Xiaomi Mi Smart Band 4 NFC: Up-to-date list of supported banks in 2026 and instructions for setting up payments

Fitness bracelet Xiaomi Mi Smart Band 4 NFC It was one of the first wearable devices of the brand to support contactless payments, despite the release of newer models such as the Mi Band. 5/6/7 NFC), The fourth version is still in demand due to the optimal price-to-function ratio, but users often wonder what banks the Mi Band supports. 4 NFC into 2026 How to link a card and why payments may not work? In this article, we will discuss the current list of partner banks, nuances of settings and typical problems.

The main difference is the Mi Band 4 NFC From the standard version without contactless payment module – built-in chip compatible with the Mi Pay system (similar to Apple Pay or Google Pay for the Xiaomi ecosystem). It is important to understand that support for payments depends not only on the bracelet model, but also on the region of sale of the device, firmware version and policy of a particular bank.

Before buying the Mi Band 4 NFC European and Russian versions usually support local banks, while Asian versions can be limited to UnionPay or Alipay payment systems. Also, be aware that since 2022, some banks have suspended support for new devices due to sanctions restrictions – this point we will consider separately.

Official list of banks supported by Mi Band 4 NFC in 2026

At the time of writing (June 2026) Xiaomi Mi Smart Band 4 NFC Officially compatible with banks connected to the Mi Pay system. In Russia and CIS countries, the list has decreased significantly compared to 2021, but some credit institutions continue to support the device.

For Russia and Belarus, the following banks have been confirmed (checked by users in 2026):

• 🏦 Sberbank – Mastercard and MIR cards (binding through the SberBank Online application)
• 💳 Tinkoff Bank – Mastercard only (the World is not supported)
• 📱 Alfa-Bank – Mastercard and Visa (restrictions for new customers are possible)
• 💰 VTB – partial support (required updated bracelet software)
• 🌍 Raiffeisenbank – only for cards issued before 2022

In Ukraine and Kazakhstan, the situation is different:

• 🇺🇦 PrivatBank (Ukraine) – support via Google Pay (requires a link to the phone)
• 🇰🇿 Caspian Bank (Kazakhstan) – cards Visa/Mastercard
• 🇰🇿 Halyk Bank – limited support (only for devices with Kazakhstani firmware)

In Europe, Mi Band 4 NFC It works with most banks connected to Google Pay or Apple Pay, but it requires you to link the bracelet to your smartphone via the Mi Fit app:

• 🇩🇪 Deutsche Bank (via Google Pay)
• 🇫🇷 BNP Paribas (Mastercard only)
• 🇪🇸 BBVA (Spain, Visa/Mastercard)

How to check your bank’s compatibility with Mi Band 4 NFC

Before you try to link a card, make sure your bank does support contactless payments through Mi Pay.

1. Check the list of Mi Pay partners on Xiaomi’s official website (Supported Banks section). Please note that the list may vary by region.
2. Check with the bank – contact support and ask if their cards are compatible with Xiaomi Mi Band 4 NFC. Please note that this is a Mi Pay system, not a Google/Apple Pay.
3. Check the firmware version of the bracelet. To work with payments, you need firmware at least 1.0.9.54 (you can see the version in the Mi Fit application in the Device Profile section).

If your bank is not on the official list, but issues cards Mastercard/Visa With contactless payments, you can try to link the card through workarounds (for example, through Google Pay on a smartphone.

Important: some banks (for example, Otkritie or Promsvyazbank) previously supported Mi Band 4 NFC, If you see conflicting information, you'd better check the relevance of the bank's support.

How to link a bank card to Mi Band 4 NFC

If your bank is supported, the card binding will take no more than 5 minutes.

1. Update the bracelet firmware to the latest version through the Mi Fit app (Section Profile) → Update of the PO).
2. Open the Mi Fit app on your smartphone and go to the Mi Pay (or Contactless Payments) section.
3. Click Add Card and select your bank from the list. If you don't have a bank, try entering the card details manually.
4. Enter the card details: number, expiration date, CVC-Some banks require confirmation through SMS push-notification.
5. Install. PIN-payment code (will be requested for each payment from the bracelet).
6. Wait for confirmation – the bank can block the transaction if it considers it suspicious (in this case, call support).

After successful binding, the card will appear in the Mi Pay section of the Mi Fit app.

1. Twice press the touch button of the bracelet.
2. Choose a linked card (if there are several).
3. Bring the bracelet to the terminal at a distance of 2-3 cm.
4. Enter. PIN-code on the bracelet screen (if required).

