Get Started with Garmin Pay
Run, cycle or exercise without having to worry about cards or cash. Add your FOREX Credit card in Garmin Pay and pay with your smartwatch.
Run, cycle or exercise without having to worry about cards or cash. Add your FOREX Credit card in Garmin Pay and pay with your smartwatch.
To find out which smartwatches work to pay with, read more at Garmin.
To use Garmin Pay, you need to have a product that supports the service.
Download the Garmin Connect app from the App Store or Google Play. Open the app, and follow the instructions to add your FOREX Credit Card to your watch.
Choose how you want to receive your activation code. Then, enter the activation code into the Garmin Connect app and follow the instructions to complete the connection.
You're now ready to start using your smartwatch in-store. You pay by tapping the watch towards the terminal where the contactless payment symbol appears.
Which watches from Garmin work to pay with?
To find out which smartwatches work to pay with, read more at Garmin.
What cards can I add to Garmin Pay?
To use Garmin Pay, you need your FOREX Credit Card. If you want, you can keep multiple cards in your watch, as long as the card supports Garmin Pay.
Is it safe to pay with Garmin Pay?
Yes, it is safe. When you add your FOREX Credit Card to Garmin Pay, your real card number is not saved to your watch or app. At checkout, you verify yourself with a personal Garmin Pay code of your choice.
Can I withdraw money at an ATM using Garmin Pay?
Yes, you can withdraw cash at ATMs that support blip. Look for the contactless logo.
How to withdraw money
Can I take advantage of a store's membership program when I shop with Garmin Pay?
At the stores where you can connect your credit card to receive rewards or offers, you can also connect your digital card number for Garmin Pay. This gives you bonuses and offers even when you pay with Garmin Pay.
What do I need to do if I lost my smartwatch?
If you have lost your watch, you need to delete your card details in the app for Garmin. If you have lost your mobile phone, please contact customer service on +46 (0)771 22 22 21.
I have received a new card, what do I do?
When you receive a new card that replaces your previous card, for example at the expiration date, the new card will be added to the watch, and you do not need to do anything. If you have blocked your card, it will also be automatically blocked in Garmin Pay - then you need to add it again.
Where do I turn if I have problems?
If you have problems with your smartwatch or have other questions about the watch, please contact Garmin. If you have problems connecting the card or have questions about your activation code, please contact Customer Service on +46 (0)771 22 22 21.
Garmin Pay — the freedom to pay wherever you are.
Facts and calculation examples
With FOREX Credit Card you can make payments and withdraw cash. Regular annual fee 225 SEK. Credit interest rate is currently 16.49% (2025-09-06), variable. For a utilized credit of 20,000 SEK, the effective interest rate is 16.50% when paying by e-invoice and the total amount to be paid is 21,670 SEK when paying by e-invoice. The amount is calculated based on an example where the credit is repaid in 12 months (average installment amount 1,806 SEK when paying by e-invoice) and that 39 interest-free days are utilized and that the credit is utilized without a fee for cash withdrawal. Cash withdrawals within the EU/EEA incl. Sweden cost 2% of the withdrawn amount, however, a minimum of 40 SEK per withdrawal.
Cash withdrawals outside the EU/EEA and at FOREX (ATM/store) are free of charge. The currency exchange surcharge is 0% on the exchange rate. If the entire account debt is not paid at once, the account debt must be repaid through monthly payments of at least 3%. The minimum payment amount is, however, SEK 150, but no more than the debt on the account. The cancellation fee is SEK 29/paper invoice, SEK 0 if you use e-invoice. The agreement is valid until further notice and the right of withdrawal applies.
FOREX AB cooperates with Entercard Group AB and is a credit intermediary for payment and credit cards. Creditor: Entercard Group AB (corporation number 556673-0585) 105 34 Stockholm. The company is supervised by the Swedish Financial Supervisory Authority.