Tap. Pay. Done. Android PayTM has arrived. You can now use your Android phone to make contactless payments wherever you see the contactless payment or Android Pay symbols.

Download the app

Simply download the app to your android phone

Add your card

Add your KBC debit and credit cards

Tap to pay!

Use Android pay anywhere you see the contactless payment sign

  • Quick: Simply hold your Android phone near the contactless reader. It will beep and/or vibrate to show that your payment has been made
  • Handy: If you forgot your wallet, you can still pay for things using your phone
  • Secure: A virtual account number is used to represent your card information so it isn’t stored on your device or shared with Google or the retailer. You may need your phone passcode to authorise payments, making it a secure way to pay.
  • Devices: You can use Android Pay on any compatible device running Android 4.4 or higher and have the Android Pay app downloaded.

How to add your card

  • Download the Android Pay app from the Google Play Store.
  • Open Android Pay and tap the + sign.
  • You'll be prompted to set up a device lock, if you don't already have one.
  • Add your KBC card information by following the instructions on screen


You can use Android Pay on any compatible device running Android 4.4 or higher. You can set it up on up to 8 devices.

Where will it work?

You can pay with your Android phone wherever you see the contactless or Android Pay symbols.
You can also use the service for in-app payments. Certain retailers and merchants will let you pay with Android Pay if you are using their app (not their website). Look out for the "Buy with Android Pay" or Android Pay symbols. 

For transactions over €30*, unlock your device and hold it to the Contactless payment terminal until you see the checkmark. Your phone will beep and/or vibrate to confirm the payment.

How do I track my spend?

Touch the relevant card in the app to view your last 10 transactions. You can also see them in your current account transactions within your KBC online or mobile banking.

What if I lose my phone?

If you lose your phone there’s no need to cancel your debit or credit card/s as the details aren’t stored in the phone. However you will need to cancel your digital cards using Android Device Manager or by calling us on 1800 804 471.

What if I lose my card?

If your card is lost or stolen or a replacement is required for any reason, you can simply phone our 24 hour helpline on 1800 936 287 or 353 1 634 79 63.

Your physical card will be deactivated and you will not be able to use Android Pay with this card. When we issue you a new card, it will need to be registered with Android Pay again.

Who do I call if I need help?

Call our dedicated Android Pay helpline on 1800 804 471.

Terms and Conditions


1. Terms and Conditions
1.1 These Terms and Conditions govern your use of a Digital Card in Android Pay.  They are in addition to and are not in substitution of the Account Terms and Conditions and KBC Terms and Conditions for Online and Mobile Account Access.
1.2 You should carefully read these Terms and Conditions before registering a Digital Card with Android Pay. You will be required to accept these terms and conditions in order to register a Digital Card on Android Pay.
1.3 A copy of these Terms and Conditions are available at any time from our website www.kbc.ie
1.4 In the event of any conflict between these Terms and Conditions and the Account Terms and Conditions, the Account Terms and Conditions shall prevail unless expressly stated to the contrary. In the event of any conflict between these Terms and Conditions and the KBC Terms and Conditions for Online and Mobile Account Access, these Terms and Conditions shall take precedence.
1.5 These Terms and Conditions g overn your access to and use of your Digital Card only as between KBC and you. Google Ireland Limited, your wireless carrier, and other third party services or websites incorporated in the Android Payment Services may have their own terms and conditions (including the Android Pay Terms) and privacy policies (“Third Party Agreements”) and you are also subject to those Third Party Agreements when you give them your personal information, use their services or visit their respective websites. It is your responsibility to ensure you agree with these Third Party Agreements before activating or using a Digital Card through Android Pay.

