How to add a PrivatBank card to Google Pay and Apple Pay

Paying with your phone or watch is fast and secure: no need to take out plastic, and your card details are not shared with the shop. You can add a PrivatBank card to both Apple Pay and Google Pay in about a minute. Below is a detailed guide for both systems, payment tips and fixes for common issues.

Why paying by phone is secure

When you add a card to Apple Pay or Google Pay, the real card number is not stored on the phone and is not shared with the merchant. Instead a unique encrypted code (token) is used, and every payment is confirmed with Face ID, a fingerprint or a passcode. So paying by phone is often safer than using a physical card.

How to add to Apple Pay (iPhone)

There are two ways — via the Wallet app or directly from Privat24.

Via the Wallet app

1. Open the Wallet app on your iPhone and tap "+" in the top corner.
2. Choose "Debit or Credit Card".
3. Scan the card with the camera or enter its details manually.
4. Confirm the card with the code the bank sends (SMS or a push in Privat24).
5. Done — the card appears in Wallet and is ready for payments.

Via Privat24

1. Open the card in the Privat24 app.
2. Tap "Add to Apple Pay" (if available).
3. Confirm — the card immediately appears in Wallet.

Screenshot: adding a PrivatBank card to Apple Pay via Wallet

How to add to Google Pay (Android)

1. Install and open the Google Wallet (or Google Pay) app.
2. Tap "Add to Wallet" → "Payment card".
3. Scan the card or enter the number, expiry and CVV manually.
4. Accept the terms and confirm the card with the bank's code.
5. The card is added — you can pay by phone in shops and apps.

You can also add the card directly from Privat24 with the "Add to Google Pay" button if it's available on your device.

Screenshot: adding a card to Google Wallet

How to pay by phone

• in a shop: unlock your phone and hold it to the contactless terminal — the payment is confirmed with Face ID, a fingerprint or a code;
• online and in apps: on the payment screen choose Apple Pay or Google Pay instead of entering card details;
• in transport: in cities with contactless payment, just hold the phone to the validator.

If the card won't add

Most common reasons and what to do:

• the confirmation code doesn't arrive — check that your phone number is up to date at the bank and look for a push in Privat24;
• "card not supported" — make sure the card is active and not blocked; virtual cards are usually supported too;
• add error — update Wallet/Google Wallet and the OS to the latest version;
• device region — check that the correct region is set in your phone settings;
• if nothing helps — call the hotline 3700.

Security

• protect your phone with a passcode and biometrics — without them a payment can't go through;
• if the phone is lost, the card can be removed remotely (via iCloud Find My or Google Find My Device) and blocked in Privat24;
• never share card-adding confirmation codes with anyone.

FAQ

Can I add one card to several devices?

Yes, the same card can be added to an iPhone, an Apple Watch or several Android devices — each will have its own token.

Is there a fee for paying by phone?

No, paying via Apple Pay or Google Pay adds no fee — your card's usual tariffs apply.

Does phone payment work without internet?

In a shop, contactless payment usually works even without active internet on the phone; online purchases need internet.

Can I pay with a watch?

Yes, once the card is added to an Apple Watch or a Wear OS watch, you can pay without even taking out your phone.

App interfaces and steps may change — see current details in Privat24, Wallet/Google Wallet or on the bank's website. Hotline — 3700.