What is Google Wallet?

Google Wallet is a free digital wallet that securely stores your credit cards, debit cards, gift cards,loyalty cards offers and more. With Google Wallet, you can shop in stores, buy online, and send money.

Shop in stores:

You can shop and save in stores by storing all of your gift cards, loyalty cards and offers on the Google Wallet app. You can also purchase in stores using the Google Wallet Card or NFC tap and pay if you have an NFC-enabled Android device.

Buy Online:

You can use Google Wallet to buy on Google Play or other Google products, and on select Android apps and sites, wherever you see the Buy with Google button.

Send Money:

You can also send money to anyone in the US with an email address with the Google Wallet app or through Gmail. You can also request money from friends and family in the US if they have an email address through both the Google Wallet app or Gmail.

In addition, you can track your online purchases, get shipping notifications, and view detailed order history using the Google Wallet app.

What is the Google Wallet app?

The Google Wallet app lets you save all of your gift cards, loyalty programs and offers in one place, and send money to anyone in the US with an email address. For users with NFC-enabled Android devices, you can also tap your phone to pay in stores.

On what phones is the Google Wallet app available?

The Google Wallet app is available on all Android phones (Gingerbread v2.3+) and iPhones (iOS v6.0+). In addition, you can tap to pay in stores with the Google Wallet app on these Android devices. You can download the Android app from the Google Play Store and the iOS app from the Apple App Store.

Where can I use Google Wallet in-store?

You can use the Google Wallet app to redeem gift cards, merchant loyalty points, and offers that you’ve saved to the app when you checkout. You can use the Google Wallet Card at millions of MasterCard® locations. If you’re using the Google Wallet app on an Android device, you can tap your phone to pay anywhere contactless payments are accepted, which includes hundreds of thousands of merchant locations in the United States.

Where can I use Google Wallet online?

You can use Google Wallet to make purchases on Google Play or across other Google products, such as Google+, Google Drive, Chrome Web Store, and YouTube. Additionally, you can buy within select apps and sites, wherever you see the Buy with Google button. See popular places where Google Wallet works online.

What is the Google Wallet Card?

The Google Wallet Card is a debit card that lets you spend your Wallet Balance at millions of MasterCard® locations or withdraw at ATMs. Money is added to your Wallet Balance either by someone sending you money via Wallet or Gmail, or by adding it yourself from a linked bank account or from a credit/debit card. The card has no fees to order and activate. There are no annual or monthly fees for the Google Wallet Card. Learn more about the Google Wallet Card.

How much does it cost to use Google Wallet?

It’s free. There are no fees for you to set up Google Wallet and use it in stores and online. You can even send money for free from your bank account or Wallet Balance. If you’d like to send money or add to your Wallet Balance using a credit or debit card, there is a small per-transaction fee. Receiving money is always free.

There are also no fees to order and activate the Google Wallet Card, and no annual or monthly fees. Some ATM providers may charge you a fee for cash withdrawals. Learn more about fees.

In what countries is Google Wallet available?

In the United States, you can use Google Wallet to shop in stores, send money, and to make online purchases on Google Play or other online merchants. Outside of the United States, you can shop online using Google Wallet to make purchases on Google Play in over 125 countries.

In what countries is the Google Wallet app available?

At this time, the Google Wallet app is only available in the United States.

What payment cards can I add to Google Wallet?

You can add major credit and debit cards to Google Wallet. Learn more.

What is the Google Wallet Balance?

The Wallet Balance is the money in your Google Wallet. When someone sends you money from the Google Wallet app or Gmail, that money will be stored in your Wallet Balance. You can use your Wallet Balance to send money to friends, shop on Google Play and other Google properties, or transfer money to your bank account. You can also add money to your Wallet Balance at any time from a credit card, debit card or linked bank account.

Will I continue to earn loyalty or rewards benefits from my credit and debit cards?

You should continue to earn rewards points for purchases through your card issuer’s credit or debit card rewards program (such as gas, grocery, restaurants purchases, and overall spending), if applicable. Certain benefits and rewards may not be applied when using Google Wallet, such as merchant specific rewards (e.g. double points at a specific merchant with a specific card). Applicability of rewards and other benefits (such as purchase protection or insurance) will be decided by your card issuers and not Google Wallet. Learn more.

What devices support Google Wallet NFC tap and pay?

NFC tap and pay functionality is available on many Android phones. You can find a list of supported phones here.

How do I tap and pay in stores with the Google Wallet app?

