How to link a bank card to Xiaomi Mi Band 4 NFC: full instructions with a photo

Introduction: Why is it necessary NFC-Payment in Mi Band 4

The Xiaomi Mi Band 4 NFC fitness bracelet is not just an activity tracking device, but also a full-fledged contactless payment tool. With the built-in NFC chip, you can pay for purchases right from your hand without taking out your phone or wallet, a feature that is especially convenient for athletes who do not want to take extra things with them for training, or for those who appreciate speed and security of payments.

But many users have difficulty setting up the first setup, unlike smartphones, where they have a very difficult time. NFC-Payment has become standard, and the process of attaching a card has its own nuances in bracelets. In this article, we will analyze the step-by-step instructions for adding a bank card to the Mi Band 4. NFC, Consider the list of supported banks in 2026, and also explain how to solve problems, for example, when the application does not see the bracelet or the card is not tethered.

It is important to understand that the NFC payment feature is only available in the NFC-enabled Mi Band 4 (marked on the box or in the device specifications).The normal non-NFC bracelet version does not support this feature, and all attempts to tie the card will be unsuccessful.

Which banks support NFC-Payment in Mi Band 4 in 2026

Before you start setting up, make sure your bank is working with Xiaomi’s Mi Pay payment service, which is used for contactless transactions. In Russia and CIS countries, the list of supported banks is limited but regularly updated.

If your bank is not on the list, it does not mean that you will not be able to use it. NFC-Some financial institutions allow you to link the card through third-party services, such as Google Pay or Apple Pay, but this will require additional setup. Also, it is worth considering that from July 1, 2026, banks are required to support the technology of tokenization for wearable devices at the request of the Central Bank of the Russian Federation, so the list of compatible cards may expand.

To find out exactly if your card is supported, go to the Mi Fit app and try adding it to the Mi Pay section. If the bank does not appear in the list, contact their support team and check their connection.

Preparation of bracelet and smartphone to link the card

Before you tie the card, you need to follow a few preparatory steps, which will help avoid errors and save you time.

• 📱 Update the bracelet firmware. Outdated software may not support Mi Pay. Check the relevance of the version in the Mi Fit app in the Profile section → Mi Band 4 → Firmware update.
• 🔄 Make sure the compatibility of the smartphone. NFC-Payment via Mi Band works only on phones with Android 6.0 and above and installed with the Mi Fit app version not lower than 4.6.0.
• 🌍 Check the region of the Mi Account. Xiaomi account must be registered in the country where Mi Pay is officially supported (Russia, China, some European countries).
• 🔋 Charge the bracelet. The charge level must be at least 20%, otherwise the system may block the addition of the card.

Pay special attention to the NFC settings on your smartphone, which should be enabled in the phone settings (usually in Wireless Networks → NFC) if the NFC is disabled, the Mi Fit application will not be able to communicate with the bracelet to link the card.

⚠️ Note: If you use a custom firmware smartphone (like LineageOS), Mi Pay may not work due to a lack of Google certified services.In this case, try temporarily switching to official firmware or using alternative payment methods.

How to link the card to Mi Band 4 NFC

Now, let's get to the main process. Follow the instructions carefully to avoid errors.

1. Open the Mi Fit app on your smartphone and log in to your Xiaomi account. Make sure the bracelet is connected to your phone via Bluetooth.
2. Go to Profile → Mi Band 4 → Mi Pay. If this item is not available, update the app or check the compatibility of the device.
3. Click Add Card and select your bank from the list. If there is no bank, try the Other Card option (not all banks are displayed immediately).
4. Enter the card data manually or scan it with your smartphone camera, and make sure you enter the information without errors, such as number, expiration date and CVC-code.
5. Confirm the card’s addition via SMS or a push notification from the bank. Some financial institutions require additional verification in their mobile application.
6. Wait for the request to be processed. It can take anywhere from a few seconds to 5 minutes. Once the link is successfully linked, you'll see a notification in Mi Fit.
7. Set up a PIN to pay (if required) This step is mandatory for security - without it, payments will be blocked.

