Frequently asked questions Google Pay™

Google Pay is a method of paying quickly and easily with your smartphone or smartwatch. Add your ICS credit card to Google Wallet™ and pay in physical and online shops without your plastic credit card. This is done through contactless payments with your smartphone or smartwatch. 

All Cardholders with an ICS credit card can use Google Pay. Of course, you need an Android device. You also need the ICS Gold Creditcard app to add your credit card to Google Wallet. If you don't have the app yet, activate it first.

Activate the ICS Gold Creditcard app (in Dutch)

Google Pay works on:

• Smartphones with Android 9 or later
• Tablets with Android 9 or later
• Smartwatches with Wear OS 2 or later

Your device must support Near Field Communication (NFC). Make sure that NFC is turned on in your settings.

Google Pay is free. You do need an Android device.

The General Conditions Digital Creditcard (PDF) apply when using Google Pay.

This is what you need to activate Google Pay on your smartphone:

• An ICS credit card
• Version 7.12.0 or later of the ICS Gold Creditcard app
• An Android device with NFC
• A Google account
• Internet connection
• Your phone number that is known to us

You also need the following things to activate Google Pay on your smartwatch:

• A smartwatch with Wear OS 2 or later
• The Google Wallet app on your smartwatch

This is how to activate Google Pay on your smartphone:

1. Open the ICS Gold Creditcard app, go to ‘Card’ and select ‘Google Pay’
2. Click on ‘Add Card to Google Wallet’
3. Accept the terms and conditions

You need version 7.12.0 or later of the ICS Gold Creditcard app to activate Google Pay.

This is how to activate Google Pay on your smartwatch:

1. Open the Google Wallet app on your smartwatch
2. Set up screen lock if you haven't done so already
3. Open the watch app on your phone and follow the instructions to add your credit card

Yes, you can do that. If you want to add your credit card to multiple devices, you will have to do that for each device separately.

There are two ways you can remove Google Pay: via Google Wallet or your Google account.

Removing Google Pay via Google Wallet

1. Open Google Wallet and go to ‘Payment methods’
2. Choose the credit card you want to remove
3. Select ‘Remove’ and confirm your choice

Removing Google Pay via your Google account

1. Go to pay.google.com and log in with your Google account
2. Go to ‘Payment methods’ and choose the credit card you want to remove
3. Select ‘Remove’ and confirm your choice

In shops: you can pay with Google Pay in shops where credit cards are accepted, and you see the Google Pay and contactless payment symbols:

In apps or online: you can pay with Google Pay in apps and online shops if you see the Google Pay button:

• With your smartphone: unlock your smartwatch with facial recognition, your fingerprint or access code and hold it up to the card machine's reader
• With your smartwatch: open Google Wallet on your smartwatch and hold your wrist up to the card machine's reader

Yes, you can pay online with Google Pay if you see the Google Pay button:

You can choose to use a credit card for a once-off payment, or you can set up a credit card as a default payment method.

This is how to choose a credit card for a once-off payment:

1. Open Google Wallet
2. Select the credit card you want to pay with
3. Hold your phone up to the card machine's reader

This is how to set up a credit card as a default payment method:

1. Open Google Wallet
2. Select the credit card you want to set up as default
3. Go to ‘Details’ and click on ‘Make default for tap to pay’

Make sure that you have set up Google Pay as your default payment app. You can easily do this in your smartphone's settings. This is how it works:

1. Go to ‘Settings’, ‘Connected devices’ and ‘Connection preferences’
2. Select ‘NFC’ and then ‘Contactless payments’ or ‘Apps & notifications’
3. Select ‘Google Pay’ as your ‘Default payment app’ and confirm your choice

You now have set up Google Pay as your default payment app.

This depends on your ICS Mastercard Gold's spending limit. You can spend whatever amount you have in your limit with Google Pay. Our Terms and Conditions Digital Creditcard (PDF) apply.

Yes, you can pay with Google Pay anywhere where credit cards are accepted and you see the Google Pay and contactless payment symbols.

A payment via Google Pay looks the same as other payments with your credit card. In the payment details you will see ‘Google Pay’.

