How to send money with Google Pay? (iPhone & Android)

Not sure how to use the Google Pay®¹ send money service? This guide has all you need to know.

Google Pay is still available for online and in-store payments, but its US peer-to-peer send-money service has changed. We’ll explain what you can do today, how selected international transfers work, and how to use Google Pay with Wise when the option is available.

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Can you send money through Google Pay in the US?

You can’t use the US Google Pay app to send, request or receive peer-to-peer payments. Google discontinued those features on June 4, 2024.²

You can still use Google Wallet to store payment methods and pay in shops, apps and websites where Google Pay is accepted. Your bank or card provider processes those purchases; Google Pay does not act as a general-purpose US money-transfer app.³

Can you send money abroad with Google Pay?

Google currently offers international transfers through the Google Wallet website to selected destinations, including India, Mexico, Brazil and the Philippines. The feature is available to a select group of US users and requires a one-time identity check.⁴

To check whether the feature is available to you:

1. Open the Google Wallet website.
2. Select International transfers.
3. Choose the destination currency.
4. Enter the amount you want to send and review the available provider quotes.

Availability, limits, fees and delivery times depend on the destination and the third-party provider. Check the quote and recipient details carefully before you confirm the transfer.⁴

Google Pay alternatives to send money abroad

If Google’s international-transfer feature isn’t available to you, you can arrange an international transfer through a specialist provider. Here are a few options to consider:

Wise

You can use Google Pay as a payment method on the Wise website or in the Wise app when it’s available for your currency and region. Wise currently supports sending money to bank accounts in more than 140 countries. The recipient gets the payment through the payout method you choose, rather than through Google Pay itself.⁵

For US customers, Wise’s direct Google Pay integration is currently limited to transfers to India in INR. The limit is $2,000 per payment and $8,000 per week. You’ll see Wise as a payment option in Google Pay when the transfer is eligible.⁶

With Wise, you can:

• Send money to bank accounts in more than 140 countries
• Hold and convert 40+ currencies in your Wise Account
• See the exchange rate, fee and estimated delivery time before you confirm
• Use the mid-market exchange rate for currency conversion

Google Pay availability can vary by currency, region and transfer details. If it isn’t offered for your transfer, you can choose another payment method, such as a debit or credit card, ACH or a bank transfer.⁵

See how much you can save with Wise:

Get a Wise Account today

Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information.

PayPal

PayPal can be used for personal payments between supported countries. For US accounts, international personal payments have a 5% international fee, with a minimum of $0.99 and a maximum of $4.99. A currency-conversion spread may also apply: PayPal lists 4% when the recipient gets a different currency from the one you send.⁷

Western Union

Western Union supports international transfers with options such as bank-account delivery and cash pickup. Fees and exchange rates vary based on the destination, amount, payment method and delivery option, so check the quote before sending.⁸

Looking for something different? Here are some handy resources that may help:

• Trying to decide if Apple Pay or Google Pay is right for you - get this Google Pay vs Apple Pay guide
• Wondering if you can use PayPal and Google Pay together? This guide is for you
• Interested in how Google Pay lines up vs PayPal? Get a Google Pay vs PayPal review here
• Stuck between Samsung Pay and Google Pay? Here’s a Samsung Pay vs Google Pay guide to help

How much does it cost to send money with Google Pay?

There is no single Google Pay transfer fee for US users. Direct US peer-to-peer payments are no longer available, and international transfers use third-party providers. The provider, destination, amount and payment method determine the cost.

When you use Wise, the total fee and exchange rate are shown before you confirm. Google Pay is a payment method, not a replacement for the provider’s transfer pricing.⁵

How long does it take to send money with Google Pay?

Delivery time depends on the provider, destination, payment method, verification and banking systems. Wise says transfers funded with Google Pay typically arrive in seconds on eligible routes, but its calculator provides the estimate for your specific transfer.⁵

Bottom line

You can no longer send money directly to another person through the US Google Pay app. Selected US users may be able to arrange international transfers through the Google Wallet website, while Wise can be used with Google Pay as a payment method when the transfer is eligible.

For US-to-India transfers, Wise’s Google Pay integration is available directly in Google Pay, subject to its current destination, currency and limit rules. For other destinations, set up the transfer through Wise’s website or app and choose Google Pay if it’s offered at checkout.

Learn more about Wise

Frequently asked questions

Can Google Pay send money instantly?

Not through the US Google Pay app’s former peer-to-peer service, which was discontinued in 2024. For eligible international transfers, the delivery time depends on the provider and route. Wise says eligible Google Pay transfers typically arrive in seconds, but the estimate shown for your transfer is the best guide.⁵

Why can't I send money on Google Pay?

If you’re trying to send a peer-to-peer payment through the US Google Pay app, that service is no longer available. If you’re trying to send internationally, Google’s feature is currently limited to selected US users and destinations, and you may need to complete identity verification.^2,4

Can I use Wise with Google Pay?

Yes, when Google Pay is available for your currency, region and transfer details. Wise’s direct Google Pay integration for US customers currently supports sending to India in INR, with limits of $2,000 per payment and $8,000 per week. You can also start a transfer through the Wise website or app and select Google Pay as the payment method when it’s offered.^5,6

Sources checked on 9 September 2026