If you have an NFC Android device, you can use your bank account, credit / debit cards or Wallet Balance to tap and pay in stores that accept contactless payments. To pay, you’d unlock your phone then simply tap the back of your phone to the point-of-sale terminal.

What happens when I tap my phone to pay using a credit or debit card in the Google Wallet app?

When you set up tap and pay functionality in the Google Wallet app, you will be issued a virtual prepaid MasterCard card, by its partner Bancorp. When you pay in store by tapping your phone, Google Wallet passes the virtual card to the merchant for payment and charges your selected credit or debit card for the purchase.

How does the Google Wallet app transmit payment details when using my phone to tap and pay?

The Google Wallet app uses Near Field Communication (NFC), a wireless connection to transmit payment details to the merchant.

Are my credit and debit card numbers passed to the merchant?

No, only the virtual prepaid MasterCard card information is passed to the merchant.

Can I use any of my cards to pay with Google Wallet – even if they aren’t credit or debit cards?

At this time, you can pay with Google Wallet using any of your credit or debit cards. However, you cannot pay with any specialized cards, such as merchant-specific gift cards, Flexible Spending Account (FSA) cards, and other single-purpose cards.

Can I tap and pay using the funds in my Google Wallet Balance?

Yes. You can use your available funds in Google Wallet Balance to tap and pay. In this case, Google Wallet will withdraw the corresponding amount of the purchase from your Wallet Balance.

Are there instances when paying with Google Wallet in stores won’t work?

Android NFC devices can be used to pay with Google Wallet where contactless payments are accepted. In certain instances, the contactless hardware at the merchant location may be old or malfunctioning and may not work. Also, there are a few exceptions where Google Wallet may not work, depending on the merchant type, card type, ticket size, or category of product sold. In any of these instances, if you get an error, please pay by swiping your regular credit or debit card.

Do I need to be connected to the internet to use Google Wallet for tap and pay?

You will need to be connected to the internet in order to unlock the app with your 4-digit security PIN and tap and pay in stores. However, if you set your PIN timeout in the app settings, you can be offline for up to 24 hours and still tap and pay without being connected to the internet.

Will the Google Wallet app work with cards issued outside of the United States?

No. The Google Wallet app is currently available in the United States and will not work with cards issued in any other country or currency.

How do I save my merchant gift cards to Google Wallet?

To add your gift cards to Google Wallet, take pictures of your physical gift card, front of the card and back, and we’ll try to read the card. If we can’t read your card, simply type in the gift card number and PIN.

How do I keep track of my gift card balance?

For many merchants, the Google Wallet app will update your gift card balance automatically. For unsupported merchants, you can enter an initial balance and update it manually.

Why don’t I get balance automatically for all gift cards I add to Wallet?

Certain types of gift cards don't support automatic balance updates. For these gift cards, you can type in the original balance and update it manually from within the app.

How do I redeem my gift card in stores using Google Wallet?

You can redeem your gift card at most merchant locations by showing it at checkout. The cashier will scan your gift card or type in the gift card number. When we know a merchant doesn’t support mobile redemption, the app will remind you to hold on to your physical gift card.

Can I add any gift card to Google Wallet?

You can add any merchant-specific gift card to Google Wallet. If you also have gift cards that can be redeemed at any store (like a Mastercard prepaid card), just add them as a form of payment under “Cards and accounts” in the left panel.

Why does my synced gift card balance appear to be incorrect?

At some merchants, particularly restaurants, it can take a little time before the gift card’s balance is updated. Try waiting a day and then hitting the refresh button on your gift card.

How can I save my loyalty programs to Google Wallet?

You can easily scan the barcode or type the numbers on the card to add your existing loyalty programs to Google Wallet. You can also join other programs from within the Google Wallet app by clicking on the merchant logo or name.

What are some of the unique features about the loyalty programs that I can join directly from the Google Wallet app?

For select merchants in the Wallet app, you can see real-time loyalty point updates, receive merchant messages, and check your loyalty status.

How do I earn loyalty points with the loyalty programs saved to my Google Wallet app?

At checkout, you just need to scan the barcode or show the merchant your loyalty program ID number saved in your Google Wallet app.

What are the different ways I can send money with Google Wallet?

You can send money to anyone in the US with an email address using the Google Wallet app. You can also send money in Gmail by hovering over the attachment paperclip icon and clicking the $ icon to attach money to a Gmail message on your desktop. Payments can be funded from your Google Wallet Balance, bank account, debit cards and/or credit cards. The recipient does not need to have a Gmail address, but will be prompted to sign in or sign up for Google Wallet to accept the money.

