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Supported digital wallets

Smartwatch payments

Your watch could be your wallet.

  • Convenient - pay for your purchases with one wrist motion.
  • Safe - carry your wallet in your watch and you will always have it under your eyes.
  • Quick and easy to use - lets you make purchases quickly and effortlessly with nothing else but your watch needed.

Contactless payment solution designed for people who are always on the go.

You can pay with watch all over the world wherever you see the contactless payment symbol contactless and Mastercard cards are supported. Just beep with your Garmin, Fitbit or Xiaomi smartwatch.

Standard card purchase limits apply to paying with Garmin, Fitbit and Xiaomi Pay.

Find devices with the Garmin Pay function here.

Find devices with the Fitbit Pay function here.

Find devices with the Xiaomi Pay function here.

Use Swedbank business Mastercard contactless debit card and credit cards.

Garmin Pay, Fitbit Pay and Xiaomi Pay are entirely secure as the services meet Mastercard security requirements. Garmin, Fitbit and Xiaomi use card industry-standard tokenization to keep every transaction private.

Digitized copy of the real card cannot be used outside of that device, no real card credentials are stored on phone or device.

Also, all payment providers require you to use a PIN code for an added layer of protection.

Purchases, just like all card purchases, are covered by your bank’s protection against fraud, so you can shop stress-free.

You are free to decide at any moment to stop using the service by deleting the Wallet option in Garmin Connect mobile app or remove the card from Garmin Connect mobile app, Fitbit app or Xiaomi app.

What is needed to start using Garmin Pay service?

  1. Garmin smartwatch supporting contactless payment functionality.
  2. Swedbank Mastercard cards with contactless functionality switched ON.
  3. Being a user of private customer Swedbank Internet Bank and Swedbank mobile app.
  4. „Garmin Connect” mobile app installed and synchronized with your watch, and Swedbank Mastercard contactless card registered in the Garmin app’s wallet section.

How to add a card to the service?

  1. Download the „Garmin Connect” mobile app on your phone.
  2. Open the app, go to “Garmin Devices”, choose your smartwatch and select “Add Device”.
  3. Accept Garmin Pay’s Terms of Use.
  4. In the app, select Garmin Pay and then select "Create Your Wallet".
  5. Create a 4-digit password.
  6. Select the card type Mastercard.
  7. Add the card by entering the required card details, such as card number, expiration date and CVV code.
  8. Accept Swedbank’s Terms of Use.
  9. Get a one-time verification code via Internet Bank (the code will be sent in to your Internet Bank user account, look for the bell notification).
  10. Enter the verification code in the „Garmin Connect” app.

Ready to use!

How to open the wallet on a device:

  1. Press and hold the action button to bring up the control menu.
  2. Tap the wallet icon.
  3. Enter the 4-digit password.

The wallet is ready for use.

How to pay with the watch?

  1. Press and hold the action button or menu on the watch, and tap the wallet icon.
  2. Select the card you want to pay with (if you have more than one payment card added in Garmin Wallet, the last used card will be set as default. To change it, swipe it down to the next card.
  3. Hold the watch over the card reader in store. It’s paid!

To open a wallet on your watch, the 4-digit password you created during the wallet setup process will be required once per 24 hours or each time you put the watch back on your wrist or turn the heart rate monitoring back on after it has been switched off.

If you fail to pay at the POS terminal:

  • Check if the terminal supports contactless payments.
  • Make sure you have activated NFC functionality on your device.
  • Ensure that the terminal detects proximity of the device, i.e. contactless indication lights switch on. Hold the device against the terminal in a different way, place the device against the terminal to ensure the NFC antenna can make a connection.
  • Check the reason of the failure on the POS terminal.

What is needed to start using Fitbit Pay service?

  1. Fitbit watch supporting contactless payment functionality.
  2. Swedbank Mastercard cards with contactless functionality switched ON.
  3. Card holder as a private person must be a user of Swedbank Internet Bank and Swedbank mobile app.
  4. Fitbit” mobile app installed and synchronized with your watch and Swedbank Mastercard contactless card registered in the Fitbit app’s wallet section.

