Question about Google Pay?

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General questions

Google Pay is a payment method that allows you to make contactless payments using your Android phone. This method allows you to pay quickly and easily.

You can use Google Pay if you are an ABN AMRO personal customer with an ABN AMRO current account and a Google account and you are aged 16 or over. The age limit (16 years or older) for Google Pay in the Netherlands is set by Google.

You can use Google Pay on all Android phones running Android 7 or higher. For payments, the phone must support NFC (Near Field Communication). You can check whether your phone supports NFC and whether NFC is enabled in the phone's settings.

Before activating Google Pay, check to make sure you satisfy the following requirements:

  • You are aged 16 or over
  • You have an ABN AMRO personal current account
  • You have installed the latest version of the ABN AMRO app
  • You have an Android device that is compatible with Google Pay
  • Your Android device is running on Android 7 or higher
  • Your Android device has NFC (Near Field Communication)
  • You are logged in with your Google account on your phone
  • Your phone’s region setting is ‘the Netherlands’
  • You have registered a correct mobile telephone number with ABN AMRO
  • You have an internet connection

There are no additional costs connected to activating or using Google Pay.

Activating or removing Google Pay

You can activate Google Pay using the ABN AMRO app.

  1. Open the ABN AMRO app on your Android phone.
  2. Go to the 'Self service' tab and tap 'Google Pay'.
  3. Select the debit card you want to link to Google Pay and confirm your choice.
  4. Accept the terms and conditions of both Google and ABN AMRO.
  5. When activating Google Pay, if you are asked whether you want to use Google Pay as your default payment method, select 'Accept or 'Yes'.
  6. You can now make payments using Google Pay.

You cannot activate Google Pay through the settings of your Android phone.

Does the 'Google Pay' option not appear in the ABN AMRO app? Then tap 'Log out' and open the ABN AMRO app again. Go to 'Self-service' and tap 'Google Pay'.

ABN AMRO does not yet allow you to use Google Pay on your Android tablet or smartwatch. Google Pay only works on Android phones with NFC and Android 7 or higher.

Google Pay shows you the last four digits of your debit card number. These digits do not correspond to your IBAN number or card number. That's why you don't recognise the number. 

How to check your card number
Do you have a new-style ABN AMRO debit card? The card number is printed on the back of your card. The last four digits of the card number correspond to the four digits of your digital debit card in Google Pay. 

ABN AMRO betaalpas

Do you have an old-style ABN AMRO debit card? Look at the last digit of your account number and the first two digits of your card number. This combination is the same as the first three digits on your digital debit card in Google Pay.  

Oude ABN AMRO betaalpas

Yes, you can add multiple debit cards. As devices do not share digital debit cards, if you want to use the same debit card on two different devices, you will need to add the debit card on each device separately. You choose a debit card as the default debit card that you want to use with Google Pay.

You can delete Google Pay through the ABN AMRO app or through your phone's settings.

Through the ABN AMRO app

  1. Log into the ABN AMRO app.
  2. Tap the 'Self service' tab.
  3. Tap 'Google Pay'.
  4. Select the card you want to delete.
  5. Delete your debit card by clicking the bin next to the name of your device.
  6. Confirm your choice.

Through your phone's settings

  1. Go to the Google Pay settings on your phone. Depending on your phone, you can find these settings as follows:
    - On your phone, go to 'Settings'. Tap 'Google' and then 'Google Pay'. 
    - On your phone, go to 'Settings'. Tap 'Google', then 'Account Services' and finally 'Google Pay'.
  2. Delete your debit card by clicking the bin.
  3. Confirm your choice.

Making payments

You can make payments using Google Pay wherever you see the symbol for Google Pay or contactless payments.
Contactloos betalen

To make a small payment of less than €50, disable sleep mode on your phone and hold it against the payment terminal. You can make contactless payments of up to €100 per day in a row without unlocking your phone, or on your fourth consecutive payment with an amount lower than €50. For larger amounts (over €50), you will need to unlock your phone using your security code, facial recognition or your fingerprint.

You cannot make payments online and within apps through Google Pay at the moment. ABN AMRO is in talks with Google to make this available in due course.

No, you cannot use the Google Pay app with ABN AMRO at the moment. You can easily activate and delete Google Pay through the ABN AMRO app.

Payments will automatically be made with the card you have set as your default payment card. If you would like to use a different card, go to the ABN AMRO app or your phone's settings and select another debit card.

Through the ABN AMRO app

  1. Log into the ABN AMRO app.
  2. Tap the 'Self-service' tab.
  3. Tap 'Google Pay'.
  4. Select the card you want to use as your default payment card.
  5. Tap 'Set as default card'.
  6. Confirm your choice.  

Through your phone's settings

  1. Go to the Google Pay settings on your phone. Depending on your phone, you can find these settings as follows:
    - On your phone, go to 'Settings'. Tap 'Google' and then tap 'Google Pay'.
    - On your phone, go to 'Settings . Tap 'Google', then 'Account Services' and finally 'Google Pay'.
  2. Select the default payment card you want to pay with.
  3. Confirm your choice.

If you want to pay with your ABN AMRO debit card using Google Pay, you need to have Google Pay set as your default payment app. You can set this through the ABN AMRO app or your phone's settings.

Through the ABN AMRO app

  1. Log into the ABN AMRO app.
  2. Tap the 'Self service' tab.
  3. Tap 'Google Pay'.
  4. Tap 'Set default payment app'.
  5. Select 'Replace'.
  6. Google Pay is now set as the default payment app.

Through your phone's settings

Go to the 'contactless payments' settings on your phone. You can find these settings as follows:

  1. On your phone, go to ‘Settings’.
  2. Tap 'Connected devices'.
  3. Tap 'Connection preferences'.
  4. Tap 'NFC' and then 'Contactless payments' (or 'Apps & notifications', depending on your phone).
  5. Select 'Google Pay' as your 'Default payment app'.
  6. Confirm your choice.
  7. Google Pay is now set as the default payment app.

