Garmin Pay™ - Cembra Money Bank

Mobile payments on the cutting edge

Garmin Pay™, the mobile payment solution, lets you handle your purchases very easily without a wallet, or a smartphone and in the blink of an eye – wherever contactless payment by Near Field Communication (NFC) is possible. All you need is your Garmin vívoactive 3 smartwatch and a credit card from Cembra Money Bank:


Payment with Garmin Pay™ is not only easy, it is also secure: Your data is encrypted and not saved or shared.

Setting up Garmin Pay™

To set up Garmin Pay™, all you need to do is download the Garmin Connect Mobile App to your smartphone and follow the instructions on the vívoactive 3 smartwatch page to add your credit card from Cembra Money Bank. This also includes the creation of a four-digit identification code.

Details on setting up Garmin Pay™ wallet

Paying with Garmin Pay™

  1. Press and hold down the button on your vívoactive 3 smartwatch in order to open the main menu.
  2. Tap the vívoactive 3 credit card icon and enter the four-digit code if you are prompted to do so.
  3. Select the desired credit card and move the front of your smartwatch close to the card reader. Once the transaction has been completed, your smartwatch will vibrate and show a check mark.

Details on paying with the Garmin vívoactive 3 smartwatch

This is how you use Garmin Pay™ with vívoactive 3

Frequently asked questions about Garmin Pay™

What are the advantages of Garmin Pay™?

What do I need in order to use Garmin Pay™?

How do I set up Garmin Pay™?

Where can I pay with Garmin Pay™?

How do I pay with Garmin Pay™?

What does it cost to use Garmin Pay™?

Which credit cards work with Garmin Pay™?

Can I use Garmin Pay™ if I am an additional cardholder?

Can I use Garmin Pay™ internationally?

Is paying with Garmin Pay™ secure?

Do I need a smartphone to use Garmin Pay™?

Do I need to be connected to the internet to use Garmin Pay™?

Can I view my transactions?

Is there a transaction limit?

Can I link multiple credit cards to the Garmin Pay™ app?

Can I delete a credit card from the Garmin Pay™ app?

I have lost my Garmin vívoactive 3 smartwatch. What do I need to do?

I have lost my credit card. What do I need to do?




You still don't have a credit card from Cembra Money Bank?

Find out about credit cards