2. Definitions and Interpretation
2.1 In these Terms and Conditions:
Account Terms and Conditions mean the terms and conditions applicable to the account in connection with which the Digital Card has been issued.
Android Pay means the Android Payment Services.
Android Pay Terms means the Google Software Licence Agreement and Android Pay Supplemental Terms and Conditions entered into between you and Google.
Card Account means the applicable KBC current account or KBC credit card agreement relating to your debit card or credit card.
Contactless payment means a payment where the Digital Card is tapped onto a contactless reader.
Digital Card means an Eligible Card that you have selected and registered to use with Android Pay.
Eligible Card means a physical KBC Credit MasterCard or KBC Debit MasterCard.
Enabled Devices means a payment supported Android Device.
Google Ireland Limited (Google) means a company incorporated in Ireland with Company Registration Number 368047, having its registered office at Barrow St. Dublin, Ireland, which is a subsidiary of the organisation that have manufactured the operating system in the device on which you are agreeing to enable Android Pay.
In-app means the ability to make a purchase within a mobile application with merchants who provide payment services via Android Pay in their apps.
KBC Privacy Policy means the privacy policy that KBC has established to safeguard your personal information when using your Digital Card. This is separate from and in addition to the KBC Data Protection Statement and any applicable Third Party Agreement privacy policies, including those of Google. You can find these at, www.kbc.ie/privacy
Personal Security Details means your Android Pay passcode, pattern, PIN and touch identification.
Push Notification means the communication message capability on your Enabled Device.
Security Materials means Android User ID, Android passwords, pattern, PIN, biometric data (including Touch ID) and any other means that you may from time to time have to access Android Pay.
Supported Android Devices means an Android device that supports Android Pay.
Third Party Agreements means Google, your wireless carrier and any other third party services or websites incorporated into Android Pay, which have their own terms and conditions (including Android Pay Terms) and privacy policies.
Touch ID means a fingerprint recognition feature used to authenticate Android Pay activities such as transactions and can be set up or amended using the Enabled Device pass code.
Virtual Representation(s) means an electronic replica of an Eligible Card held on an Enabled Device.
Wireless Carrier means the customers’ service provider which provides their mobile phone connection to the mobile network for the Enabled Device to operate.
2.2 In these Terms and Conditions, unless the context otherwise requires, a reference to:
2.2.1 clauses and schedules are to clauses of, and schedules to these Terms and Conditions, and the words “hereunder”, “hereof” , “hereto” and words with similar meaning shall be deemed to be references to these Terms and Conditions as a whole and not to any particular recital, clause or schedule of these Terms and Conditions;
2.2.2 the singular include the plural and references to the plural include the singular; and references to the male include the female and references to the female include the male; and references to the neuter singular gender throughout these Terms and Conditions shall include all genders and the plural;

2.2.3 any statute or statutory provision shall be construed as a reference to the same as it may have been, or may from time to time be, amended, modified or re-enacted and shall include references to any provisions of which they are re-enacting (whether with or without modification);
2.2.4 any other document referred to in these Terms and Conditions is a reference to that other document as amended, varied, novated or supplemented or replaced (other than in breach of the provisions of these Terms and Conditions) from time to time; and
2.2.5 any party include its successors and permitted assigns.
2.3 Unless the context otherwise requires or it is expressly otherwise defined herein, terms used in the Account Terms and Conditions shall have the same meaning when used herein.
2.4 Headings and titles are for convenience only and do not affect the interpretation or construction of these Terms and Conditions.
2.5 In these Terms and Conditions, we may use examples to illustrate or explain something covered by a clause however the clause and the meaning thereof is not limited to those examples.

3. Information about Android Pay
3.1.1 Android Pay is a service provided by Google whereby you can create a Visual Representation of an Eligible Card on your Android device which enables you to carry out contactless transactions, In-app purchases or other electronic payments.
3.1.2 The access, use and maintenance of your Digital Card are dependent on the Android Pay service and the network of your Wireless carrier. We do not operate Android Pay or the networks used and have no control over their operation, functionality or reliability.  Google may at its discretion at any time make changes to Android Pay or any part of it (including the functionality and features that are made available to you). In addition Google may at its discretion discontinue to operate or make Android Pay available.   We shall not be liable or responsible to you or any third party for any loss, damage, costs or expenses arising from any changes made to Android Pay by Google or the discontinuation of Android Pay by Google.
3.1.3 We shall not be responsible or liable for any malfunction, fault, suspension, breakdown, interruption, operational or technical problem with any system or service (including without limitation Android Pay and the networks used by your Wireless carrier) used to process transactions using your Digital Card.
3.1.4 You acknowledge and agree that Android Pay features and functionality of your Digital Card maybe changed, automatically updated or upgraded from time to time without further reference to you.

