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Google Pay now available at Qudos Bank

Welcome to fast, simple and secure payments with Google Pay.




Pay faster, easier and more securely with Google Pay.

Now you can add your Qudos Bank Visa Debit or Credit Card to Google Pay for an easy way to tap and pay.


Adding your card to Google

Download the Google Pay app from Google Play or the App Store. Follow the instructions to add a card. Verify your card if needed. Then you’re all set!

Prefer to do things on desktop? Get set up at

Please note, your Android device must be running on Lollipop 5.0+ to use Google Pay.

Google Pay


How to use Google Pay

Paying in stores

Google Pay works anywhere contactless payments are accepted. Just wake up your Android phone and hold it near the terminal until you see a check mark. You don’t even need to open the app.

Where to use Google Pay


Google Pay can be used anywhere you can tap and pay or anywhere you see this symbol.

Paying online or in apps

Use Google Pay to check out even faster across your favourite apps and sites. Once you’ve added a card, you won’t need to enter your payment info again. Just choose Google Pay at checkout, confirm your purchase, and you’re all set.


Need some help?

  What is Google Pay and how does it work?

Google Pay is a simple, fast and secure mobile payment service that allows you to make contactless payments with your compatible Android device at contactless terminals in store, online and in-app at participating merchants.

  Which cards are eligible to be added to Google Pay?

All Qudos Bank credit cards and Visa debit cards which support contactless payments are eligible to be added to Google Pay.

  How secure is a Google Pay transaction?

Google Pay is very secure, as Google has multiple layers of security to protect your payment information to help keep your account safe. Google Pay doesn’t send your actual credit or debit card number with your payment. Instead, an encrypted virtual account number is used to represent your information – so your real card details stay safe.

  How will my personal information be shared with Google?

Yes, we may exchange information with Google relating to the set up and use of Google Pay, including (but not limited to) information about your Android Device (on which your Qudos Bank Card is registered), your transaction history and other information required to facilitate the Google Pay experience.

Google may also use your personal information for different purposes. Please review Google’s terms and conditions and privacy policies carefully. We may also exchange your information with other service providers (such as Visa or EFTPOS).

If you don't want us to collect or disclose this information, you should not register a Qudos Bank Card for use in Google Pay.

Full details on how we collect and use your personal information can be found in our Privacy Policy.

  Which phones or devices can I use Google Pay on?

Your Android device must be running on Android 5.0 (Lollipop) or higher, support near field communication (NFC) and host card emulation (HCE) technology.

  What do I need to successfully add a card to Google Pay?

To successfully add a card to Google Pay you will need to ensure that:

  • you have a compatible Android device
  • you have an eligible Qudos Bank debit or credit card which has been activated
  • you have provided Qudos Bank with your mobile number and email address in the correct fields

For customers based in Australia, please check and update the following details by going into online banking (go to settings/contact details):

  1. Ensure you have a valid up-to-date email address registered with us; AND
  2. Check that your mobile number is current and is in one of the two following formats: 614XXXXXXXX or 04XXXXXXXX. *Note that parentheses, spaces and dashes make your mobile number invalid.
  3. Check your mobile number is in the ‘mobile’ field and not the ‘home’ or ‘business’ phone fields.

For customers currently living overseas, with an International Mobile number please send us a secure email or call us on +61 2 9582 3200 from Mon - Fri: 7am - 7pm (AEST) and Sat: 9am - 5pm (AEST)

  Why do I need to complete verification when I add my card to Google Pay?

You must be verified when adding a Qudos Bank Card to Google pay to help protect your account. As part of the process through Google Pay/your Google Account, we will send you a text message to your mobile with a verification code. You should ensure that Qudos Bank has your correct mobile number in order to receive the verification code via text message (you may also call our Contact Centre on 1300 747 747 for verification). We also require a current email address to send the welcome notification. If you do not have a valid mobile and email registered with us (or have had these details registered for less than 30 days), you may also call our Contact Centre on 1300 747 747 for verification and Card provisioning. If we cannot properly verify you or if we suspect that there may be attempted fraud, we may decline the request to add your Qudos Bank Card to Google Pay.

