Google Pay^TM FAQs

Google Pay is a secure and easy-to-use mobile payment service that can be used to pay in stores wherever Contactless payments are accepted; just look for the Contactless or Google Pay symbol.

It enables the use of eligible AIB cards through most Android phones by leveraging existing Near Field Communication (NFC) technology to make mobile payments.

Google Pay works with most NFC capable Android devices.

You can see if your device is NFC enabled by checking this in your phone settings.

• AIB Personal Credit Cards

• AIB Debit Cards

AIB Visa Corporate and Business Credit Cards are not currently supported.

Download Google Pay from the Google Play Store.

1. Open the Google Pay app and tap the ‘+’ sign.

2. Line up your AIB card within the frame on the screen to capture your card details automatically or enter these details manually.

Note: Any card(s) previously registered in the Google Play Store will be automatically displayed.

3. Confirm your details and your CVC and your address.

Your CVC is the 3 digit code on/beside the signature panel on the back of your card

4. Read and if you are happy to do so, Accept the Terms and Conditions.

5. Verify your card by following the on-screen instructions

i. If your mobile number is registered with AIB you will be prompted to verify using a One-Time Passcode sent by text message

ii. If your mobile number is NOT registered with AIB you will be prompted to verify by calling our Customer Support team

6. Complete; you’re now ready to use Google Pay. 

To ensure the security of your card, we send a one-time passcode by text message. You will verify your identity by entering this code in the appropriate field.

The one-time passcode will always be sent to the primary cardholder or, for Business Debit Cards, the account owner.

In-Store

For transactions under €50, simply wake your phone by lighting it up. For added security, you will occasionally be required to also unlock your device.

For transactions over €50*, unlock your device and hold the back of it to the Contactless payment terminal until you see a checkmark. Your phone will beep and/or vibrate to confirm that the payment has been made.

*Google Pay transactions above €50 may not be supported by some merchant terminals

In-App

Just select the Buy with Google Pay button at checkout within participating apps.

In-Store

You can use Google Pay wherever Contactless payments are accepted; just look for the Contactless or Google Pay symbol.

or  

In-App

You can pay in any app where you see the Buy with Google Pay button. 

You may require a mobile data or Wi-Fi connection to make Google Pay transactions In-Store. You will need a mobile data or Wi-Fi connection to add a card to Google Pay, to replenish security settings and after a device restart. You will need mobile data or Wi-Fi connection to receive the transaction notification.

Your last 10 transactions will be displayed in the app.

Debit Cards:

In-Store: As with existing AIB Contactless fees and charges, the account transaction fee is waived for all Contactless transactions until further notice.  For non-euro Contactless transactions the Point of Sale Currency Conversion Fee of 1.75% of euro value will apply.

In-App: As with existing  internet purchases, the account transaction fee of €0.20 may apply depending on your account type.  For non-euro transactions the Point of Sale Currency Conversion Fee of 1.75% of euro value will apply.

For more information on fees and charges for your account type please review “A Guide to Fees and Charges for Personal Accounts” or “Business Fees and Charges” for Business Accounts.

Credit Cards:

In-Store & In-App: No AIB Credit Card transaction fees apply. Currency conversion fees apply to non-Euro Google Pay transactions, in the same way as they do to any non-euro credit card transaction.

For more information on the Currency Conversion fees please view our “Schedule of International Transaction Charges”.

Mobile network provider charges may apply depending on your data plan.

Yes. When you shop at a merchant, Google Pay doesn't send your actual credit or debit card number with your payment. Instead a virtual account number is used to represent your account information - so your card details stay safe.

If your card is lost or stolen, please contact us immediately on 1800 24 22 27 (+353 1 269 5022), 24 hours a day.  Your physical card will be blocked and a new card sent to you.

Credit Cards:

Once reported to AIB as lost or stolen, your card details will be automatically updated and you can continue to use Google Pay on your device whilst your new card is sent to you.

Debit cards:

Once you report the card as lost or stolen, a new card will be ordered and posted to you. Your AIB card in your Google Pay app will by automatically updated by the time you receive your new card in the post, you are not required to update the app yourself. You will not be able to use your AIB card on your Google Pay app until it was been automatically updated. 

If your device is lost/stolen, please contact us immediately on 1800 24 22 27 (+ 353 1 269 5022), 24 hours a day and we can block your card on Google Pay.

We recommend that you also register for and use Android Device Manager. This will allow you to find, lock and delete details on your phone if it is lost or stolen. You can enter ‘Find my device’ on Google.com to locate your device.

The first card you add to Google Pay becomes your default payment card and will remain so unless you change it.

To change your default card, or to make a payment using another card, simply select the preferred card within the Google Pay app settings and tap 'Set as default card'.

Yes. You can add as many cards as you want, provided they are compatible cards.

Google Pay refunds work the same way as physical card refunds. That is, you should consult with the retailer directly to refund a transaction.

If you replace or update your device, you will need to add your card(s) to Google Pay again.

Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of it. You should also remove your card if you temporarily pass your device to someone else; for example if you pass it to be repaired.

You can remove a card from Google Pay at any time. Select the card within the Google Pay app, and tap 'Remove card'. You can also go to Android Device Manager to remotely erase all the data in the device, including your card(s).

Google Pay enables Contactless transactions on your Android device instead of your physical card. 

While Contactless payments on your physical debit card are subject to a €50 threshold per transaction, Google Pay will allow transactions over €50*, provided the available balance or credit limit exists.

* Google Pay transactions above €50 may not be supported on some merchant terminals.

• Never leave your device unattended.

• Use appropriate security on your device such as passcode, pattern or fingerprint recognition

• Change your device passcode immediately if you suspect anyone else knows it.

• Only register your own fingerprint and do not allow anyone else to add their fingerprints to your device (if your device supports this feature).

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

• 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 for and use Android Device Manager. This will allow you to find, lock and delete details on your phone if it is lost or stolen.

• Make sure your contact details are up to date with AIB so we can get in touch with you quickly should we need to.

There could be a number of reasons for this:

• There may be insufficient funds or credit limit available to make the transaction

• The payment is over €50

Some merchants may not support Google Pay transactions above €50 on their terminals.

• The merchant does not accept Contactless payments

Not all retailers accept contactless payments yet. Please use another payment method such as your AIB debit or credit card with Chip and PIN authorisation.

• You haven’t established a data network or Wi-Fi connection for a while

 Mobile data or Wi-Fi connection is required after 30 transactions to replenish security settings and after a device restart.

• Your phone is not NFC capable or the NFC function is turned off

Call us on + 3531 2695022 for Debit Card or +353 1 6685500 for Credit Card queries.