Ranking updated
Contactless phone payment apps in 2026
To pay with your phone you need two things: the phone’s wallet and a bank card added to it. On iPhone that is Apple Wallet with Apple Pay; on Android it is Google Wallet, which pays wherever Google Pay is accepted. Ukrainian bank apps like monobank and Privat24 add your card to that wallet in a few taps. Details below.
How we picked: contactless payment on a phone runs through the platform wallet, so we listed the two wallets and then bank apps whose own store description says they add a card to Apple Pay or Google Pay.
Paying with iPhone or Android
Apple Wallet keeps your cards, travel cards and boarding passes on iPhone, and pays with Apple Pay from the iPhone or Apple Watch. On Android, Google Wallet pays wherever Google Pay is accepted, works on Android phones and Wear OS watches, and does not share your real card number with the shop when you tap to pay.
Adding a Ukrainian bank card
monobank supports contactless payment with Apple Pay and Google Pay: add the card to the wallet and pay with your phone. Privat24 lets you add a card for payments via Apple Pay or Google Pay from the app.
| App | Best for | Platforms | Price | How you pay |
|---|---|---|---|---|
| Apple WalletApp Store | paying with iPhone or Apple Watch | iOS | built into iPhone | Apple Pay |
| Google WalletGoogle Play | paying with an Android phone or Wear OS watch | Android | free | Google Pay |
| monobankApp StoreGoogle Play | adding a monobank card to the wallet | iOS, Android | free to download | Apple Pay, Google Pay |
| Privat24App StoreGoogle Play | adding a PrivatBank card to the wallet | iOS, Android | free to download | Apple Pay, Google Pay |
Frequently asked questions
Which app do I need to pay with my phone?
On iPhone, Apple Wallet with Apple Pay, built in. On Android, Google Wallet. Then add your bank card, for example from monobank or Privat24.
Can I pay with a watch?
Yes: Apple Pay works on Apple Watch, and Google Wallet works on Wear OS watches.