pay using Googles Android Device Manager.

Since Google Pay doesn't store your card details on your phone, anyone who finds or steals your phone won't be able to access that information, even if it's unlocked.

Important: Android Device Manager won't work for devices that are turned off or that don't have a Wi-Fi connection or mobile data connection with an active SIM card.

Alternatively, call the Bank on 1300 236 344 and we'll suspend or delete your Google Pay Virtual Account Numbers.

You can still use your plastic card.

How do I update Google Pay if my device is updated or replaced?

If you replace or update your device, you’ll need to add your card(s) again to Google Pay using the same set up process as you did before.

Be sure to remove your card(s) from Google Pay if you no longer use the app or you sell your phone.


Is Google Pay secure?

Using your Bendigo Bank cards with Google Pay is secure:

A maximum of three purchases can be made for amounts under $100 without needing to unlock your phone or enter your card PIN into the terminal.

Purchases over the contactless limit will require you to enter your card PIN into the terminal.

When you use Google Pay, your card number is never shared with the merchant or saved on your device.

Bendigo Bank monitors unusual activity across all your transactions 24/7.

And don’t forget, you are still protected by Visa and Mastercard's Zero Liability policies.

What card data is stored on the phone?

Google Pay doesn’t store your actual credit or debit card number. Instead we use a virtual account number to represent your account information — so your card details stay safe.

How do I keep my device and card details secure?

Contact us as soon as possible if you suspect any unauthorised use of your device, if it is lost/stolen, or if you think your details have been compromised.

Register your device through your Google account. This will allow you to find, lock and delete details on your phone if it’s lost or stolen.

Never leave your device unattended.

Use appropriate security on your device such as passcodes and fingerprint recognition.
Only register your own fingerprint (if your device supports this feature).

Please be aware of unsolicited messages asking you to install software, to allow access to your devices or to reveal any personal or financial information.

Use anti-virus software, update it regularly and accept any updates to the Android OS.

Things you should know

Google Pay is a trademark of Google LLC.

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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