Decoupling a bank card from a Xiaomi smartphone is a procedure that may be required when selling a device, changing a bank or suspecting a data breach. Unlike the iPhone, where payment management is centralized via Apple Pay, on Xiaomi Android devices, cards can be tied in several places at once: in the company’s Mi Pay service, Google Pay (now Google Wallet), as well as in mobile banking applications such as Sberbank Online or Tinkoff.
Xiaomi, Redmi and POCO have a pre-installed Mi Pay service that often duplicates Google Wallet features but uses different security protocols, which means that even after removing a card from one application, it can remain active in another. In this article, we will look at all possible card detachment scenarios, including when the phone is lost or locked, and explain how to check if payment data has been completely deleted.
1 How to remove the card from Mi Pay on Xiaomi
Mi Pay is Xiaomi’s proprietary payment service integrated into MIUI firmware, which supports contactless payments via NFC, but does not work in all countries, and if you used this service, you should remove the card separately from Google Wallet.
The instructions are valid for MIUI 14 and MIUI 15 (including HyperOS):
- 📱 Open the Mi Pay app (Blue Wallet icon).
- 🔒 Sign in with your fingerprint or password if requested.
- 💳 Click on the map you want to untie.
- 🗑️ In the upper right corner, tap three points. → Delete the map.
- ✅ Confirm the action in the pop-up window.
If the Mi Pay app is not on the menu, check the Add-on folder or search the system. On some models (such as Xiaomi 13T or Redmi Note 12), the service can be disabled by default - turn it on to Settings → Apps → Application Management → Mi Pay.
⚠️ Note: Once the card is removed from Mi Pay, it automatically disappears from the Quick Payments section in the notification curtain. However, this does not mean that the card is removed from Google Wallet - check both services!
Delete the card in the Mi Pay app|Disabled autocomplete payment data in the settings MIUI|Remove the cache of the Mi Pay application (optional)|Checked the absence of a card in the curtain of quick payments-->
2. Delete the card from Google Wallet (formerly Google Pay)
Google Wallet (formerly Google Pay) is the main payment service for Android, which works on all Xiaomi smartphones.The cards here are stored in a Google account, so their deletion syncs with all devices where you are logged in.
To untie the map:
- Open the Google Wallet app (an icon with a multicolored letter G).
- Select the card that needs to be removed.
- Slip on to More (three dots or an arrow up).
- Press Delete the map → confirm.
Alternatively, through the web version:
- Go to pay.google.com.
- Sign in with the same account as on your phone.
- In the Payment Methods section, find the card and click Delete.
⚠️ Note: If you delete a card from a phone you are planning to sell soon, log out of your Google account in your device settings first. Otherwise, the new owner will be able to restore access to your payment data through backups!
Google Wallet|Mi Pay| Banking application (Sberbank, Tinkoff, etc.)|I do not use contactless payments-->
3. Untied card in the banking application
Many banks (e.g. Sberbank, Tinkoff, VTB) allow cards to be linked to their phone directly through their mobile apps, in which case the card can remain active for payments even after being deleted from Mi Pay and Google Wallet.
The general algorithm (on the example of Sberbank Online):
- 🏦 Open the bank's application.
- 🔍 Go to the Cards or Payments section.
- 📱 Find the option Device Management or Tied Gadgets.
- 🗑️ Choose your Xiaomi and untie it.
For Tinkoff Bank, the path will be different: Profile → Settings → Devices for payments → Delete this device.
If there is no explicit decoupling option in the bank application, try:
- Remove and re-install the application (the card will be unloaded automatically).
- Contact the bank to remove the device from the list of trusted.
What if the bank does not allow the card to be untie yourself?
4.How to check if the card is completely untied
Even after removing the card from all applications, it can remain tied to the phone at the system level. To make sure you are completely uncoupled, perform the following checks:
| Method of verification | What do you do? | Expected output |
|---|---|---|
| NFC testing | Hold your phone to the payment terminal. Try making a payment without unlocking the screen. | The terminal must not respond or give an error "Maps not found". |
| MIUI settings | Go to Settings → Connected Devices → NFC. | The "Payment Cards" section should not have any active entries. |
| Google Account | Go to myaccount.google.com/payments. | In the list of "Payment Methods" your card must be missing. |
| Bank SMS | Send. USSD-request to check the attached devices (for example, *900# for Sberbank). | The answer should not mention your phone. |
If at least one of the tests shows that the card is still tied, repeat the deletion procedure or contact the bank, especially before selling the phone, the new owner can access your payment data through restoration from the backup.
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Before selling your phone, make a full factory reset (Settings → About Phone → Settings Reset) that will delete all payment data, including those that may have remained in the app cache.
5. Untie the card from a lost or locked phone
If your Xiaomi phone is lost or locked and your card is still tied, follow the following algorithm:
- Remote Deletion via Google: Go to Google's Device Management page. select your lost phone and click Delete.This will delete all account data, including billing information from Google Wallet.
- Locking with Mi Account: Sign in to account.xiaomi.com. In Devices, find your phone and select Delete Device, which will untie the phone from Mi Pay and other Xiaomi services.
The locking of the card in the bank:
- Call the bank and ask to block all contactless payments from the device.
- Check whether you need to issue a new card (in some banks, reissuing a virtual card is enough).
If you find the phone later, you'll have to re-set up your payment services, but it's safer than risking a data breach.
⚠️ Warning: If the Find My Device feature is enabled on your phone, first lock it through Google, which will prevent access to data even after resetting your settings.
6. Frequent mistakes and how to avoid them
When untiing a map, users often face typical problems, and here are the most common ones and how to solve them:
- 🔄 Map reappears after deletion: Reason: sync with Google or Mi Account.Solution: delete the card via Google Wallet web and check Mi Pay settings for backups.
- 🔒 Can't delete the card - button is inactive: Reason: the card is blocked by the bank or is the main one in the account. Solution: contact the bank or add another card as the main one, then try again.
- 📵 NFC Does not work after deleting the card: Reason: Failure in settings MIUI. Solution: Restart your phone and check if it’s on NFC In Settings → Connections and sharing → NFC.
- 🔄 After resetting the settings, the map remained: Reason: Data recovered from backup. Solution: Before reset, disable backup to Settings → Google → Backup.
If neither of these methods worked, try removing the cache of Mi Pay and Google Wallet apps: Settings → Apps → App Management → [select the app] → Storage → Clear the cache.
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Before selling or transferring your phone to another person, make sure to follow all three steps: remove your cards from Mi Pay, Google Wallet, and banking apps.