Google PayTM help

Don't know how to add your card to your Wallet or how much you can spend using Google Pay? Check out our frequently asked questions for a helping hand. (Plus we've also included some handy tips and tricks).


Google Pay is the fast, simple way to pay with your TSB card in stores and online using a compatible Android phone.

The Google Pay app is now the Google Wallet app. If you already have the Google Pay app, you don’t have to download anything new. The next time you open the Google Pay app, it may show as Google Wallet or you’ll be prompted to go to the Play Store and update the app. After the update, the app appears as Google Wallet.

Google Pay works with devices running Android version 7.0 or higher and having Near Field Communication (NFC) capability.

Google Pay is a new name and look for existing Google payment products. You’ll still be able to pay in stores and online with Google Pay, as you do today with Android Pay.

Google Pay which is now Google Wallet is preloaded on some Android devices. Other eligible devices can get Google Pay by downloading it from Google Play.

Please check the Google website for more details on adding cards to Google Wallet.

You can use Google Pay to make contactless payments wherever you see one of these symbols

Android Pay         Contactless Symbol

Check out Google's website for a list of stores and apps accepting Google Pay.

There are a few steps you need to take to get set up but first things first, you'll need:

- a compatible Android device - you can see a full list of supported devices on the Google website.

- an eligible TSB account/card - see the list here.

See our setting up Google Pay Guide or Google Pay’s website for full details and instructions.

Making payments in stores

Follow these 4 steps to start making in-store purchases with Google Pay.

1.Look for stores displaying the Google Pay or contactless symbol.

2.When paying, check the amount on the terminal or with the cashier - this won't display on your device.

3. If you're happy, hold your device to the shop’s contactless payment terminal. You may be required to unlock your device. To pay with Google Pay using your watch, open the Google Wallet app and hold your watch over the contactless payment reader.

4. Your device will vibrate or make a sound to confirm that the transaction has been successful.

Making payments in app

You can use Google Pay to make purchases in participating apps. When prompted for payment, simply tap on the 'Buy with Google Pay' button and follow onscreen instructions to complete your purchase. Your default card with Google Pay will be used to make the purchase.

If you prefer to use your TSB card to make payments, then make sure you set it as the default card in your Google Pay settings. You can do this by simply selecting your preferred TSB card in settings and tapping 'Set as default card'.

Yes you can add as many cards as you want. If you have a particular TSB card that you prefer to use, then make this the default card in your Google Pay settings. If you want the same TSB card on two different devices, you'll need to add the card onto each device separately.

Google Pay works with the majority of TSB current accounts and credit cards. Here's a list of the cards and accounts that are and aren't available:

Debit cards supported

  • Any Visa debit cards

Debit cards not supported

  • ATM Cards

  • Under 19 accounts where the customer is below 13 years of age

  • Accounts with Control

Credit cards supported

  • Any Mastercard and Visa credit cards

Credit cards not supported

  • Additional card holders

Please note: if you have a brand new or replacement credit card, you'll need to activate the card for Google Pay to work. This is a security feature to make sure that no-one else has got hold of your card.

In most stores you’ll be able to spend up to £100 per contactless transaction but there are some that’ll let you make higher value payments. If the contactless payment limit is changed from the default maximum using the TSB app, then this will become your new maximum limit for using Google Pay in-store. And in apps, there’s no upper limit.

Yes, you can use Google Pay for journeys on TfL and National Rail services in London.

Google Pay allows you to ride on the London Underground, bus, tram, DLR, London Overground, TFL Rail and most National Rail services in London. Just make sure you touch-in and touch-out using the same device to avoid incomplete journeys and benefit from fare-capping. And don't forget, you will need to keep your device switched-on and have enough battery life to complete the journey.

You can find the Google Pay terms and conditions here. Google Pay terms and conditions are in addition to your credit or debit card terms and conditions.

Yes, Google Pay does not send your actual card details when you make a purchase. Instead a virtual account number is used to represent your card information to the merchant and complete the purchase, so your card details stay safe.

A Virtual Account Number is a unique number representing your card that is assigned to Google Pay. This helps ensure account security because they differ from the actual card numbers they represent.

The only card data stored on your Android device is the Virtual Account Number that Google Pay passes to the payment processor. This number represents your card and helps ensure account security because it differs from the actual card number it represents.

You'll need to re-register your credit or debit card(s) on the replaced or upgraded device, as they won't be transferred automatically. Please make sure you remove your card(s) from your Android device before you dispose, sell or exchange it including passing it to someone else temporarily (for example, service or repair).

It's easy to remove your debit or credit card. Select the relevant card in Google Pay then select 'remove card' at the bottom of the screen. This will remove the card instantly.

Call us immediately on 0345 975 8005 * so that way we can stop transactions on your account. Lines are open 24hrs a day, seven days a week.

If you have enabled remote location access on your device, you can find, lock or erase it using Android Device Manager. Since Google Pay doesn't store your actual card details on your device, anyone who finds it or steals your device won't be able to access that information. That's true even if it's unlocked.

*Calls may be monitored or recorded.

Yes, you'll still be able to use your contactless card to make payments.

TSB does not charge customers to setup and use Google Pay but you may incur charges from your mobile network provider depending on your data plan.

The usual debit and/or credit card charges apply to purchases.

Yes, you will earn the rewards that already come with your TSB debit or credit card.

Google Pay refunds and chargebacks work the same way as physical card refunds and chargebacks. That is, you should work directly with the retailer to refund a transaction. With purchases made with Google Pay, use your Google Pay device that you used to make the original payment and simply follow the below steps:

i. Google Pay, select the card that you used to make the original payment. To check you have chosen the correct card, you can compare the last 4-digits of the Virtual Account Number in 'Card details' with the details on your receipt

ii. Hold your Android device near the contactless terminal to receive the refund

Yes, you'll be able to make payments using Google Pay to retailers who accept contactless payments. Remember that contactless transaction limits may vary depending on the country - for example, most UK retailers are set at £45.

Standard overseas charges will apply according to your card terms and conditions when you use Google Pay to make transactions abroad. Your mobile network provider may apply additional charges for network and data usage depending on your plan.

You can do this by simply selecting your preferred TSB card in settings and tapping 'Set as default card'.

You'll be able to see the last transaction you made on your card when you view it in the Google Wallet app.

You can manage the cards you've registered to Google Pay via the Wallet app on your device.

If you are using Google Pay for the first time, make sure your device is up to date and your card is listed in the Google wallet app.

If you have used Google Pay before, check whether the retailer accepts Google Pay.

Please check the Google website for further guidance.