Garmin Pay

Garmin Pay™

Pay effortlessly with your smartwatch.

Carry your payment card with you on your Garmin smartwatch

Pay for purchases effortlessly with your smartwatch wherever you are. You don't need a card or smartphone to pay.

Pay for even larger purchases quickly without entering your PIN

With Garmin Pay, you can always use contactless payment without a PIN, even for purchases over 50 euros.

Paying with a smartwatch is secure and reliable

Your payment information is protected in each purchase.

How to activate Garmin Pay

  1. Download the Garmin Connect app from your phone's app store. Sync the app with your smartwatch by following the instructions in the app.
  2. In the app menu, open "Garmin Pay" and select "Add card". 
  3. Enter your OP card's information in the app and accept the terms of use.
  4. Confirm the card in OP-mobile using your Mobile key or by calling OP Customer Service and identifying yourself. Please note that the Garmin Connect app must be installed in the same device as OP-mobile for the activation to be successful.

How to use Garmin Pay touch free

You can pay with Garmin Pay around the world in all stores that accept contactless payments with Visa or Mastercard cards.

  1. Open Garmin Pay by holding down your watch's side button.
  2. You will need to enter your smartwatch's passcode if you are paying for the first purchase of the day or after you have put on the watch.
  3. Hold the smartwatch near the payment reader until you see confirmation of the payment in the reader. Your watch will also notify you once the payment is successful.

Add the debit and credit features of a combination card in Garmin Pay

If you have a combination card, you can add both the debit and credit features in Garmin Pay. Depending on the situation, you can choose whether to pay with debit or credit.

You can add one or several OP cards to your smartwatch. All OP cards are compatible with Garmin Pay.

Your card benefits apply with paying with Garmin Pay

For example, as an OP cooperative bank owner-customer, you also get Product Protection Insurance for your purchases if you pay with an OP card that has a credit facility when paying with Garmin Pay. What's more, the credit card company cover for credit purchases under the Consumer Protection Act applies if problems occur with purchases paid for by credit.

If you wish to use K Group's Plussa benefits, before paying, show the payment reader your OP payment card with the Plussa feature, a separate Plussa card, the Plussa barcode found in the K-Ruoka app or the Plussa mobile card app on your phone. Please note that Plussa mobile card is only available for Android phones.

Read more about the Plussa mobile card app

Garmin Pay also works with OP Business Debit

Adding an OP Business Debit card to the app is possible with a personal customer's OP User ID.

Adding the card is impossible with an OP Corporate User ID. If your card has been granted only for making deposits and not for payments, you cannot use mobile wallets with the card.

  • A compatible device. An up-to-date list of devices is found on Garmin's website.

    Go to Garmin's site
  • A valid OP card.
  • An OP User ID and Digital Agreement.
  • You must also be at least 16 years of age.

You must be at least 16 years of age to activate the service. 

If you are aged between 16 and 17 and have been granted an OP User ID and Digital Agreement after 10 December 2020, you can add your card in the mobile payment app and select OP-mobile as the confirmation method. Otherwise, adding a card for an underage customer can be confirmed by calling OP Customer Service at 0100 0500. This requires one of the guardians to identify themselves using their OP user ID.


Garmin Pay is a secure service. Your card details are not stored in the app or your device and are not forwarded to the merchant when you pay. Garmin Pay uses a device-specific number and a transaction-specific code to perform the transaction.  

Only you can pay with your card using Garmin Pay. You confirm the transaction with your device's passcode. The passcode must be entered once every 24 hours if you do not take off the watch. Whenever the watch is taken off, the passcode must be entered before the next payment. Because you won’t need your card's PIN when you pay, no one will be able to see it. You can always be assured that you have your card with you on your device.  

Garmin Pay is an easy-to-use, safe and touch-free payment method. You don't need to touch the buttons of a card reader or handle cash when shopping. You enjoy the same card benefits and protection as when paying with your physical card. Your purchases will be charged from your card in the same way as when you pay with a card. Your transactions will show in the app immediately after you have paid.

If your smartwatch is lost, unauthorised persons won't be able to see your card details or pay with your smartwatch. If you lose your card and deactivate it, you can get a new card that will be available to you immediately on your smartwatch if necessary.

Call OP Deactivation Service at 0100 0555 (24/7) immediately and deactivate the card details added to Garmin Pay. Note that your physical card does not have to be deactivated in this situation, and you can continue to use it.
Call OP Deactivation Service immediately at 0100 0555 (24/7) to deactivate your lost card. You can order a new card during the call. It will show on your Garmin Pay immediately, and you don't need to wait for a new physical card.
You can deactivate a card temporarily or remove the card yourself in the Garmin Connect app under the Garmin Pay section or by calling OP Customer Service at 0100 0500. The card cannot be removed via self-service in OP-mobile.
Garmin and the Garmin logo are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries. Cards are issued by OP Retail Customers plc.