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Keep moving

Grab that post-workout smoothie or groceries on the way home, and simply pay with your Garmin watch. Garmin Pay means you can leave your cash and cards at home and go wherever your active life takes you.

Just tap, pay and be on your way.

Use Garmin Pay anywhere that accepts contactless payments. Simply link your eligible Westpac Mastercard or Visa card to your Garmin watch and you're good to go.


Setting up is a breeze. Simply add your eligible Westpac debit or credit card to your compatible Garmin watch using the Garmin Connect Mobile app.


With just a few quick touches, you can tap and pay with your watch. Garmin Pay works anywhere contactless payments are accepted.


For peace of mind, you’ll see every payment confirmed on your watch screen – plus, your purchases are backed by our Fraud Money Back Guarantee^.

To get started you'll need:

A compatible Garmin Watch

Pair it with the Garmin Connect Mobile app on your iOS™ or Android™ device.



A Westpac Mastercard

Garmin Pay works with a range of eligible debit and credit cards.

Remember: the details entered in the app need to match your card exactly.



A Westpac Protect™ SMS code

You need to be registered for Westpac Protect™ SMS codes. Register now.


Download the Garmin Connect app

Things you should know

^ Westpac Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to your card's terms and conditions for full details, including when a customer will be liable.

Read the Garmin Pay Terms and Conditions (PDF 55KB) before making a decision and consider if it is right for you. Available for eligible cards. To use Garmin Pay you will need to use a compatible device with a supported operating system.

Please be aware, to make a payment of over $200 with Garmin Pay, you must enter your card PIN at the contactless terminal. For security reasons, if you are not prompted for your card PIN, the transaction will not be accepted. This does not change current payments or transaction limits on your physical card.

As at 7 April 2020, the Garmin Pay transaction limit has been temporarily increased from $100 to $200. This is a temporary increase, that is being progressive rolled out, and will be only available on certain cards and payment terminals at certain retailers. Customers are encouraged to follow the prompts at each terminal to determine whether a PIN is required. This increase to the Garmin Pay limit is part of an industry-wide response to help reduce the spread of COVID-19.

Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

Android, Google Play store and Google Play logos are trademarks of Google Inc.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

IOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.

© 2018 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.