If you have a "Bank not supported" or "Operation denied" error when you link the card, try:

• Reboot the bracelet and smartphone.
• Remove and reinstall the Mi Fit app.
• Contact the bank and check if payments are blocked through wearable devices.

Table: Comparison of Mi Band 4 NFC New payment support models

Many people are wondering if they should buy the Mi Band 4. NFC In 2026, or better, a new model? Below is a comparison of the key characteristics associated with contactless payments.

As you can see from the table, Mi Band 4 NFC The newer models are less than the newer ones in terms of the number of cards supported and the flexibility of settings, but if you only need one card to pay for and the bracelet is already available, you don't have to upgrade for payments.

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Mi Band 4 NFC It is suitable for basic payments, but if you need to link multiple cards or use foreign banks, consider newer models (Mi Band 6). NFC higher).

Typical Payment Problems and Their Solutions

Even if the bank is supported, users of Mi Band 4 NFC You may encounter payment errors, and let's look at the most common situations and how to fix them.

1. "Device not supported" error

The reason: the bracelet was bought for another region (for example, the Chinese version in Russia) or the firmware is outdated.

Decision:

• Update the firmware through Mi Fit (Device Profile Section → Software Update).
• If there are no updates, try the manual firmware (see spoiler below).
• Check the region of the device in the settings (Mi Fit) → Settings → For Russia, choose Russia.

2.The terminal does not accept payment

Reason: low charge bracelet, terminal malfunction or locking by the bank.

Decision:

• Charge the bracelet to 100% (at a charge level below 20%, payments may not work).
• Try to pay at another terminal (for example, at another store).
• Call the bank and check if payments are blocked through wearable devices.

3.The map is tied but not displayed in Mi Fit

The reason: synchronization failure or conflict with other payment systems (e.g. Google Pay).

Decision:

• Reset the bracelet (press the touch button for 10 seconds).
• Remove the card in Mi Fit and re-attach it.
• Disable other payment systems on your smartphone (such as Samsung Pay).

⚠️ If you are using Mi Band 4, please note: NFC With iPhone, payments via Mi Pay may not work due to Apple's restrictions.In this case, link the card to Apple Pay and use the bracelet only for fitness functions.

Alternative payment methods with Mi Band 4 (if Mi Pay does not work)

If your bank does not support Mi Pay, but you want to pay with a bracelet, consider the following options:

1.Basing through Google Pay (for Android)

Some users successfully link cards to Google Pay on a smartphone and then sync them to the bracelet via Mi Fit.

1. Add the card to Google Pay on your phone.
2. In Mi Fit, select Add a card via Google Pay (if available).
3. Confirm synchronization.

This method does not work for all banks and depends on the version of Mi Fit.

2. Use of virtual maps

If the main card is not supported, apply for a virtual card from the same bank (for example, in Tinkoff or Sberbank) and tie it to the bracelet. Virtual cards often have fewer restrictions.

3. Purchase of a local version of the bracelet

If you are a frequent traveler, consider buying the Mi Band 4. NFC For example, the European version supports banks through Google Pay, and the Chinese version supports banks through Alipay.

⚠️ Note: When buying a bracelet at foreign sites (for example, AliExpress), check with the seller what firmware is installed. Chinese versions often require manual firmware for the Russian region.

Payment security with Mi Band 4 NFC: know-how

Contactless payments via wearables are considered safer than traditional cards, thanks to several layers of protection:

• 🔒 Tokenization – instead of a card number, a unique token is transferred, useless for fraudsters.
• 📱 Two-factor authentication – each operation requires PIN-bracelet.
• 🛡️ Limit on the amount – most banks set a limit on one transaction (usually 1000-3,000 rubles).
• 🔄 Dynamic CVV — The security code is regenerated for each transaction.

However, there are risks that should be kept in mind:

• If you lose the bracelet, immediately block the card in the bank application - despite the fact that you are not a member of the bank. PIN-Theoretically, fraudsters can try to find it.
• Don't keep it. PIN-the bracelet code with it (for example, in a notebook in the same backpack).
• Check your bank’s transaction history regularly for suspicious payments.

For additional security, set up payment notifications in the bank app, so you will immediately know if someone tries to use your card.

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If you rarely use bracelet payments, disable Mi Pay in Mi Fit settings. This will reduce the risk of accidental charges (for example, if the bracelet is next to the terminal in the bag).

FAQ: Answers to Frequent Questions about Mi Band 4 NFC bank