How to add a card to the service?

  1. Download the „Fitbit” mobile app on your phone.
  2. Open the app, tap on icon in the right corner, search for your smartwatch and click on "Set up a Device".
  3. Accept Fitbit Pay’s Terms of Use.
  4. In the app select “Wallet” icon and click on “Get started”.
  5. Create a 4-digit password.
  6. Add the card by entering the required card details, such as card number, expiration date and CVV code.
  7. Accept Swedbank’s Terms of Use.
  8. Get a one-time verification code via Internet Bank (the code will be sent in to your Internet Bank user account, look for the bell notification).
  9. Enter the verification code in the „Fitbit” app.

Ready to use!

How to open the wallet on a device:

  1. Press and hold the action button to bring up the control menu.
  2. Tap the wallet icon.
  3. Enter the 4-digit password.

The wallet is ready for use.

How to pay with the watch?

  1. Press and hold the action button or menu on the watch, and tap the wallet icon.
  2. Select the card you want to pay with (if you have more than one payment card added in Fitbit Wallet, the last used card will be set as default. To change it, swipe down to the next card).
  3. Hold the watch over the card reader in store. It’s paid!

To open a wallet on your watch, the 4-digit password you created during the wallet setup process will be required once per 24 hours or each time you put the watch back on your wrist or turn the heart rate monitoring back on after it has been switched off.

If you fail to pay at the POS terminal:

  • Check if the terminal supports contactless payments.
  • Make sure you have activated NFC functionality on your device.
  • Ensure that the terminal detects proximity of the device, i.e. contactless indication lights switch on. Hold the device against the terminal in a different way, place the device against the terminal to ensure the NFC antenna can make a connection.
  • Check the reason of the failure on the POS terminal.

What is needed to start using Xiaomi service?

  1. A Xiaomi smartwatch supporting contactless payment functionality.
  2. Swedbank Mastercard card with contactless functionality switched on.
  3. Access to private Swedbank Internet Bank.
  4. „Xiaomi Wear Lite” app for iOS users, “Xiaomi Wear” app for Android users, or “Mi Fit” app installed and synchronized with your smartwatch, and Swedbank Mastercard contactless card registered in the Xiaomi Pay app.

How to add a card to the service?

  1. Download the „Xiaomi Wear Lite” app for iOS users, “Xiaomi Wear” app for Android users, or “Mi Fit” app on your phone.
  2. Open the app, create “Xiaomi” account, choose your smartwatch, and pair it with app.
  3. In the app in the section “Profile”, select “Xiaomi Pay” and then add your card to it.
  4. Enter the card details needed.
  5. Accept all the necessary terms and conditions and proceed further.
  6. Get a one-time verification code. NB! “Xiaomi Pay” app will say that the code will be send via an SMS. But be alert – you will receive the code via private Internet Bank under bell notifications.

Ready to use!

How to pay with the smartwatch?

  1. Unlock watch, swipe left, and choose the card you would like to pay with.
  2. Tap on arrow icon. A timer will appear counting down 60 seconds for you to make the payment.
  3. Hold the watch over the card reader. It’s paid!

If you fail to pay at the POS terminal:

  • Check if the terminal supports contactless payments.
  • Ensure that the terminal detects proximity of the watch, i.e. contactless indication lights switch on.
  • Hold the watch against the terminal in a different way, place the watch against the terminal to ensure the NFC antenna can make a connection.

By starting to use Garmin Pay, Fitbit Pay or Xiaomi Pay service with any Swedbank Mastercard payment card, the customer agrees to the following Swedbank service conditions:

documentTerms of Use of Cards

Swedbank does not charge anything extra for card payments using Garmin Pay, Fitbit Pay and Xiaomi Pay.

To find out about Garmin’s charges for Garmin Pay service usage or Fitbit’s charges for Fitbit Pay service usage or Xiaomi´s charges for Xiaomi Pay service usage, please visit their web sites.

  • For more information on Garmin Pay services, please visit here.
  • For more information on Fitbit Pay services, please visit here.
  • For more information on Xiaomi Pay services, please visit here.
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