What are the different ways I can request money with Google Wallet?

You can request money from anyone in the US with an email address using the Google Wallet app. You can also request money in Gmail by hovering over the attachment paperclip icon and clicking the $ icon to attach the request to a Gmail message on your desktop. The recipient does not need to have a Gmail address, but will be prompted to sign in or sign up for Google Wallet to send the money.

How do I get access to sending money in Gmail?

We’re rolling out this feature over the coming months to all US Gmail users over 18 years old, so keep an eye out for the $ icon in the attachment options. You can get earlier access to send money in Gmail if you install the Google Wallet app and start sending money. You will also get access if your friends have the feature and send money to you. If you've already claimed money, you will need to wait around 30 minutes and then refresh Gmail to see the $ icon. Once you see the $ icon in your attachment options, you are enabled to start sending money.

If I’m still using the old Gmail compose, will I be able to send money with Gmail?

Sending money through Gmail is only available in the new compose experience. If you aren’t using the new compose, you can upgrade by clicking “Try out the new compose experience” next to the “Labels” button in your Gmail. You can also send money from the Google Wallet app.

What if the person I am sending money to does not have a Gmail account?

You can send money to anyone in the U.S. who has an email account, even if it is not Gmail. In order to claim the money, the recipient will just need to sign in or sign up for Google Wallet.

Do I need to have Google Wallet to send, request or receive money?

You will need to have or sign up for Google Wallet to send, request or receive money. If you have ever purchased anything on Google Play, then you most likely already have a Google Wallet. If you do not yet have a Google Wallet, don’t worry, the process is simple: go to wallet.google.com and follow the steps.

What if the person I am requesting money from does not have a Gmail account?

You can request money from anyone in the U.S. who has an email account, even if it is not Gmail. In order to send the money, the recipient will just need to sign in or sign up for Google Wallet.

What happens if the person I send money to does not claim the money?

If the recipient does not claim money sent within 14 days, the money will be returned to the sender’s Google Wallet Balance.

How do I receive money?

You will receive an email when you are sent money. If it is your first time receiving money, you’ll need to sign in or sign up for Google Wallet and verify your identity. After that, the money you are sent will appear automatically in your Google Wallet Balance. You can then use your Wallet Balance to transfer to your bank account, send money to friends, purchase on Google Play, purchase in stores with the Google Wallet Card or NFC tap and pay, or withdraw money at ATMs with the Google Wallet Card.

Why does Google Wallet need to verify my identity in order for me to claim money or add a bank account?

Certain features of Google Wallet, such as the Google Wallet Balance and sending money, are subject to rules issued by the Financial Crimes Enforcement Network (FinCEN), an agency of the federal Department of the Treasury. These rules require us to verify the identity of Google Wallet users (through the collection of certain identifying information, such as Social Security Number) who establish certain types of accounts.

Can I send money to or request money from someone outside of the U.S.?

At this time, sending money with Gmail and Google Wallet is only available in the United States.

What happens if the person I request money from does not send the money?

You can send a reminder by navigating to the request in your list of transactions and tapping “Send reminder.”

Will I be charged a fee to send money?

It's free to send money directly from your bank account or using your Google Wallet Balance. To send money using a credit card, there will be a flat fee of 2.9% per transaction (minimum $0.30).

Will I be charged a fee to receive money?

No, receiving money is always free.

Is there a limit on how much money I can send?

There is a daily transfer limit of $10,000 USD and a $50,000 USD transfer limit per 5 day period. This includes both money sent to others as well as money transferred in and out of your Google Wallet Balance. You may send as many transactions up to the limits. These limits are subject to change.

How long does it take for the recipient to receive the money?

The recipient will receive an email confirmation that they’ve been sent money immediately after you hit “send”. If you are sending from your Google Wallet Balance, credit or debit cards, the recipient will receive funds almost instantaneously in most cases. Sending money directly from your bank account could take up to several days. Google Wallet will notify approximately you how long it will take for the recipient to receive the money you sent.

How can I transfer money I received to my bank account?

You can transfer money from your Google Wallet Balance to your bank account by adding your bank account to Google Wallet, under “Payment Methods” at wallet.google.com. After you've added your bank account, you can transfer money from the same page. Please note it may take a few days for the transfer to complete. Google Wallet will notify you approximately how long it will take.

Is there a limit on how much money I can request?

There is a request limit of $10,000 USD.

Will I be charged a fee to request money?

