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Garmin Pay


Keep in mind

Your card details are never stored on the phone. It’s a safe and secure way to pay for purchases.
How to add an ADCB Card on Garmin Pay

  • Download the Garmin Connect app.
  • Select Garmin Pay from the More tab and select Create Your Wallet.
  • Create a 4 digit passcode to authorize transactions from your Wallet.
  • Select the card scheme (Visa / Mastercard). 
  • Enter Card details and accept ADCB Term and Conditions.
  • Select verification method to activate your card on Garmin Pay.
  • Enter OTP sent by ADCB to activate card on Garmin Pay. Never share your OTP with anyone.

How to make payments with Garmin Pay

  • Open the Controls menu on the device / watch and select the Wallet icon.
  • Enter the 4 digit wallet passcode.
  • The default card image will pop-up on the device. A different card can be selected by swiping up or down.
  • Hold the wrist near the payment terminal with the watch face directed towards the terminal, within 60 seconds.
  • A green tick mark will appear when the transaction is successful.
  • If the passcode is incorrectly entered three times, the wallet locks, and the passcode must be reset through the Garmin Connect app.
  • While wearing the watch, payments can be made for the rest of the day without entering the passcode again. 
  • If heart rate monitoring is disabled or the watch is removed from the wrist, or 24 hours has elapsed, the passcode will have to be entered again before making a payment.

How to remove an ADCB Card on Garmin Pay.

  • Open the Garmin Connect app.
  • Tap on the More menu and then tap on Settings.
  • Tap on Garmin Pay and then tap on Manage Your Wallet.
  • Tap on the card which is to be removed and tap OK to confirm

Frequently Asked Questions

The Garmin Pay feature allows you to use your watch to pay for purchases at stores and locations that support contactless payments using your ADCB Credit or Debit cards.

Garmin Pay uses contactless payment Near Field Communication (NFC) technology to facilitate point-of-sale payments using compatible Garmin watches.

All ADCB Credit and Debit Cards can be used on Gamin Pay.

You can set your ADCB Card as the default payment card through the Garmin Connect app by selecting Garmin Pay from the More page.

You can add up to 10 cards on your Gamin Pay wallet.

The same card can be added to multiple unique devices.

No, all transactions on a blocked card will be declined.

If your Garmin device is lost or stolen, you can suspend or delete the card through the Garmin Connect app.

For further information on Garmin Pay, please visit

Other ways to apply

Contact centre

Contact centre

Call our 24-hour contact centre on 600 50 2030.

Apply through SMS

Apply through SMS

SMS 'MYCC' to 2626 from your registered mobile number.

Visit us

Visit us

We will be happy to welcome you at any of our branches. Find the closest branch to you