Important: Ask Google Pay is currently available to a limited number of users in India and may not be available on your app yet.
Ask Google Pay is an AI feature in Google Pay that analyses your spending patterns and helps you with information related to managing your money better. You can chat with it to:
- Understand your spend patterns.
- Get tips on how to save better.
- Explore offers, such as help you find the right credit card for your travel expenses.
- Learn about finance, such as SIP or CIBIL score.
Important:
- Ask Google Pay is powered by AI, and like all AI, it can make errors.
- Ask Google Pay provides financial information and insights for educational purposes only and is not a substitute for professional financial advice. It is not a registered financial advisor.
- Don’t share highly sensitive personal information, such as passwords, PINs or full account numbers, with Ask Google Pay.
- Ask Google Pay cannot initiate or complete payment transactions on your behalf.
Learn more about Google’s data retention periods, including how long it takes us to delete your information.
What you need
Ask Google Pay uses your transaction history and CIBIL report data with Google Pay to provide suggestions that are tailored to you. Please note, "Personalization within Google Pay" feature is required for the "Ask Google Pay" experience. The Personalization control is off by default. Users are given the option to turn it on during onboarding.
To turn it on please follow these steps. Please note, you can choose to turn it on and off anytime.
Enable personalisation within Google Pay app
- Open the Google Pay app
.
- At the bottom right corner, click You
Settings
- Turn Personalisation within Google Pay on
.
.
Settings 
.Access Ask Google Pay
- Open the Google Pay app
- At the bottom of the home screen, tap Money.
- To start a chat with Ask Google Pay, under "Ask About your finances", tap Ask a question.
Tip: You can also directly click a suggested prompt chip to start a conversation.
Chat with Ask Google Pay
In Ask Google Pay, you can:
- Ask any question with text and get AI-powered responses.
- Ask follow-up questions on a topic.
- Analyse your data better and get access to information to make your independent decisions, such as:
- "Analyse my spends from last week."
- "What is the best card for my spends?"
Use text to ask a question:
- Enter your question in the Ask Google Pay screen.
- To ask a follow-up or a new question, type in the "Ask me anything" bar at the bottom of the screen.
View chat history
You can access your chat history from the past 42 days to review your previous discussions with Ask Google Pay.
- Open the Google Pay app
- At the bottom of the home screen, tap Money.
- On the top right corner of Ask Google Pay screen, tap
.
- Select the topic to view your chat history.
Give feedback to Ask Google Pay
Your feedback helps us improve Ask Google Pay. At the bottom of each Ask Google Pay response, you'll find thumbs up 
- If you found the response helpful, tap
.
- If you found the response unhelpful, inaccurate, confusing, or otherwise problematic, tap
.
- To provide detailed feedback, tap Get started, answer the questions and tap
to submit your feedback.
to submit your feedback.Tip: When you submit feedback, the associated chat context may be reviewed by trained teams to resolve issues. Learn how we protect your privacy during review.
How Ask Google Pay uses your data
When you use Ask Google Pay, your queries, generated answers, best matches, and associated financial data are processed by Google’s AI. Your data remains within the Google Pay ecosystem and is never shared with third-party applications. To protect your privacy, we do not use your data to train Google’s AI models. We handle all information strictly in accordance with the Google Pay Terms of Services and Google Privacy Policy. To continuously enhance your experience, some AI interactions and feedback may be reviewed by trained reviewers for product improvements within Google Pay. Where this occurs, chats are disconnected from your account and rigorous anonymisation controls are applied. You can choose to opt out of human quality review at any time in your settings. Learn more about human review and how to opt out.
Ask Google Pay may use the following data to tailor the response to you, if you have turned on personalization, which can be viewed and adjusted in your privacy settings in the Google Pay app:
- Your past Google Pay transactions and associated data
- Your saved payment methods in Google Pay
- Your Google account information, if consented
- Your CIBIL report, if shared and consented
Ask Google Pay is designed to never store, access or process highly sensitive identifiers, which include your full credit or debit card numbers, complete bank account numbers, or government-issued financial IDs. These details are strictly excluded from all AI interactions. Learn more about it.