No, requesting money is always free.

What are other things I can do with my Google Wallet Balance once I’ve claimed money?

Once you’ve claimed money, the money will be available in your Wallet Balance. You will be able to use your Wallet Balance to send money to other people, transfer to your bank account, purchase on Google Play and other Google properties, or purchase in stores with the Google Wallet Card or withdraw cash at ATMs.

What are offers?

Offers are deals from local and national merchants that you can save from sites across the web. These offers are tied to your Google account and can be redeemed with your Google Wallet app at checkout.

Where can I find offers to save?

You can find offers to save directly from merchant sites across the web.

How can I redeem the offers?

Simply show your offer from the Google Wallet app to the cashier at checkout. The cashier will either scan the offer’s barcode or manually type it in.

How do I save an offer to my Google Wallet?

Wherever you see a “Get Offer” or “Save to Google” button, a simple click will save that offer to your Google Wallet. If you don't have Google Wallet set up yet, log in with your Google account and download the Google Wallet app. Then, you can start saving offers to your Google Wallet app on your smartphone.

Do I have to pay to save an offer to my Google Wallet?

No. Whenever you see the “Save to Google” button, the offer you are saving is a free offer, not a prepaid offer. When you go to “Offers” in the Google Wallet app, you will see all of your saved offers.

What is Orders?

Orders is a feature that you can turn on in the Google Wallet app that lets you easily track your online purchases, get shipping notifications, and view detailed order history.

How do I begin tracking my orders?

Download the Google Wallet app and activate this feature from the Google Wallet home screen or in the menu under “Orders.”

How does Google Wallet show my online order history?

Google Wallet fetches information from your online order receipts in your Gmail inbox, so when you opt in to Orders, you can automatically find the order info from your purchases based on these receipts.

How can I order a Google Wallet Card?

If you’re in the US and have already verified your identity, you can request a Google Wallet Card from the Google Wallet app or from wallet.google.com/cardRequest. The card would be shipped directly to your mailing address. There are no fees to order and activate the card.

How does the Google Wallet Card work?

The Google Wallet Card is funded by your Wallet Balance. Money is added to your Wallet Balance either by someone sending you money via Wallet or Gmail or by adding it yourself from a linked bank account or from a credit or debit card. The card has no fees to order and activate. There are no annual or monthly fees for the Google Wallet Card.

How do I make purchases with the Google Wallet Card?

The Google Wallet Card is accepted at millions of MasterCard® locations. Choose either credit or debit at checkout, and if you're prompted for a PIN, enter your Google Wallet PIN.

You can check your Wallet Balance anytime using the Wallet app, or by visiting wallet.google.com. If you don’t have enough money in your Wallet Balance to cover a purchase, tell the cashier in advance how much to deduct from your card and how much you will pay using an alternate payment method. Note that this process, known as "split tender," may not be supported by all merchants.

The money in your Wallet Balance is what you have available to spend, up to a limit of $5,000.00 per 24 hours. This limit doesn't include cash withdrawals at ATMs or banks.

Are there fees associated with the Google Wallet Card?

There are no fees to order and activate the card, and no annual or monthly fees. Google also doesn’t charge any ATM fees, though some ATM providers may charge you a fee for cash withdrawals. Learn more about fees here.

Can I withdraw cash at ATMs?

You can withdraw cash from ATMs, get cash back with purchases, or get cash over the counter at a bank. To withdraw cash at an ATM, select “checking account” when prompted. To check the current limit on how much cash you can withdraw per 24 hours from an ATM or bank, check under "settings" in the app, or click the Wallet App and Card link on wallet.google.com.

How do returns get processed?

When returning purchases, you may be asked to show your Wallet Card to the merchant. Refunds made to the Wallet Card will be deposited in your Wallet Balance.

What PIN should I use for making purchases or withdrawing cash?

Use your Wallet PIN when prompted by a merchant, or when getting cash back at ATMs. You can reset your PIN anytime in the settings of the Wallet app, or by going to wallet.google.com.

What address or ZIP code should I use if prompted during a purchase?

Use the address or ZIP code that is listed as your home address in your Wallet settings. You can update this address anytime by visiting wallet.google.com and clicking on the settings gear icon.

How do I cancel my card?

If you lose your Wallet Card, or decide to stop using it for any reason, you can cancel it by going to wallet.google.com and clicking on “Wallet App and Card”. You can also cancel the card from the Wallet App on iOS. After canceling your card, you can also order a replacement card from wallet.google.com or from the Google Wallet app.

