Habib Bank AG Zurich Habib Bank AG Zurich  


HBZ Card - Garmin Pay No cash? No problem. With Garmin Pay™ contactless payment solution, you can leave your wallet or even your smartphone at home, and make purchases using only your smart watch. Available almost anywhere you can tap your card your Garmin Pay wallet is quick to access from the watch menu with just a few quick taps.

Garmin Pay is a contactless payment solution designed for people who are always on the move. Whether you grab a cup of coffee after your morning run or get a bite to eat while out on a ride, Garmin Pay lets you make purchases quickly and almost effortlessly with nothing needed but your watch. No wallet? No phone? No problem.

Garmin Pay can now be used at select major transit systems around the world. Make your daily commute just a little bit smoother by simply tapping to pay per ride with your watch. No transit card, phone or wallet is necessary.

With just a few quick touches, Garmin Pay is easily accessible from your compatible Garmin watch. Enter your Pass Code, select the right credit card from your virtual wallet, and then hold your wrist near the card reader — that’s it. No need to fumble for your phone, cards or cash.

Garmin takes the security of your payment information seriously. That’s why Garmin Pay protects you by using watch-specific card numbers and transaction codes every time you make a purchase. And your card number is not stored on your device, on our servers or passed to merchants when you pay. So you pay with confidence.

Keep an eye out for participating stores, and check the list of compatible banks and credit cards. More will be added over time.


Garmin Pay offers greater experience and benefits.

  • Enables fast, easy & secure payments.
  • Offers high level of security.
  • Accepted worldwide using contactless payment terminals worldwide.
  • Allow you to change the card to be used for purchases at the checkout.
  • Allow you to temporarily block or delete a card at any time.
  • Is compatible with your smartphone

Here’s what you need to use Garmin Pay:

  • Garmin Pay supported device.
  • Garmin Connect Mobile App.
  • Valid HBZ Debit/Credit Card.
  • Store that enables contactless payments – look for the contactless symbol.

Note: Garmin devices that are compatible with Garmin Pay includes Vivoactive 3 & Vivoactive 3 Music, Forerunner 645 & Forrunner 645 Music, Finex 5S Plus, Finex 5 Plus, Fenix 5X Plus, D2 Delta S, D2 Delta and D2 Delta PX.

Follow these steps to setup the device to support Garmin Pay:

  • Execute Garmin Connect Mobile app on your smartphone.
  • Select your Garmin Smartwatch.
  • Select the Device Image.
  • Select Garmin Pay.
  • Select Create Your Wallet:
    - Set a Passcode to keep the wallet on your smartwatch secure.
    - Add HBZ Debit/Credit Card details.
    - Read and accept Terms & Conditions.
    - Enter the Authentication Code sent by SMS to your mobile number registered with the Bank.

Note: Up to 10 Cards can be added the wallet. Just tap to select “Garmin Pay” followed by “Manage Your Wallet” to manage your cards.


Make payments through Garmin Pay is quite easy. Follow these steps to execute payment:

  • Awake your device using device action buttons or touch screen on your smart watch.
  • Select Wallet icon.
  • Enter 4-digit Passcode.
  • Move your smart watch close the contactless terminal.
  • Wait for the watch to vibrate/beep.
  • Watch for the Green Tick Mark on the screen, confirming the successful payment.


  1. What is Garmin Pay?
    Garmin Pay is a contactless payment solution designed for people who are always on the move. Whether you grab a cup of coffee after your morning run or get a bite to eat while out on a ride, Garmin Pay lets you make purchases quickly and almost effortlessly with nothing needed but your watch.
  2. How do I know if my card is supported?
    You can find out if your card is supported from within the Garmin Connect Mobile app.
    1) Click the “Check to see if Garmin Pay supports your payment card” link on the “create your wallet” page.
    2) Choose your country.
    3) Choose your card type.
    You’ll see a list of issuing banks. You can also view a list of supported cards at If your card is supported but you are unable to add it to your wallet, contact your bank or card issuer for help.
  3. How do I add cards?
    1) Enter card details—You can either manually enter your card info or use your device camera to scan in partial details and then manually enter the rest.
    2) Accept terms and conditions—If your card is supported, you’ll be asked to read and accept the terms and conditions from the issuer.
    3) Verify your identity— Once you accept the terms and conditions, you may be presented with a one-time identity verification requirement. You’ll be sent a passcode via email, SMS, web, or a customer service call that you’ll need to enter in your app. Once entered, your issuing bank will activate your card. Keep in mind, it may take up to 10 minutes before your card appears in your wallet.
  4. I can’t add cards
    Before you do anything else, make sure that;
    - you’re using a supported card from a participating issuer.
    - make sure the phone is connected to your Garmin device.
    - you update your software, if needed.
    Remove the card from Garmin Pay, then add it again.
    If you are having trouble verifying your card, make sure you’re entering all the required information correctly.
    If you still can’t add a card, contact your bank or card issuer for help.
  5. My device won’t work at the store terminal?
    Hold your device closer to the terminal to be sure your NFC antenna can make a connection. Tapping/touching your watch face to the terminal is also acceptable. Give it a little time. Sometimes it takes a few seconds for the terminal to connect. Hold your device over the terminal for a few seconds longer.
    If you just added your card, wait 5-10 minutes. Each time you add a new card, it needs to be activated by the payment card network and the card issuer. Activation can take 5–10 minutes, and during that time, transactions won’t go through. Make sure the store accepts contactless payments and that their terminal is functioning properly.
    Note: If none of these solutions work, contact Garmin for help.
  6. I’m locked out of my wallet.
    If you enter your passcode incorrectly 3 times, you’ll be locked out of your wallet on the device and asked to set another passcode. However, you will have 3 additional attempts to from the app on your phone. You’ll need to remember your original passcode in order to set the new one.
  7. I’m getting an error when making a payment at the store
    If your device acts like the transaction worked (e.g. the “success checkmark” appears on the watch face), ask the cashier for help. Garmin Pay sent the payment info, but the merchant’s terminal had a problem accepting it. You may need to try again, or it may be that the merchant’s terminal is not functioning properly or not setup to receive contactless payments.
    If the merchant’s terminal asks for chip & PIN card it means that the merchant requires the card for all chip & PIN purchases. You’ll need to use your physical card.
    If the terminal asks to present only one card, you should try again with your device’s NFC antenna closer to the terminal.
    If your transactions still won’t go through or your card is declined, you’ll need to contact your bank for help.
  8. What if my watch is lost or stolen?
    If your watch is lost or stolen you can still suspend or delete your wallet from Garmin Connect Mobile (GCM) on your phone. These options are available on the Garmin Pay main menu and can be selected without the watch being connected. Reference “Suspending or Deleting Your Garmin Pay Wallet” for instructions.
    The suspend wallet option deactivates all cards in your wallet at the issuing bank and the delete wallet option deletes all cards in your wallet at the issuing bank.
  9. Can I see my transaction history within Garmin Pay?
    The ability to see past transactions, if permitted by your bank, will be visible from within the Garmin Pay wallet. No transaction information will be visible on the watch.

8:00am - 3:00pm
7:30am - 12:30pm
Click to learn more about submitting your complaints.

View All

Habib Bank AG Zurich is not affiliated with Habib Bank Limited (HBL)


>> TOP << >> TOP <<
Habib Bank AG Zurich is licensed and regulated by the Central Bank of the UAE and the Securities and Commodities Authority, UAE.
Copyright © Habib Bank AG Zurich.
Data Privacy Notice Cookies Notice Security Advisory Terms & Conditions