About these terms.

This document contains the terms that apply when you use Google Pay in relation to a card issued by us.

In this document, “us” or “we” means Westpac New Zealand Limited NZBN 9429034324622 and “you” means the person who adds their card to the Google Wallet™ app. “Your” has a similar meaning.

When we use the term ‘Google’ in these terms and conditions, we mean Google LLC and its related companies and affiliates. When we use the term ‘Google Pay’, we mean the Google Pay service that Google provides.

When we use the term ‘device’ we mean a device (like a mobile phone or watch) linked to a card through the Google Wallet app that can be used to make Google Pay transactions on that card.

The following terms apply when you use Google Pay in relation to a card issued by us:

  • The Google Pay Terms of Service
  • The Conditions of Use for your card
  • The Westpac Privacy Policy.

By adding a Westpac card to the Google Wallet app, you agree to these terms. In addition, you agree to the Westpac One App terms and conditions if you add your card to the Google Wallet app via the Westpac One app.

Copies of these documents are available online or at any of our branches. See the Conditions of Use for your card for more information about:

  • Your card and
  • Transactions made with your card.

If, at any time, we have a ‘Customer Commitment’, the commitments in that ‘Customer Commitment’ don’t apply to the terms in this document.

The Conditions of Use for your card apply to transactions you make using Google Pay.

These terms and conditions are between you and us only. You’ll separately have an agreement with Google that applies when you use Google Pay. You may also have agreements with third party service providers (like your data service provider) that are relevant to your use of Google Pay.

You can use Google Pay in relation to eligible Mastercard® debit or credit cards issued by us.

You’ll also need an eligible Android device. There’s a list of eligible cards and Google Pay compatible Android devices on our website in our Ways to Bank – Google Pay FAQs.

Adding a card.

You’ll need to add your card to the Google Wallet app to use Google Pay. This can be done via the Google Wallet app or the Westpac One app.

If you are an additional cardholder, you can only add a card to the Google Wallet app by following the step-by-step guide in the Google Wallet app and then calling us on +64 9 914 8026 to verify your details.

If you have added more than one card to the Google Wallet app, you will need to choose a default card. Your default card will be used for all in-store purchases with Google Pay. All transactions will be debited from your default card account unless you choose another card.

Removing a card.

You can remove a card from the Google Wallet app by following the process in the “Remove Payment Method” menu in the Google Wallet app or by calling us on 0800 888 111.

You can temporarily suspend the use of a card with Google Pay by calling us on 0800 888 111.

You can still use your card using other payment tools if you’ve removed your card from the Google Wallet app or have temporarily suspended the use of your card with Google Pay.

Using Google Pay for purchases.

Once you’ve added a card to the Google Wallet app, you can use Google Pay to make a Google Pay Payment (where applicable).

A “Google Pay Payment” means:

  • A contactless transaction where you hold your device to a contactless terminal until the transaction is complete
  • Online transactions including merchants’ mobile sites, mobile applications and website, by selecting Google Pay as your payment method
  • Any other payments allowed by Google.

A “Google Pay Payment” also includes refunds processed using Google Pay.

Cards in the Google Wallet app may not be accepted in all of the same places that your physical card is accepted. Because of this you should always have other ways to pay – like with your physical card.

Contactless transactions.

You may be required to enter your PIN into the contactless terminal if the transaction is over the maximum limit.

Your PIN is the same as your PIN for the physical card.

For New Zealand transactions, the maximum transaction limits can be found at westpac.co.nz. Different limits apply overseas. We don’t have any control over overseas limits. We recommend that you always check that the contactless terminal has accepted your Google Pay payment.

If we believe we have reasonable grounds for doing so, we can suspend, modify, block, restrict, terminate or withdraw your ability to use a card issued by us with Google Pay. We can do this at any time, and without letting you know if we reasonably believe we need to do so to protect our legitimate business interests or where we suspect unauthorised or fraudulent transactions have occurred or been attempted.

We’ll give you notice if your card stops being eligible for use with Google Pay.

Disputed or unauthorised transactions.

See the Conditions of Use for your card for what you need to do if you dispute a transaction or believe a transaction was unauthorised.


Any fees or charges that apply to the use of your card will also apply when you use your card through Google Pay.

See the Conditions of Use for your card for the fees and charges that apply to the use of your card.

We won’t charge you any additional fees for adding a card to the Google Wallet app or using Google Pay.

There may be fees or charges from third parties in relation to using Google Pay.

For example:

  • Your mobile service provider may charge you for using mobile data
  • You may be charged a fee in-store for using contactless technology.

You are responsible and liable for these fees or charges.


It’s important to keep your devices safe to prevent loss, theft and unauthorised or fraudulent use. You’ll need to comply with all requirements in the Conditions of Use for your card that relate to keeping your PINs and payment instruments safe.

You should also:

  • Lock any device when you’re not using it
  • Not leave any device unattended
  • Not let anyone else use your device when Google Pay is enabled
  • Make sure your device is running the latest software. When we say ‘payment instrument’ above, we mean any device with a card issued by us added to the Google Wallet app.

Anyone who can unlock your device might be able to use it to complete a transaction using Google Pay.

You should have a passcode set up on your device. If you think someone might know your passcode, you must change it as soon as you can.

If you’ve enabled biometric ID login on your device (for example using your fingerprints or facial recognition), anyone else who has biometric information stored on the device might be able to make a Google Pay Payment.

Because of this, if you want to use biometric ID to make Google Pay Payments, make sure that the only biometric information stored on your device is your own.

We don’t have any ability to control whose biometric information is being used by a device to make a Google Pay Payment.

