Best Google Pay Banks in Europe
Google Pay is a digital wallet that transforms your smartphone into a secure, contactless payment tool, much like carrying an invisible purse full of encrypted treasures. Every tap on the payment terminal sends a burst of encrypted data that ensures your card details stay safely hidden while your purchase goes through. It simplifies everyday transactions – whether you’re buying a quick snack or shopping online – by turning each payment into a secure and streamlined digital connection. Essentially, Google Pay turns routine financial exchanges into small, yet powerful, acts of modern magic that embrace both convenience and security.
The Top List of Google Pay Banks
bunq Google Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 1 |
bunq Easy Bank Pro XL
(Netherlands 🇳🇱 / EU 🇪🇺)
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92
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Go To Site |
Pros
- Google Pay and Apple Pay ready
- Supports 15+ currencies with real FX rates
- Eco-friendly banking – trees planted per €100 spent
- Multiple virtual/physical cards included
- Up to 3.71% interest on your savings
Cons
- Relatively high monthly fee (€17.99)
- Some features require user learning curve
- Metal card replacement comes with a fee
About bunq Easy Bank Pro XL
bunq is a forward-thinking Dutch digital bank known for its green mission and powerful multi-currency features. The Easy Bank Pro XL plan includes up to 25 sub-accounts, international IBANs, and advanced budgeting tools. Users can earn up to 3.71% APY on savings, manage cards from the app, and use Google Pay and Apple Pay across supported countries. The inclusion of both Visa and Mastercard options makes spending worldwide smooth. bunq’s eco-feature plants trees with your spending, making your financial life both smarter and greener. It’s an ideal fit for travelers, freelancers, and digital nomads who value control, automation, and transparency.
Atlantic Money Google Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 2 |
Atlantic Money
(UK 🇬🇧 / Belgium 🇧🇪)
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88
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Go To Site |
Pros
- Flat €3 fee – extremely low for high-volume transfers
- Mid-market exchange rate (no hidden markup)
- Regulated in both the EU and UK
- No account required to receive funds
- App supports Google Pay onboarding
Cons
- Only supports outbound transfers – not a full bank
- Limited to 9 currency corridors
- No debit card or account for everyday use
About Atlantic Money
Atlantic Money is a rapidly growing fintech based in London and Brussels, offering ultra-low-cost international transfers. Unlike traditional neobanks, Atlantic focuses on one thing – sending money abroad cheaply and reliably. With a flat €3 fee and no markup on FX, it’s a game changer for anyone transferring large amounts in EUR, GBP, or USD. It supports nine key currencies, including PLN, SEK, NOK, and HUF. The app is intuitive, secure, and FCA + NBB licensed. Although it doesn’t offer debit cards or personal accounts, it’s a powerful tool for freelancers, expats, or digital nomads who regularly move funds between countries. A true Wise/Revolut disruptor for 2025.
Vivid Money Google Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 3 |
Vivid Money
(Germany 🇩🇪)
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89
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Go To Site |
Pros
- Up to 25% cashback with smart categories
- German IBAN with EU-wide access
- Supports Google Pay & Apple Pay
- Free FX in 100+ currencies with Premium
- Stock and crypto investing built in
Cons
- Cashback tiers require referrals or subscriptions
- Some features locked behind premium plans
- Support response can be slow during peak times
About Vivid Money
Vivid Money is a German neobank designed for modern, mobile-first users who want to combine everyday banking with investment tools. With up to 2.58% APY on savings and generous cashback offers, it rewards active usage. You get a German IBAN, a sleek Visa card, and access to up to 15 “Pockets” for managing multiple currencies or goals. Google Pay support ensures fast, contactless spending, and the in-app tools for investing in stocks and crypto make it a one-stop solution for personal finance. Vivid has grown rapidly in the EU and is considered a strong alternative to N26 and bunq for digital-savvy users.