To find out which digital debit card goes with which account, just look at the card number of your plastic debit card. 

New-style debit card
Do you have a new-style ABN AMRO debit card? The card number is printed on the back of your card. The last four digits of the card number correspond to the four digits of your digital debit card displayed on your Android phone. 

ABN AMRO betaalpas

Old-style debit card
Do you have an old-style ABN AMRO debit card? Look at the last digit of your account number and the first two digits of your card number. This combination is the same as the first three digits on your digital debit card in Google Pay.  

Oude ABN AMRO betaalpas

You can make payments of up to €2,500 per account per day with Google Pay. This also applies to customers aged 16 and 17 with a student account. Customers aged 16 or 17 with a Youth Growth Account can spend up to €150 a day with Google Pay. (You decide whether your child can use Google Pay. You can easily enable and disable Google Pay for your child through the ABN AMRO app or Internet Banking.)

If you lower your card limit to €1,000, for example, Google Pay will also have a payment limit of €1,000. Find out here how to change your spending limit.

Yes, Google Pay has a global coverage. You can make payments with Google Pay wherever you can use your Maestro debit card to make contactless payments. If you are travelling abroad, set your debit card to 'World' in the ABN AMRO app. Please note that Maestro debit cards are not accepted in all countries.

Payments made using Google Pay will look exactly the same as payments made using your debit card. So you will not be able to tell from your statement whether a payment was made through Google Pay.

Using Google Pay

Yes, you can, although both cards must be activated separately. You can only activate your own card through the ABN AMRO app.

No, you can only use Google Pay with a personal current account.

Without the Internet, you can pay up to ten times within and outside of the Netherlands. You will need to reconnect the phone to the internet before you can make new payments.

No, Google Pay is a contactless payment service. You can simply use your Android phone to make a payment at a card machine. But don't throw away your debit card as you will need it to withdraw money, use the e.dentifier and when you cannot make contactless payments in shops.

No, you can only use Google Pay to make payments.

Security & Privacy

Making payments using Google Pay is just as secure as making payments using your debit card. You no longer need to touch a card machine or pay with cash.

No, you don't need your PIN number. To make a small payment of less than €50, disable sleep mode on your phone and hold it against the payment terminal. You can make contactless payments of up to €100 per day in a row without unlocking your phone or on the fourth consecutive payment with an amount lower than €50. For larger amounts (over €50), you will need to unlock your phone using your security code, facial recognition or your fingerprint.

To use Google Pay, a screen lock must be set up on your Android phone.

You can disable these payments by disabling the NFC functionality on your phone.

Amounts less than €50 can be paid without the unlock code. You can pay a total amount of €100 without unlocking the phone. Once you have reached this amount, you will need to unlock the phone using your security code, facial recognition or your fingerprint. It will then return to €0. If you unlock your phone in the meantime, the counter will also return to €0.

  • Please call 0900 00 24 (calls charged at your standard rate)
  • From abroad:   Call +31 (0)10 241 17 20

Available on:
Monday to Friday: 8am to 9pm 
Saturday: 9am to 5.30pm 
Closed on Sundays and public holidays

Outside of the above opening hours, please call 088 - 22 62 630.

Your card details are not stored on your phone by Google Pay. Anyone who finds or steals your phone will have no access to that information – even if your phone is unlocked.

Tip: enable 'Find my device'
If your phone is lost or stolen, you want to find it quickly. Enable the 'Find my device' app on your phone in advance through the Google Pay settings on your phone:

  1. On your phone, go to ‘Settings’.
  2. Tap 'Google'.
  3. Tap 'Security'.
  4. Tap 'Find my device'.
  5. Enable the 'Find my device' app.

Blocking Google Pay
You can block Google Pay in two ways:

1. Through Android Device Manager
Through Android Device Manager , you can easily block all functions remotely if your phone is lost. Please note that the 'Find my device' app must be enabled on your Android phone before your phone is lost.

2. Through our Customer Service department
Unable to block Google Pay through the Android Device Manager? Contact our Customer Service department.

  • Please call 0900 00 24 (calls charged at your standard rate)
  • From abroad:   Call +31 (0)10 241 17 20

Available on:
Monday to Friday: 8am to 9pm 
Saturday: 9am to 5.30pm 
Closed on Sundays and public holidays

Outside of the above opening hours, please call 088 - 22 62 630.

Yes, you can, because you do not need your plastic debit card to make payments with Google Pay.

You can activate and use Google Pay if you have a Google account. ABN AMRO shares some personal details with Google LLC. In the initial activation screen in the ABN AMRO app, you will see your personal details that are required in order to activate Google Pay. These personal details are your name, residential address (street and house number, postcode, town/city and country) and telephone number. These are the contact details that you have previously provided to the bank as part of our agreement with you. For the purpose of potential fraud prevention, Google compares these personal details with the contact details you use for your Google account. These personal details are shared with Google after you accept the Google Pay terms and conditions.

Google is responsible for and the Google privacy statement applies to the further use of personal details once Google Pay is activated. You can change your Google Pay privacy preferences at any time.

Google has access to payment transactions you make using Google Pay and is subject to the Google privacy statement . You can change your Google Pay privacy preferences at any time. All your Google Pay transactions will also appear on your account overview in the usual way. More information about how Google Pay handles your transaction data is available on the Google website .

Google does not save any other details of the cards you’ve added to Google Pay on its servers, nor does it have access to them.

More information about how Google Pay handles your transaction data is available on the Google website .

ABN AMRO does not have access to your Google account. ABN AMRO only allows you to use Google Pay.