Garmin Pay set up and enrolment instructions

With Garmin Pay you can add your eligible NAB Visa cards to a Garmin device to make contactless purchases.

To set up Garmin Pay you’ll need:

  • your Garmin device
  • a compatible smartphone
  • the Garmin app
  • an eligible NAB Visa card
  • internet connection.

Note: You need to have a data connection in order to set up Garmin Pay on your smartphone, but you don’t need one to use Garmin Pay for purchases.

Go to Garmin Pay’s website for full set-up and enrolment instructions.

Garmin Pay set up instructions, opens in new window

Eligible NAB cards

All NAB Visa personal and business credit and debit cards (except NAB Business Payments Card) are eligible to use with Garmin Pay.

Additional cardholders

Additional (secondary) cardholders of eligible personal NAB Visa card products may also register to their card with Garmin Pay, before or after the primary cardholder.

All business credit and debit cardholders can enrol their card with Garmin Pay.

You can enrol more than one eligible NAB Visa card with Garmin Pay. Only one card can be the default on a Garmin device at one point in time. The card that you have selected to be default within Garmin Pay, will be used when you do a transaction using a contactless terminal.

Verifying your identity

To complete your enrolment, you’ll need to verify you’re the authorised cardholder. You won’t be able to use Garmin Pay until the verification is complete.

If you don’t verify the enrolled card/s within 90 days, this enrolment will expire and you’ll need to re-enrol.

You may be given these options to verify your identity:

  • Enter a temporary passcode into the Garmin app that you receive to your registered mobile. Go to the My details menu in NAB Internet Banking to make sure we have the correct mobile number.
  • Call us on our general enquiry numbers for personal customers and business customers.

Problems enrolling your card?

If you get an error message asking you to contact your bank or the card issuer when enrolling your card, check the following:

  • Do you have a current version of the Garmin app, opens in new window?
  • Do you have an eligible NAB Visa card?
  • Is your card blocked due to fraud, non-payments or because you reported it lost or stolen?

If you’re still having problems, call our general enquiry numbers for personal customers and business customers.

Changing enrolled NAB Visa cards

If you change your NAB Visa card product, your Garmin Pay service will be impacted. You’ll need to set up the new eligible NAB Visa card with Garmin Pay. You should remove any unused cards from your wallet after you set up the new card product.

Closing an enrolled NAB Visa card

If you close a credit or debit account which has a NAB Visa card enrolled in Garmin Pay, that enrolled card will be deactivated in Garmin Pay, including cards enrolled by any other cardholders.

As it's no longer active, you can remove the card from the Garmin app on your paired smartphone. For further assistance, please check Garmin Pay FAQs, opens in new window.

The details of enrolled cards due to expire will be automatically updated in Garmin Pay so you can continue to use Garmin Pay without any disruption.

Removing your enrolled NAB Visa card

You can remove or delete a card from the Garmin Pay service by using the Garmin app on your paired smartphone. The Garmin Pay FAQs, opens in new window explain how to remove or delete cards.

As a primary cardholder, facility or business owner, you'll only be able to remove an additional cardholder’s access to Garmin Pay by removing the cardholder from the account altogether. 

Call our general enquiry number for personal customers and business customers for help to remove an additional cardholder.

Viewing receipts and transactions

When you enrol for Garmin Pay your device is allocated a virtual card number. For added security, this is used for contactless purchases instead of your physical card number.

The last four digits of the digital card number will appear on receipts for Garmin Pay purchases. This allows you to identify which virtual card number belongs to which device if you have more than one device registered for Garmin Pay.

There will be no changes to how transactions will appear on NAB Internet Banking, NAB Connect, NAB app or customer statements.

You can view the last three transactions using the Garmin app on your paired smartphone. This will show you the merchant name, date and amount.

You cannot see any transaction details on your Garmin device other than a success message when the payment is completed.

For personal cards, a primary cardholder can view all your additional (secondary) cardholder's transaction. You can check the last four digits of the card number displayed beneath each transaction on your cardholder statements, NAB Internet Banking or the NAB app.

For business cards, the facility or business owner can view all cardholder transactions via NAB Internet Banking, NAB Connect or the NAB app.

Reversing or disputing transactions

The process is the same as any other NAB Visa card transaction refund or reversal. First speak to the merchant, as each merchant's return policy will vary.

How to dispute a transaction.

Fraudulent transactions

Your Garmin device is protected with a 4-digit device code. This needs to be entered daily to enable your device before you can start making transactions.

If you suspect fraud on your account, please call us immediately. Read more about how we protect your accounts.

If you’re giving your device to someone else, you’ll need to factory reset it to erase apps and all personal data from the device. You may be liable for transactions not made by you if you shared your Garmin device.

For more information, see Garmin Pay’s FAQs, opens in new window.

Securing your Garmin Pay device

No one can use your Garmin device to make purchases without your daily 4-digit device code. Your banking details aren’t stored on your device so they are safe.

You can still use your physical NAB Visa card to make purchases without your Garmin device, if it’s lost or stolen. You will need to use your card’s PIN to make purchases of $100 or more.

If you lose your Garmin device, you can remove or suspend the NAB Visa card from the Garmin app on your paired smartphone.

If you remove the card, you’ll need to re-enrol it. When you suspend your card, it remains stored in Garmin Pay, but you can’t use it to make purchases with your device until you un-suspend it. If you lose your paired smartphone as well, you can log into your dashboard to remove your card.

Other cardholders won’t be affected if you remove your Garmin Pay service.

See Garmin Pay’s FAQs, opens in new window for more information.

Lost and stolen cards

If your card is lost or stolen, you can block your card immediately in the NAB app, NAB Internet Banking or by calling us on 1800 033 103 (within Australia) or +61 3 8641 9121 (from overseas), 24 hours, 7 days a week - toll free.

When your card is blocked, you won't be able to use it for Garmin Pay. But as soon as your new card is ready, your details will be automatically updated to Garmin Pay, there’s no need to re-enrol your card again.

Important information

Garmin Pay in app terms

 Important things to know before adding NAB cards. Dated 21 May 2019

The terms and conditions that apply to your card, card details and contactless readers, and Garmin’s terms and conditions, will also apply to the use of your card details through Garmin Pay wallet.

Keep your Garmin device and Garmin device code secure. Never store your Garmin device code on or with the Garmin device. Don’t share your Garmin device and/or code with anyone. Choose a Garmin device code that’s easy for you to remember and hard for others to guess. Don’t use the same code as you do for your other banking or anything obvious like your date of birth. Not keeping your Garmin device and code secure may mean you’re liable for unauthorised transactions. If you think the security of your Garmin device code or device has been compromised, call us.

Device lost or stolen

If your Garmin device is lost or stolen, refer to Garmin support , opens in new windowfor how you can suspend or remove card(s) in your Garmin app or call us immediately. Suspending or removing your card from the Garmin app will still allow you to keep using your physical card.


We use your information in accordance with the NAB privacy policy.

Garmin share information with us for fraud and identification purposes. See Garmin’s privacy policy, opens in new window.

Other information

Credit card terms and conditions

Learn more about how your NAB cards are protected against fraud.