Monese Google Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 4 |
Monese
(UK 🇬🇧)
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87
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Go To Site |
Pros
- No UK address or credit check needed
- IBANs in both GBP and EUR
- Fast setup in under 5 minutes
- Good for freelancers, expats & digital nomads
- Offers credit builder tools (UK residents)
Cons
- Premium plans needed for full features
- Limited interest on savings
- No physical branches or in-person service
About Monese
Monese is a digital bank born in the UK, but built for a truly borderless audience. Designed especially for expats, freelancers, and new arrivals in Europe, Monese lets you open an account without requiring a UK address or credit history. The onboarding process is lightning fast, often completed in minutes, and users can access both GBP and EUR IBANs. Monese supports Google Pay and Apple Pay and offers extra services like bill splitting, budgeting tools, and cashback rewards with select merchants. While premium accounts unlock more features, even the free tier is a solid choice for those needing quick, no-fuss banking with multilingual support across Europe.
Curve Google Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 5 |
Curve
(UK 🇬🇧)
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85
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Go To Site |
Pros
- Consolidates multiple cards into one
- Supports Google Pay and Apple Pay seamlessly
- “Go Back in Time” lets you switch payment method retroactively
- Useful travel perks and insurance benefits
- Widely accepted Mastercard worldwide
Cons
- Premium plans required for some advanced features
- Cashback offers limited to select retailers
- Not a full bank, only a payment card service
About Curve
Curve is a UK-based fintech innovator that offers a unique card aggregation service, combining all your debit and credit cards into a single Mastercard. It supports Google Pay and Apple Pay for seamless mobile payments. Curve’s signature feature, “Go Back in Time,” allows users to switch the card used for a transaction after the purchase has been made, giving unprecedented control over spending. Ideal for travelers and multi-card users, Curve offers travel insurance, purchase protection, and instant notifications on spending. With a free tier and premium plans, Curve has gained a loyal following across Europe for simplifying payments and maximizing card benefits.
Starling Bank Google Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 6 |
Starling Bank
(UK 🇬🇧)
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92
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Go To Site |
Pros
- Free UK current account with no monthly fees
- Seamless Google Pay & Apple Pay support
- Excellent budgeting and savings tools
- FCA regulated with FSCS deposit protection
- Instant spending notifications and card controls
Cons
- Limited availability outside the UK
- No cash deposits at branches (digital-only)
- International fees apply for some foreign transactions
About Starling Bank
Starling Bank is one of the UK’s top digital challenger banks, offering a free personal current account with a Mastercard debit card that supports Google Pay for instant, secure mobile payments. Designed for modern banking needs, Starling provides real-time notifications, budgeting tools, and multiple savings pots. Fully regulated by the FCA and protected by the FSCS, Starling Bank combines convenience with safety. Its app-first approach and no monthly fees have won it numerous awards and millions of users in the UK. Though primarily UK-focused, it’s highly regarded for seamless everyday banking and smart financial management.
Zopa Bank Google Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 7 |
Zopa Bank
(UK 🇬🇧)
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89
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Go To Site |
Pros
- Integrated savings and current accounts
- Supports Google Pay and Apple Pay
- Competitive interest rates on savings
- FCA regulated with strong customer protections
- Helpful financial management tools in app
Cons
- Limited physical branch access (digital-first)
- UK-focused, limited international account features
- No crypto or investment products
About Zopa Bank
Zopa Bank is a pioneering UK fintech originally known for peer-to-peer lending, now offering full banking services with an emphasis on savings and responsible lending. Their current account comes with a contactless Visa debit card fully compatible with Google Pay for fast, secure payments. Zopa is FCA regulated and FSCS protected, offering competitive savings rates and a user-friendly app that helps customers budget and manage their money smarter. It blends digital convenience with trustworthy banking, focusing on UK customers looking for an easy and efficient banking experience.