After the procedure is completed, check the efficiency NFC-To do this, bring the bracelet to the terminal in the store (the distance is not more than 5 cm) and wait for the beep or vibration. The first payment may take a little longer due to the activation of the card in the bank system.

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If the terminal is not reading the bracelet, try turning your hand so that the chip is not able to read it. NFC (It's located closer to the display, and it's directed to the reader, and make sure that the terminal has contactless payment (usually marked with a symbol) on. 📶).

What to do if the card is not tied: common mistakes

Even with all the steps done correctly, users sometimes encounter problems.

• ❌ Error "Bank not supported" Solution: Check if your bank is on the list of supported. If not, try linking the card via Google Pay and then syncing with Mi Band (instruction below).
• ❌ "Unable to connect to the bracelet" Solution: Reset the bracelet (press the touch button for 10 seconds) and smartphone. NFC Also check if the antivirus is blocking the connection.
• ❌ "Card added but payments are not being made" Solution: The bank may not have activated the token for the bracelet yet. Wait 24 hours or contact the bank's support. Also check if there is a limit on contactless payments (e.g., 1000)₽ pinless).
• ❌ "Mi Fit App crashes when you add a map" Solution: Clear the app cache in your smartphone settings (Settings → Annexes → Mi Fit → Memory. → Clear the cache and try again.

If none of these methods worked, try resetting the bracelet to factory settings. Go to Mi Fit → Profile → Mi Band 4 → Untie the device, and then reconnect it. This will delete all data from the bracelet, including previously added cards, so use this method as a last resort.

How to manage cards and set up payments

Once you have successfully linked the card, you can manage the settings directly from the Mi Fit app. Here are the basic features:

• 💳 Default Card Selection: If multiple cards are tied to the bracelet, select the main one in the Mi Pay section → Map management.
• 🔒 Change pin code: For security, it is recommended to update the pin code periodically.
• 📊 View payment history: Some banks display recent transactions directly in Mi Fit. this may require additional synchronization with a mobile bank.
• ❌ Delete the card: If the card is no longer needed, delete it via Mi Pay → Delete the card. This is also useful before selling or transferring the bracelet to another person.

Note that the limits on contactless payments are set by the bank, not Xiaomi. for example, in Sberbank, the default limit is 1000.₽ For one transaction without entering a pin code, to increase the limit or disable it, contact the bank or change the settings in its mobile application.

It’s also useful to know that the Mi Band 4 NFC supports offline payments, which means you can pay with an bracelet even without an internet connection (such as on a subway or plane), but the first payment after you peg a card will require an active network connection.

Security NFC-Payment: How to Protect Your Money

Contactless payments via a bracelet are no less secure than payments by smartphone or card, but require compliance with several rules:

1. Never store the pin code with the bracelet, and if you lose the device, the fraudsters can easily use it, remember the code or store it in a secure place (for example, in a password manager).
2. Turn on mobile bank payment notifications to help you quickly spot suspicious transactions. SMS-notifications or push notifications.
3. Turn off NFC when you're not using. Although not necessary, this approach will reduce the risk of random reading. In Mi Band 4, NFC turns on automatically when you reach the terminal, but you can manually turn off the function in the bracelet settings.
4. Check the terminals before paying. Fraudsters sometimes install skimmers (card readers) on legal terminals. If the terminal looks suspicious (for example, it has foreign stickers or wires), it is better to refuse payment.

Xiaomi uses tokenization technology to protect payments, which means that your real card number is not stored on the wristband, instead it uses a unique token that is useless for attackers without access to the bank’s servers.

⚠️ Warning: If you lose your bracelet, immediately delete your associated cards via the Mi Fit app or lock them in a mobile bank.

FAQ: Answers to Frequent Questions About the Mi Band 4 NFC