4. Registering your Digital Card
4.1 You may only register and use an Eligible Card as a Digital Card where the Eligible Card is in your name and is valid. You cannot use an Eligible Card as a Digital Card if the Eligible Card  has been blocked, suspended or cancelled.
4.2 To register and use a KBC Debit Card as an Eligible Card you must be over the age of 17. In respect of KBC Credit Cards if you are an Additional Cardholder under the age 18 you must have the consent of the Principal Cardholder in order to register and use the Eligible Card as a Digital Card. By registering and using the Eligible Card as a Digital Card you are confirming that you have received this consent.
4.3 In order to register your Eligible Card as a Digital Card you will need to input your personal details, Card Account information and Eligible Card details into Android Pay on your Enabled Device. These details can be entered manually or by taking a photograph of your Eligible Card when prompted within the app.
4.4 When you register the Eligible Card as a Digital Card you will be asked to accept and agree to these Terms and Conditions.
4.5 We may permit an Eligible Card to be registered as a Digital Card to a number of Enabled Devices. We may also permit Eligible Cards of different KBC account holders to be registered to the one Enabled Device. Although we may permit the Eligible Cards of different KBC account holders to be registered to the one Enabled Device, we would warn you against sharing your Personal Security Details with anyone.
4.6 When you register and use your Digital Card, you consent and agree to receive service related messages, notices and communications in connection with the Android Pay service from us to your Enabled Device. These may be sent by way of text message, email (to the address we hold on file for the Eligible Card) or through the message functionality of Android Pay.
4.7 Equipment required
4.7.1 You must only use the Digital Card on an Enabled Device which has Android Pay. Your are responsible for ensuring that you have an Enabled Device in order to use your Digital Card through Android Pay. You should contact Google if you have any queries or questions about the supported Android Devices, the Android Pay Service or the minimum software and/or hardware requirements.
4.7.2 We do not offer any support or assistance and are not responsible or liable for any third party device, hardware, software or other product or service including without limitation Android Pay and your Enabled Device. If you require support you should contact the appropriate third party provider for assistance and in particular if you have any queries in relation to Android Pay (other than the use of your Digital Card) these should be directed to Google.
4.8 Before you register for Android Pay you must check that only your fingerprints are registered to your enabled device for Touch ID as any fingerprints registered to your Enabled Device will be considered authorised to make transactions relating to your Card Account.  If the fingerprint of another person is used to unlock or make transactions on your Enabled Device these will be assumed to be authorised by you.
4.9 On the expiry date of an Eligible Card, your Digital Card will automatically be updated with the details of the new Eligible Card which has been issued to you as a replacement for the expired Eligible Card

5. Using your Digital Card on Android Pay
5.1 Making Payments
5.1.1 You may use your Digital Card to make the following type of payments:
(i) contactless payments where you will authorise payments by placing your Enabled Device by the merchants contactless enabled point of sale terminal.
(ii) In-app or other online retail payments by selecting the Android Pay option and selecting your Digital Card from your Wallet.
5.1.2 The use of your Digital Card to make payments is dependent on the merchant or retailer with whom you are carrying out the transaction having the required technology to facilitate payment using Android Pay.
5.1.3 Any payment you make using your Digital Card will be processed and deducted from your Card Account in the same manner as all other payments from the Card Account and the Account Terms and Conditions apply to all payments made using your Digital Card. If you authorise a payment using your Digital Card the payment is irrevocable but the retailer or merchant may agree to refund you.
5.1.4 Additional Cardholders 
In respect of a Digital Card which is a Credit Card, the Principal Cardholder is liable for any payments and transactions made using the Digital Card by an Additional Cardholder.
5.1.5 Joint Account holders 
In respect of a Digital Card which is a Debit Card where the Card Account is a joint account, the Joint Account holders are jointly and severally liable for all payments and transactions authorised using the Digital Card.
5.1.6 The use of your Digital Card to make a payment shall be taken as conclusive evidence that you authorised the payment. We accept no responsibility or liability for any loss, damage, or expense you may incur as a result of you authorising or being deemed to have authorised a payment using your Digital Card.