Bankera Google Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 8 |
Bankera
(Lithuania 🇱🇹)
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87
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Go To Site |
Pros
- Multi-currency accounts with IBAN
- Supports Google Pay for seamless payments
- Crypto-friendly banking options
- Competitive fees and no hidden charges
- Strong regulatory compliance in EU
Cons
- Limited physical branch presence
- Basic app features compared to bigger fintechs
- Less known outside of Lithuania and Baltics
About Bankera
Bankera is a Lithuania-based digital bank offering business and personal banking services focused on multi-currency accounts and crypto integration. Its Visa debit card works seamlessly with Google Pay, enabling fast and secure contactless payments. Licensed and regulated in the EU, Bankera provides easy online account opening with a mobile app to manage budgets, transfers, and payments. While it has a strong niche in crypto-friendly banking and business accounts, it’s gradually expanding its user base beyond the Baltics with competitive fees and reliable service.
Lunar Google Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 9 |
Lunar
(Denmark 🇩🇰)
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89
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Go To Site |
Pros
- Seamless Google Pay and Mastercard integration
- User-friendly mobile app with smart budgeting
- Free accounts with no hidden fees
- Fast, digital onboarding process
- Strong presence in the Nordics
Cons
- Limited availability outside Nordic countries
- Some advanced features require paid plans
- Physical branch network is minimal
About Lunar
Lunar is a leading Danish fintech offering both personal and business bank accounts with a focus on convenience and technology. Their Mastercard debit cards work flawlessly with Google Pay, enabling smooth contactless payments across Europe. The Lunar app features smart budgeting tools, savings goals, and real-time notifications, empowering users to manage their finances effectively. While their core market is the Nordics, Lunar is expanding fast and attracts users seeking modern, fee-free banking with excellent digital support.
Sofi Bank Google Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 10 |
Sofi Bank (Europe)
(US 🇺🇸 / EU 🇪🇺)
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88
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Go To Site |
Pros
- Seamless Google Pay support with Visa & Mastercard
- Integrated loans and investing options
- Modern, intuitive mobile app
- US fintech innovation meets EU banking standards
- Fee-free accounts with no hidden charges
Cons
- Still expanding full EU banking license coverage
- Investment products may carry risk
- Not all US features available in Europe yet
About Sofi Bank (Europe)
Sofi Bank is a fast-growing US fintech giant that recently expanded into Europe, offering a full suite of banking, investing, and loan products under one digital roof. Their European accounts come with fee-free checking and savings, backed by Visa and Mastercard debit cards that support contactless and Google Pay payments. Sofi’s app is packed with powerful tools for budgeting, financial education, and portfolio management, making it ideal for users looking for a modern financial ecosystem. Though still scaling their European operations, Sofi blends US innovation with European banking standards for a unique cross-continental experience.
Main Features of Google Pay
| Feature | Description |
|---|---|
| Robust Security | Employs advanced encryption and tokenization methods to shield your financial data. |
| Contactless Convenience | Leverages NFC technology to let you make payments with a simple tap, blending speed and simplicity. |
| Universal Compatibility | Works seamlessly across multiple Android devices, providing a consistent payment experience. |
| Integrated Digital Wallet | Stores your cards, rewards, and loyalty programs in one secure hub for effortless access. |
FAQ: Top Banks Supporting Google Pay
A range of well-established banks – from both traditional institutions like Santander, BBVA, and ING to digital-first players like Revolut, N26, and bunq – support Google Pay. This ensures that users across Europe can link their cards and enjoy secure, contactless transactions wherever they go.
You can confirm support by visiting your bank’s website or simply trying to add your card in the Google Pay app. If your bank is supported, the app will guide you through a smooth and straightforward setup process.
Google Pay uses advanced security measures like tokenization, robust encryption, and biometric authentication, ensuring your actual card details are never shared during transactions. This layered security approach helps protect your financial data from fraud and unauthorized access.
Digital banks such as Revolut and N26 often offer a more streamlined, mobile-friendly experience, integrating Google Pay with minimal hassle. Traditional banks are modernizing their systems too, but digital-first institutions typically lead in user interface design and instant notifications.
Emerging trends include deeper integration of mobile ecosystems, enhanced NFC technology, and evolving open banking regulations that could further boost Google Pay adoption. These advancements promise even smoother interoperability and innovative payment solutions for customers across Europe.