  What is a virtual account number and how is it different from my card account number?

When adding cards to Google Pay a Virtual Account Number is created in place of your card account number. This number is used when you make a payment with Google Pay (or a refund of that payment), so that your card account number isn't shared with the merchant and won’t appear on the receipt. Each time you add a card to Google Pay, a new virtual account number is created.

  Can I add multiple cards to Google Pay on my device?

Yes, you can add multiple Qudos Bank cards to Google Pay on compatible Android devices and choose a default card. However, you must select the required card prior to making a purchase if more than one card is added.

  Can I add my Qudos Bank card on multiple devices and wallets?

Yes, you can add the same card to more than one device.

  Can I use Google Pay if I am overseas in the same way I would in Australia?

If you have added your eligible Qudos Bank credit card to Google Pay, you can use this to make payments overseas at contactless terminals in stores, online and in-app at participating merchants, as long as the overseas location and merchant supports Google Pay.

  Can I add my loyalty or gift cards to Google Pay?

Yes, you can add your loyalty cards and gift cards to Google Pay.

  Do I need to use my card PIN with Google Pay?

If you make a transaction of over $100 you will be prompted to enter your physical card PIN at the contactless terminal. If a PIN code is required to authorise a refund, you will need to enter your physical card PIN at the terminal.

  Do I need an internet connection to make payments through Google Pay?

You do not need an internet connection to make payments through Google Pay, however you can only make a limited number of transactions whilst offline. The number of offline purchases available will re-set once your device has reconnected to the internet.

  Can I take cash out using my debit card with Google Pay?

No, currently you cannot take cash out using your Qudos Bank Debit card with Google Pay.

  If my card has expired and I’ve received a replacement card, do I need to add my card again?

No. Your replacement Qudos Bank card will automatically be updated in Google Pay. You can continue using Google Pay if you’re waiting to receive your new plastic card.

  What should I do if I’ve lost my card?

You will need to report your card lost or stolen in online banking or mobile app. You will then need to contact us to have a replacement card issued. Once your new card is issued and activated, you will be able to use Google Pay as previously (there is no need to re-enrol your new card).

  Can I use Google Pay as a backup when I lose my card?

No, if your physical card is placed on hold, reported lost or stolen or cancelled Google Pay will no longer be able to be used to process transactions.

  How do I remove or suspend a card from Google Pay?

To remove a card from Google Pay:

Go to the Google Pay App on your device, select the card you want to remove, tap on the three dots in the top right hand corner of the screen and select Remove payment method. A confirmation message is displayed. Tap, Yes, remove. Your mobile card will be removed from your Google Pay wallet.

  My device has been lost or stolen. How can I keep my card in Google Pay safe?

If your device has been lost or stolen, you can prevent unauthorised payments being made with your card on Google Pay by locking your phone remotely using Google’s Find My Device feature.

If you are not able to lock your phone using this feature, please call us on 1300 747 747.

You can mark your card as lost or stolen through online banking or our mobile app. Please note that this will cancel your card entirely – you will not be able to use your physical card and your direct debits will also need to be redirected. However, if you contact us on the number above, we can suspend access to your card through Google Pay without otherwise effecting your ability to use your physical card and maintain your direct debits.

  Is there a minimum or maximum spend limit to use Google Pay?

The transaction limits that apply to your Qudos Bank Card do not change as a result of your adding your Card to Google Pay.

  When I tap, nothing happens. What should I do?

Make sure you have set up Google Pay on your device. (Visit to learn more).

  Will I be able to see my Google Pay transactions instantly on the Qudos Bank app?

Yes, Google Pay transactions process the same as Paywave transactions using your card and will appear as pending transactions in the Qudos Bank mobile app and Online Banking.

  Where can I find out more information about Google Pay?

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

  I can’t seem to add my card to Google Pay?

Please check the card number and expiry dates are correct as there might be issues with the scanning process. Please also make sure you have sufficient funds in the linked account as $0.01 will be charged as part of the card validation process.

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

We are limited to the number of card designs we can display in the Google Pay service so we’ve had to use 1 design to represent each of our cards. You may have a different design or colour however the image shown doesn’t affect the use of the card with Google Pay.