5.2 Viewing Information
You can use Android Pay to view information in relation to the payments that have been made using your Digital Card. You will be able to view the last ten transactions made with the Digital Card. The information available on Android Pay will not include the balance on your Card Account or any other transactions you have carried out on the Card Account. To review all transactions on your Card Account you should access the KBC online or mobile banking service.
5.3 We reserve the right at any time without further notice to you to expand, limit, amend or suspend the type and/or amounts of transactions that are permitted using the Digital Card or amend the registration process or eligibility criteria for a Digital Card. These changes will not affect the features or functionality of your Card Account changes to which will only be made in accordance with the Account Terms and Conditions.

6. Security
6.1 Your are required to take all reasonable steps and to exercise due care to ensure the security, safety and confidentiality of your Enabled Device, the Digital Card including without limitation your Personal Security Details. Failure to take such reasonable steps and or exercise due care will be considered gross negligence.
6.2 You must not disclose or Personal Security Details whether directly or indirectly to any other person or note them in any form that would be intelligible or otherwise make them accessible to any other person including asking your Enabled Device to remember any of your Personal Security Details. You should make your security details for your Digital Card different to those you use to operate the Card Account and do not keep your Eligible Card with your Enabled Device. You should change your Personal Security Details regularly.
6.3 If at any time you lose your Enabled Device, your Eligible Card or suspect or have reasonable reason to believe that your Digital Card, your Personal Security Details have been compromised, lost, stolen, copied or misappropriated or are being used in an unauthorised manner you must contact us immediately by telephone at 1 800 939 244. If you suspect or have reason to believe that your Personal Security Details have been compromised, lost, stolen, copied or misappropriated or are being used in an unauthorised manner you must immediately change your Personal Security Details and check that only your fingerprints are authorised for Touch ID.
6.4 You hereby agree to provide all necessary information and assistance and to co-operate fully with all investigations carried out in connection with the loss, theft or misappropriation of your Digital Card, or Personal Security Details including those carried out by us internally and those carried out by the Garda Siochana or other third party investigative authority. Where you are victim of fraud we may require you to report it to An Garda Siochana and you hereby authorise us to inform and disclose all relevant information in connection with the loss, theft or misappropriation of your Digital Card, and or Personal Security Details to any appropriate third party.
6.5 Android Pay and your Enabled Device may use certain security features and procedures to protect against unauthorised use of any of your Digital Cards. These features and procedures are the sole responsibility of Google and / or the manufacturer of your Enable Device and you agree not to disable any of these security features and to use these security features and procedures to safeguard all your Digital Cards.
6.6 If you get a new Enabled Device you must delete all Digital Cards and any personal information from your old Enabled Device. You can do this by contacting us at 1800 939 244.

7. Privacy and Data Protection
7.1 When creating your Digital Card, we collect certain information from Google to verify your identity and for anti-fraud purposes. This information will be held by us for so long as required to fulfil this purpose and no longer than twelve (12) months.
7.2 With regard to other information we collect, you authorise us to use and share your information in accordance with these Terms and Conditions, the KBC Bank Ireland Personal Banking Terms and Conditions, and KBC Bank Ireland Privacy Policy, copies of which are available at www.kbc.ie.
7.3 We may disclose aggregated or anonymised information relating to your card transactions for the purposes of assisting Google to improve and develop its technology, including Android Pay. We will not share any personal data in relation to you or your individual transactions with Google
7.4 We are not responsible for Android Pay Services or any third party provider to Google and therefore, any information that is collected by Google while you use a Digital Card or Android Pay, is subject to the Android Pay Terms and Third Party Agreements and is not governed by our Privacy Policy, these terms and conditions or the Card Account Terms and Conditions.
7.5 When using your Digital Card we may send you push notifications to inform you of your account activity, please turn off these push notifications using the settings on your Enabled Device if you do not wish to receive them. 
7.6 You are advised that information transmitted electronically over the internet or a wireless network using your Enabled Device may not be secure, remain confidential or be delivered correctly. It may also be corrupted and is liable to interference from third parties. While we have taken reasonable and appropriate security precautions, we cannot guarantee the privacy or confidentiality of the information passing by such methods and are not accountable, liable or responsible for the confidentiality, accuracy or reliability of messages sent or received by email over the internet in connection with the Digital Card.
7.7 You acknowledge that the acceptance of the terms and conditions shall be sufficient consent for the purposes of the Data Protection Acts 1998 and 2003 ('DPA').