Yes, Google Pay works with all ICS credit cards. This means you can also use it with your business credit card.

You can pay in shops without an internet connection. You do need the internet for online purchases.

No, you do not need your physical credit card for contactless payments with Google Pay. Your Android smartphone or smartwatch is your credit card.

It is not possible to make contactless withdrawals at some ATMs. In this case, you do need your physical credit card. You also need your physical credit card whenever it is not possible to pay contactless. 

Yes, you can withdraw money with Google Pay:

• With an Android smartphone or smartwatch
• If the ATM accepts contactless payments
• If you enter your physical credit card's PIN (not your smartphone or smartwatch's access code)

Please note: withdrawing money with a credit card costs money and is limited to a maximum amount. Read more about withdrawing money (in Dutch).

1. Open the Google Wallet app on your smartwatch
2. Choose a credit card
3. Scroll down to see your payments overview

Paying with Google Pay is just as safe as paying with your credit card. The only difference is that you don't need your physical credit card anymore. Use your smartphone, smartwatch or laptop instead. And with facial recognition, your fingerprint or access code, confirming your payment is safe and quick. It's important that you hide your smartphone or smartwatch's access code when you unlock it or pay with it. This is to make sure that no one can see it.

No, you don't need your PIN. You only need to unlock your Android device with facial recognition, your fingerprint or access code. If you make contactless payments with your smartwatch, use your smartwatch's access code. Make sure that your device's access code is different from your credit card's PIN.

No, that's not possible. In order to keep your payments safe, you need screen lock on your device.

No, only people whose face or fingerprint is saved on your device, or people who know your access code, can use your device to pay with Google Pay.

This is why it's important that your device only recognises your face or only has your fingerprint saved. It's also important that no one else knows your access code.

No, unless someone else has saved their face or fingerprint on your device, or if they know your access code. Can someone else unlock your phone through facial recognition or their fingerprint? Remove this person’s details in your settings, so that only you can pay with your device.

Make sure you also keep your access code secret and use different codes for your credit card and device. This way, you will make sure that only you can pay through Google Pay.

Your smartphone or smartwatch is your payment method when paying via Google Pay. The same safety measures apply for your device as for your physical credit card. If your device is lost or stolen, take the same measures as you would for your physical credit card to prevent fraud.

File a police report immediately, even if you are abroad. Call us to block your digital credit card on +31 (0) 20 – 6 600 611. If securing your details remotely isn't possible, get in touch with your provider to block your SIM card.

Block Google Pay as soon as possible. You can do that in two ways: via Google Wallet or your Google account.

Removing Google Pay via Google Wallet

1. Open Google Wallet and go to ‘Payment methods’
2. Choose the credit card you want to remove
3. Select ‘Remove’ and confirm your choice

Removing Google Pay via your Google account

1. Go to pay.google.com and log in with your Google account
2. Go to ‘Payment methods’ and choose the credit card you want to remove
3. Select ‘Remove’ and confirm your choice

Having trouble blocking Google Pay? Call us as soon as possible on +31 (0) 20 – 6 600 611.

Yes, you can still do that. You don't need your physical credit card to pay with Google Pay. Is your credit card blocked because of fraud? Then you cannot use Google Pay.

You need a Google account to activate Google Pay.

There are also a number of personal details that we have to share with Google so that you can activate Google Pay. We share the following details with Google:

• Your name
• Your address details
• Your phone number

Google compares these details with the contact details that you use for your Google account. This is how we prevent fraud. We only share these personal details with Google once you have accepted Google Pay's conditions.

Google is responsible for the use of your details after you have activated Google Pay, and Google's privacy statement applies. Read more about how Google handles your privacy. You can always change your Google Pay privacy preferences.

Google only has access to the payments that you make with Google Pay. Google's privacy statement applies in this case. Read more about how Google handles your privacy. You can always change your Google Pay privacy preferences.

Want to know what Google does with your transaction data? Read all about it on Google's website.

No, we don't have access to your Google account. We only make it possible for you to pay with your ICS Mastercard Gold via Google Pay.