Fix issues linking bank accounts

If you have issues when you try to link a bank account with Google Pay, try these steps.

Fix issues linking with Plaid

Important: You can only link a bank account with Plaid in the Google Pay app.

Your financial institution isn't listed 

If you don’t find your bank:

• Tap Search and enter the name of your bank. 
• Check that the name of the bank you entered is an exact match to the bank’s official name.

 If your bank still isn’t listed:

• Plaid isn’t integrated with your financial institution.
• Plaid can’t reliably connect to your financial institution right now. Some financial institutions may not let you connect your accounts to third-party apps.
• You can link your account manually. 

Your bank decides whether they want to integrate with Plaid. You can contact your bank to request that they set up Plaid.

Your connection failed

• The login and password associated with your account may have changed. Verify your account login and password on your financial institution’s website. Then, go back into Google Pay and reconnect your account. 
• Plaid or your financial institution might have technical difficulties. Try again in a few hours. 
• Sometimes a financial institution will make changes that impact your ability to access your financial information. If you encounter a consistent issue, such as a slow or lost connection, reach out to your financial institution to let them know.

Google Pay doesn’t recognize your bank’s credentials

When you link your account to Plaid, use your financial institution’s credentials and not your Google Account credentials.

Your account settings are incompatible

• To link your account through Plaid, update your bank settings.
• If you have your account set up to require a one-time passcode each time you log in, you’ll need to change the settings to only require a one-time passcode for new devices.

Fix issues linking manually

You didn’t receive a test deposit

It usually takes 2-3 business days to receive a test deposit in your bank statement. The time can vary depending on the bank.

If you don’t receive a test deposit after 3 business days, check the account number and routing number you entered. You can also remove your bank account and add it again.

What to do after you receive a test deposit

Important: You have 3 attempts to verify the deposit amount. If you enter an incorrect amount, you’ll get an error message.

After the deposit is in your account, you need to verify the bank deposit amount.

Verify in the Google Pay app

1. Open the Google Pay app .
2. At the top right, tap your profile.
   • To add your bank account, you won't need to complete the payment.
3. Tap Google Pay balance Transfer out .
4. Enter the amount you want to transfer.
5. Tap Next.
6. To add your preferred bank, tap By [date] (No fee).
7. Next to the account you want to verify, tap Verification needed.
8. Enter the amount that Google deposited in your account.
9. Tap Submit.

Verify on the Google Pay website

1. Go to pay.google.com.
2. On the left, click Payment Methods.
3. Click Fix now.
4. Enter the amount that Google deposited into your account.
5. Click Verify.