Can I use the Google Wallet Card internationally?

You cannot use the Google Wallet Card outside the US right now.

How do I contact customer support?

Visit online at support.google.com, or call us 24/7 with any questions about your Wallet Card at 1-855-492-5538.

What if my phone or card is lost or stolen?

You can remotely disable the Google Wallet app or card online at wallet.google.com. Disabling the app or card prevents use of Google Wallet for in-store payments.

What is Google Wallet Fraud Protection?

Google Wallet Fraud Protection covers 100% of verified unauthorized Google Wallet transactions reported within 120 days of the transaction date. In order to be eligible for coverage under this policy, you must be a resident of the US and have a Wallet account that is associated with a US address. If you would like to file a report about an unauthorized Google Wallet transaction, please contact us here. Unauthorized transactions on other Google products, such as Google Play, Google Drive, and YouTube are covered under separate policies. Please refer to the relevant help center for further information.

How do I lock my Google Wallet app?

You can set a 4-digit security PIN to access your Google Wallet app. Each time you open your Google Wallet app, you will be prompted to enter your 4-digit security PIN.

Is it possible to delete all cards and data from the Google Wallet app on my phone?

Yes, you can reset the Google Wallet app and remove all payment credentials and transaction data via the “Settings” menu in the app. Please note that this feature resets the Wallet app on your phone and erases all data from it, but you will still be able to use your saved cards in your Google Wallet account online for online purchases.

How does Google Wallet protect my payment credentials?

Google Wallet stores your credit and debit cards on secure servers and encrypts your payment information with industry-standard SSL (secure socket layer) technology. Your full credit and debit card information is never shown in the app and won't be shared with the merchant. In addition, access to Google Wallet is protected by password or PIN. We also recommend locking your phone with a passcode for additional security.

What is Host Card Emulation?

Host card emulation allows Android applications to communicate directly over NFC on supported devices with Android 4.4 KitKat. When you tap your phone to pay, HCE enables Google Wallet to pass transaction information to the point-of-sale terminal to complete your transaction.

Could a malicious application access my credit card on Host Card Emulation?

Your actual credit card number is not stored. Only the virtual prepaid card is stored and Android's native access policies prevent malicious applications from obtaining the data. In the unlikely event that the data is compromised, Wallet also uses dynamically rotating credentials that change with each transaction and are usable for a single payment only. Finally, all transactions are monitored in real-time with Google’s risk and fraud detection systems.

If someone gets close to my NFC-enabled phone, could they read sensitive data from my Google Wallet?

No. The NFC antenna in your phone is only activated when the screen is powered on and unlocked, and even if the antenna is on and in proximity of a reader, payment credentials can only be transmitted to a payment terminal after you have entered your Google PIN. For the greatest security, we recommend users with Android phones set their "PIN timeout" to 15 minutes so the app is locked soon after use.

Do my issuing bank’s purchase protection policies still apply?

In addition to Google Wallet Fraud Protection, you may also have certain rights under your agreement with the issuing bank of your credit or debit card. Contact your issuing bank for more information.

Am I liable for unauthorized transactions made using Google Wallet?

Google Wallet Fraud Protection covers 100% of verified unauthorized Google Wallet transactions in the US. Contact us here to report an unauthorized Google Wallet transaction. You may also have refund or other rights under your agreement with the issuing bank of your linked credit or debit card. Please contact your issuing bank for more information.

What data does Google Wallet store about my purchases?

Google Wallet records information about your purchases, such as merchant, amount, date and time, method of payment, and, optionally, geolocation. You can view your Transaction History in the Wallet app and in the online management center.

Sending money

Google Wallet Balance No fee
Bank account No fee
Debit cards No fee
Credit cards 2.9% per transaction (minimum $0.30)

Requesting money

Requesting money No fee

Receiving money

Receiving money No fee

Making a purchase

Wallet Card purchase No fee
Tap and pay purchase No fee

Wallet Balance transfers

Adding money to Wallet Balance from checking account No fee
Adding money to Wallet Balance from credit or debit card 2.9% fee with a $0.30 minimum

ATM & cash withdrawals

Cash back at point of sale (i.e. at a grocery store checkout) No fee
Over-the-counter cash withdrawals at a bank No fee
Checking your Wallet Balance online or with the app No fee
Checking your Wallet Balance at an ATM Google charges no fee. Some ATMs may charge a fee for each balance inquiry
ATM withdrawal Google charges no fee. ATMs may charge a fee for each cash withdrawal.