Human reviewers (including trained reviewers from our service providers) review some of the data we collect for quality evaluations. Users’ personal data and sensitive information is redacted before sending to the human reviewers.
What data is collected in Ask Google Pay?- What you say to Ask Google Pay (prompts you submit)
- Responses from Ask Google Pay
- Your feedback
Common questions
Why doesn't Ask Google Pay give me specific investment advice or tell me what to invest in?Ask Google Pay is an informational tool and not an investment advisor. It can’t predict market movements or provide specific investment recommendations. It can, however, provide general information about financial products, which is educational in nature. For example, it can answer questions like, "What is an Index Fund?"
To use Ask Google Pay, the "Personalization within Google Pay" setting in the app will need to be on.
The "Personalization within Google Pay" control is turned OFF by default. This means Google Pay does not use your activity data for personalization unless you explicitly turn this setting ON. Users are given the option to turn it on during onboarding. For more details on "Personalization within Google Pay" and to turn it on, please refer to the article here.
No. Your data remains within the Google Pay ecosystem and is never shared with third-party applications. We handle all information strictly in accordance with the Google Pay Terms of Services and Google Privacy Policy. To protect your privacy, we do not utilize your data for the purpose of training Google’s AI models.
Ask Google Pay is currently rolling out to a limited number of users in India and may not be available on your account yet. We are working on expanding the feature to all users. Check your "Money" tab for the latest updates.
Ask Google Pay primarily utilizes the information already accessible within your Google Pay account. Since this feature is powered by AI, it may occasionally produce errors. If you find the response to be inaccurate, please let us know by sharing your feedback through the thumbs up
Your financial data and interactions are not stored outside of Google Pay India, shared with the third-party apps, or used for model training purposes. We handle all information strictly in accordance with the Google Pay Terms of Services and Google Privacy Policy.
To improve Ask Google Pay responses, trained reviewers (including Google's service providers) may review some chat interactions. Reviewers evaluate whether responses are helpful, accurate, and safe, which helps us refine product quality within Google Pay.
Before any interaction is reviewed, strict safeguards are applied to protect your privacy:
- Account disconnection: Before any chat interaction is sent for human review, it is disconnected from your Google Account and stripped of personal identifiers.
- Strict exclusion of sensitive data: Ask Google Pay never stores, accesses, or shares highly sensitive identifiers—such as full credit or debit card numbers, bank account numbers, PINs, or government-issued IDs—with human reviewers.
- No AI model training: Your data remains within the Google Pay ecosystem and is never used to train Google's broader AI models.
Control sharing with reviewers (opt-out)
You are in control of whether your Ask Google Pay interactions can be selected for human quality evaluation. To opt out at any time:
- Open the Google Pay app.
- Tap You (Profile) at the bottom right
- Turn off Session quality evaluations.
Note: When you turn this setting off, your future Ask Google Pay chats will not be sent to human reviewers for quality evaluation. Your chats will still be processed automatically to answer your queries and retained per Google Pay's standard retention policies.
By default, your chat history is retained for 42 days, after which it is automatically deleted.
To protect your privacy and ensure data safety, as your conversations may contain sensitive personal information, Ask Google Pay does not currently support the sharing or exporting of messages.
No. Chat history is currently not utilized to personalize your experience within the app.
Your chat history is linked to the Google account used to sign in to the Google Pay app. Therefore, switching your mobile device will not impact your history; your past conversations will remain accessible in Ask Google Pay. You can view them at any time by tapping the history icon 
Your chat history is linked to the Google account used to sign in to the Google Pay app. Therefore, changing your phone number will not impact your history; your past conversations will remain accessible in Ask Google Pay. You can view them at any time by tapping the history icon
Your chat history and activities are linked to your Google account; therefore, you must sign in with the same email address to access your past Ask Google Pay conversations.
Your data remains within the Google Pay ecosystem and is never shared with third-party applications. We handle all information strictly in accordance with the Google Pay Terms of Services and Google Privacy Policy. While you may encounter advertisements relevant to your interests, these are not linked to your Ask Google Pay conversations.
Yes, payment data is stored in India, in compliance with the Data Localization guidelines of RBI.