8. Charges
8.1 There is currently no cost for using your Digital Card however we retain the discretion to charge for the use of your Digital Card in the future.
8.2 If you carry out transactions on your Card Account using your Digital Card, the usual transaction charges as set out in our Fees and Charges Booklet are applicable and will be charged in accordance with the Account Terms and Conditions. 
8.3 You should note that all third party charges incurred by you in connection with using the Digital Card such as mobile, SMS, wireless and data charges are at your cost and we have no liability or responsibility to you in respect of these.

9. Indemnity and Limitation of liability
9.1 You agree to be bound by these Terms and Conditions as may be amended from time to time and to indemnify KBCI in connection with any loss, or damage arising or occasioned by your breach or that of a third party of these Terms and Conditions.
9.2 KBC Bank Ireland PIc, to the fullest extent permitted by law, is not accountable for and does not accept any liability or responsibility for any loss, damage (including without limitation, incidental, punitive, exemplary, special or consequential damages, loss of profit or damages resulting from lost date or business interruption) or expense resulting from:
(a) using the Digital Card whether with or without authorisation;
(b) the performance, functionality, non-performance, unavailability, inaccessibility, or corruption of the Digital Card and/or Android Pay;
(c) communicating with us or transmitting instructions to us using Android Pay
(d) any fraudulent or unauthorised transaction on the Card Account being made using the Digital Card provided that the fraudulent or unauthorised transaction has been authenticated with your Personal Security Details; and
(e) the use of Touch ID functionality to access or carry out transactions using the Digital Card.

10. Suspension, Cancellation and Termination
10.1 In addition to any rights of termination, cancellation, suspension and closing of your Card Account that we have under the Account Terms and Conditions we may immediately cancel, suspend, restrict, block or terminate any Digital Card if:
10.1.1 your Card Account is closed;
10.1.2 you commit a breach of these Terms and Conditions, the Account Terms and Conditions, the Android Pay Terms and/or any Third Party Agreements;
10.1.3 you use or if we suspect that the Digital Card is being used for any unlawful, fraudulent or other inappropriate purpose;
10.1.4 we must do so to comply with any law, regulation or direction from a relevant competent authority or court;
10.1.5 for any reason these Terms and Conditions become unenforceable or void; 
10.1.6 Google discontinues, stops supporting or terminates Android Pay; or
10.1.7 it becomes unlawful for you to continue to have the Digital Card.
10.2 We are required to carry out a variety of actions to manage and reduce the possibility of financial crime, this may lead to the delay, blocking or refusing the making or clearing of any payment or the processing of a transaction using your Digital Card.  To the extent permissible by law, we nor any member of the KBC Group shall be liable to you or any third party in respect of any loss (howsoever it arose) that was suffered or incurred by you or a third party, caused in whole or in part in connection with the undertaking of such activity. 
10.3 In addition to the above we may cancel your Digital Card and/or stop supporting the Digital Card through Android Pay and/or discontinue participating in Android Pay at any time for any reason by providing you with two months prior notice.
10.4 You may discontinue using your Digital Card and remove it from Android Pay at any time by following the instructions in Android Pay however you authorise us to process and you will remain liable for all outstanding transactions on your Digital Card at the time you cancel the Digital Card.
10.5 Please note that Google reserve the right to block, suspend, cancel or terminate your Digital Card without reference to us. We shall not be liable or responsible to you or any third party for any loss, damage, costs or expenses arising therefrom.