You are responsible for ensuring that you remove any cards from the Google Wallet app if you sell, upgrade, or dispose of a device.

Uninstalling the Google Wallet app won’t disable Google Pay or your cards. See the ‘Adding/removing cards’ section for more information on how to remove your cards from the Google Wallet app.

All the rules about protecting your card and PIN also apply to your devices and Google Pay Payments.

This means you must contact us on 0800 888 111 as soon as you know or suspect that:

  • Any of your devices have been lost or stolen
  • Someone else has accessed or can access any of your devices that are registered for biometric identification login
  • Your passcode has been used without your permission or someone else knows it
  • Any card has been used unlawfully, fraudulently or in breach of its Conditions of Use (through Google Pay or any other way).

Our liability to you.

Google Pay, the Google Wallet app and your device are not our products or services. We are not responsible or liable for how these products work. This includes if you are unable to use Google Pay, if Google Pay Payments aren’t accepted by third party merchants, or if the level of service is limited in some way. If you have questions about Google Pay, you’ll need to contact the Google customer service team.

We are also not responsible for any information provided to you in the Google Wallet app – including information about transactions you’ve made.

If there are any differences in information provided in the Google Wallet app and in your transaction statements provided by us – the information in your transaction statements will prevail.

We’re not responsible to you for paying any loss, cost or expense incurred by you because of any disruption or interference to any property or service as a result of your use of Google Pay or the Google Wallet app, unless the disruption or interference is caused by our fraud, negligence or wilful misconduct.

When you complete a transaction using Google Pay, you are responsible for the transaction in the same way as you would be for any other transaction completed using your card. By completing a transaction you are instructing us to charge your account. See the Conditions of Use for your card for more information.

Your liability.

You agree that you’re liable for all reasonably foreseeable losses that we suffer that are a direct result of your negligence, misuse of Google Pay, or failure to comply with these terms and conditions.


We have a clear Privacy Policy that explains how we keep your information safe. The Privacy Policy is not part of these terms. You can read more about how we collect, store, use and share your personal information at westpac.co.nz/privacy or ask at any branch.

When adding your card(s) to the Google Wallet app and using your card to make transactions through Google Pay, you agree that we will provide to Google your name as it appears on your card as well as your card details, phone number, address details and transactional information, as applicable. All information sent is for the purpose of adding your card to the Google Wallet app and for facilitating Google Pay Payments.

In addition, in relation to the use of your card to make transactions with Google Pay, you agree that:

  • Google can provide us with certain information including your Android device and Google Wallet app details, personal details and location
  • We can provide Google with certain information to allow Google and its service providers to operate Google Pay, to detect and address fraud, to improve and promote Google Pay and to comply with applicable laws and respond to regulatory or government inquiries. Google may store this information outside New Zealand.

Please review Google’s privacy policy carefully. We are not responsible for any loss, injury or other harm you suffer in connection with Google’s use of your personal information.

Read more about the Google Pay Privacy Policy at support.google.com/googlepay/ answer/9039712?hl=en.

If you don’t agree to any of your personal information being disclosed or used in this way you shouldn’t add any card(s) issued by us to the Google Wallet app.

When we can make changes to these terms and conditions.

This section sets out when and how we can make changes to these terms.

We can make changes:

  • If we reasonably think you’ll benefit from the change
  • For security reasons (including to protect against financial crime)
  • To fix a mistake or make minor administrative changes
  • To reflect changes to systems or the way we work
  • That are not specific to you but apply generally to certain services or customers. For example to improve our services or reflect changes to current industry or market practice or conditions
  • To transfer or withdraw any services we no longer wish to offer
  • That are needed to meet our sustainability commitments
  • That are reasonably necessary for our legitimate business purposes
  • We consider reasonably necessary due to reasons outside our control, such as:
    • Changes required by laws, regulations, regulators or any court order or dispute process
    • Changes driven by suppliers or third parties.

Letting you know about changes.

We’ll generally give you at least 30 days’ notice of any changes or the withdrawal or transfer of any services.

However, there are some cases where we may give you:

  • Less than 30 days’ notice
  • Notice after the change takes effect
  • No notice if it’s reasonable to do so.

For example, we may not give you 30 days’ notice if:

  • The change, withdrawal or transfer is out of our control
  • The change is made only to your terms if we reasonably believe the change is favourable to you
  • Specific laws apply that set out that we may (or must) give you a different time frame.

We can give you notice about changes by:

  • Direct communication to you, for example by letter or email
  • A message on our online services
  • Displaying information in our branches
  • Notice on our website, or
  • Notice in the media, including a public notice.

If you’re not happy with any changes to these terms and conditions, you’ll need to stop using Google Pay for cards issued by us and remove any cards from the Google wallet app.


If, for any reason, any part of these terms and conditions isn’t binding on you, we can still ask you to do all of the other things you’ve agreed to do in these terms.

There may be some occasions where you or we do not enforce one of the rights outlined in these terms and conditions. This does not mean that anyone has given up that right, unless the relevant party has specifically agreed to give up that right in writing.

Even when specifically agreed to in writing, that agreement only applies to that specific situation.

If there is a conflict between these terms and conditions and any other Westpac terms and conditions that apply, and the conflict relates to your use of Google Pay or the Google Wallet app, these terms and conditions prevail.

These terms and conditions are governed by New Zealand law.

Contact us.

These Terms are between you and Westpac only (and not your operating service provider) our contact details are:

Westpac New Zealand Limited
Westpac on Takutai Square
16 Takutai Square
Auckland 1010
New Zealand


Call us on 0800 888 111 (7am to 11pm 7 days a week) or +64 9 914 8026 from overseas (international charges apply).