Garmin Pay

Pay simply, quickly and securely

Pay quickly and conveniently

anywhere in the world

Increased security

thanks to tokenization

Zero costs

when enrolling and using your card

With Garmin Pay from OTP Bank you can pay faster and easier using your Visa cards, directly from your Garmin smartwatch.

It's simple!
Download the Garmin Connect™ Mobile app, add your OTP Bank Visa card, and you're ready to pay at your favorite stores without having to take your wallet or phone out of your pocket.

Advantages of Garmin Pay

Pay faster than with a card or cash.

Your data is encrypted and protected.

No need to search for your wallet or take out your card.

You can pay in shops, restaurants, gas stations and even ATMs.

Garmin Pay™ service is available for a wide range of Garmin smartwatches including the fēnix, Forerunner and Vívoactive models and compatible with Android and Apple phones ensuring the payment experience is at your fingertips wherever you go.

How to connect and use Garmin Pay:

  1. Download the Garmin Connect™ Mobile app on your compatible phone (available in Google Play and App Store).
  2. Create a user account in the app and select your compatible Garmin watch.
  3. Set a four-digit password.
  4. Add your OTP Bank VISA card to the Garmin Connect app.
  5. The enrolled card will be confirmed by the one-time password (OTP) sent via SMS to the phone number attached to the card account.

- To pay, open the wallet app on your watch and bring it near the contactless terminal.
- The password will be requested every 24 hours or when you put the watch back on your wrist.
- You can also use Garmin Pay to withdraw cash from contactless-enabled ATMs.

Start paying simpler today!

Frequently Asked Questions

What are the transaction limits for Garmin Pay?

The limits for Garmin Pay are the same as the physical card.

What payments do I see in Garmin Pay?

In Garmin Pay you can only see payments made with your Garmin watch. All payments can be seen in OTP Mobile Banking or in your bank statement.

Does the Garmin watch need to be connected to my phone or the internet for payments to work?

You can pay with Garmin Pay even if there is no connection to your phone or the internet.

Where can I pay with Garmin Pay?

At any merchant with contactless POS anywhere in the world.

Is it necessary to enter my card PIN code when paying with the watch?

No card PIN is required when using Garmin Pay. Payment authorization is done using the password chosen for Garmin Pay.

Is there a fee or charge for payments made with Garmin Pay?

The Garmin Connect app can be downloaded for free from Google Play or the App Store. You can also use the app for free.
There are no additional fees or charges for payments with Garmin Pay.

How do I change/change the default card in Garmin Pay?

Directly from Garmin Connect, choose the card you want to set as your default/default card.

What do I do if I have trouble enrolling my card in Garmin Pay?

For details and support in completing the card enrollment process contact the Call Center at +37322256456

What to do if your Card / Watch is lost / stolen

If your watch has been lost or stolen, suspend or delete the tokens registered to your watch from the Garmin Connect app on your phone.

If you also lost your phone, call the Call Center: +373 22 256 456 to block payments with OTP Bank cards enrolled in Garmin Pay.

If the card enrolled in Garmin Pay has been stolen or lost, block the card by calling the Call Center. These actions will stop that card from working for Garmin Pay payments.

Garmin Pay can still be used to pay with other enrolled cards.