11. Miscellaneous
11.1 Amendments and Variations
(i) We reserve the right to amend these Terms and Conditions from time to time for such reasons as we deem reasonable and necessary. In particular we may amend these Terms and Conditions due to changes in functionality of the Digital Cards or Android Pay, in legislation or regulation applicable to us or the operation of the Card Account and/or there is a change in technology and/or banking practice generally or as otherwise considered by us as reasonably necessary.
(ii) We will give you at least two months’ notice of such amendments or variations unless otherwise permitted by law. Unless we are required by law to use a particular medium, notice will usually be provided via email, our website or we may place an advertisement in at least 2 daily national newspapers outlining the changes.
(iii) If you do not accept the amendment or variation to these terms and conditions, you will have the option to remove any of your Digital Cards from Android Pay. If you continue to use your Digital Card after the end of the notice period referred to in 11.1 (ii) above you will be deemed to have accepted the amendments or variations to these terms and conditions.

11.2 Notices 
(i) Letters to KBCI can be posted to or delivered by hand and should be addressed to KBC Customer Services, KBC Bank Ireland plc., PO Box 12421, Sandwith Street, Dublin 2.
(ii) Any notices, demands or statements sent to you shall, if sent by prepaid ordinary post be deemed given to you 48 hours after it was sent to your last known address or if given by hand, when delivered and if given by telefax or facsimile, when transmission is completed and confirmation receipt is received.
(iii) Any notice required to be served by you in connection with this agreement can be served by sending such notice by prepaid ordinary post to KBC Bank Ireland plc, Sandwith Street, Dublin 2, addressed to the Head of Retail Banking and shall be deemed given by you to us 48 hours after posting.
11.3 Force Majeure 
We will not be in breach of our obligations under these Terms and Conditions nor liable to you if we are prevented from or there is a delay in providing any service (including without limitation Android Pay) to you or performing any of our obligations hereunder (including carrying out any transactions using the Digital Card) where such failure or delay arises because of any act of God, fire, act of government or state, war, terrorism, civil commotion, insurrection, embargo, failure of computer or communication system, prevention from or hindrance in obtaining energy or other supplies, labour disputes of whatever nature, late or mistaken payment by an agent or any acts or omissions of our agents or third parties or any other reason beyond our control.
11.4 Assignment
You may not assign or otherwise transfer any of your rights, benefits or obligations under this agreement. We may (without the need for any further consent from or notice to you) assign, transfer, mortgage, novate, charge or otherwise grant interests in or dispose of the whole or any part of our rights, benefits and obligations in connection with this agreement and the Card Account and any reference to us in this agreement shall be deemed to include any assignee, transferee, novatee, mortgagee, chargee, grantee or other disposee and our successors who shall be entitled to enforce and proceed upon and exercise all rights, powers and discretions under this agreement in the same manner as if named herein.
11.5 Waiver
No time or indulgence which we may extend to you nor any waiver by us of any condition of the Terms and Conditions shall affect our rights and powers thereunder or affect our ability to enforce that term or condition at any time in the future.
11.6 Severability
Each of the clauses, sections and sub-sections of the Terms and Conditions is severable and distinct from the others. If at any time such clause, sections or sub-sections is or becomes invalid, illegal or unenforceable, this will not affect the validity, enforceability and legality of any of the other clauses, sections and sub-sections of these Terms and Conditions.
11.7 Entire Agreement
You acknowledge that the registration and use of the Digital Card is made on the basis of these Terms and Conditions and is subject to these Terms and Conditions together with Account Terms and Conditions and our Fees and Charges Booklet and that you have not relied on any representations or other information (whether oral or written) other than as set out herein.
11.8 Governing Law and Jurisdiction
(i) The laws of Ireland apply as the basis for establishing relations with you prior to entering into any agreement with you.
(ii) You agree that the use of the Digital Card and these Terms and Conditions (including any amendments made thereto) shall be governed by and construed in accordance with the laws of Ireland and that the courts of Ireland shall have exclusive jurisdiction to resolve any disputes arising out of or in connection therewith.