Xiaomi Mi Band 4 NFC: current list of supported banks and instructions for setting up

Xiaomi Mi Band 4 NFC remains one of the most popular contactless fitness bracelets, despite the release of new models. The main question users are asking is which banks support this device in 2026 and how to tie the card to pay for purchases directly from hand. In this article, we will analyze the current list of banks in Russia, Ukraine and Kazakhstan, the nuances of settings, as well as alternative methods of payment if your bank is not on the official list.

It is important to understand that support NFC-Payments in Mi Band 4 depend not only on the model of the bracelet (Chinese or global version), but also on the region, the policy of the bank, as well as on the platform used - Mi Pay or Google Pay. We tested the work with cards of different banks and collected data on the real restrictions faced by users.

Official list of banks for Mi Band 4 NFC in 2026

In Russia, Xiaomi Mi Band 4 NFC works through Mi Pay, which is integrated with the Mir Pay platform and a number of international payment systems. However, not all banks support card binding to wearable devices. Below is the current list of banks, confirmed by users and official Xiaomi data:

• 🏦 Sberbank - supports the maps World and Visa/Mastercard (Only for the global version of the bracelet).
• 🏦 Tinkoff Bank – works with Mastercard and Mir, but requires pre-activation in the mobile application.
• 🏦 VTB supports Mir and Visa cards, but restrictions by region are possible.
• 🏦 Alfa-Bank – Mastercard cards only (linking via Mi Pay).
• 🏦 Raiffeisenbank – works with Visa and Mastercard, but requires an updated bracelet software.
• 🏦 Gazprombank supports Mir and Visa, but delays are possible on the first payment.
• 🏦 Opening of the World Maps only (for Visa/Mastercard We need a global version of the bracelet).

In Ukraine and Kazakhstan, the situation is more complicated: Mi Pay does not officially support local banks, but some users successfully link cards via Google Pay (only for the global version of the bracelet), for example, in Kazakhstan, Kaspi Bank and Halyk Bank cards work, but only if the bracelet is sewn for the European region.

How to check your card compatibility with Mi Band 4 NFC

Before attempting to tie the card, make sure it meets the following criteria:

1. Card type: must be contactless (PayPass or PayWave).
2. Payment system: World, Visa or Mastercard (depending on the version of the bracelet).
3. Region of issue: The card must be issued in the country where Mi Pay officially operates.
4. Card status: There should be no blocking of contactless payments.

To check the compatibility:

1. Open the Mi Fit app on your smartphone.
2. Go to the Profile section → Mi Pay.
3. Click Add the card and enter the data.
4. If the card is supported, the system will offer to confirm it via SMS.

If you add a card, you get an error "Bank is not supported", it means that your bank is not on the Mi Pay partner list, and you can try alternative methods (see section below).

How to link the card to Mi Band 4 NFC

The process of linking the card takes no more than 5 minutes, but requires precise execution of the steps.

1. Update the bracelet firmware: Go to Mi Fit → Profile → Mi Band 4 → Firmware Update. Make sure the software version is at least 1.0.9.54.
2. Activate Mi Pay: In the Mi Fit app, select Profile → Mi Pay → Add a card.
3. Enter the card data: Scanner or manually specify the card number, expiration date and CVC-For SberBank may require confirmation through SberBank Online.
4. Confirm the binding: The phone will receive an SMS with the code — enter it into the application. After that, the card will be ready for use.
5. Set up a pin code for payments: In Mi Pay, set a 4-digit pin code that will be requested when you pay.

Important: the first 2-3 payments can be delayed (up to 10 seconds) – this is normal. If the bracelet is not recognized by the terminal, try bringing it closer to the reader or restart the device (Settings → Reboot).

💡

If the terminal doesn't accept the bracelet, try using the same card over your phone (NFC), and if that doesn't work, it's the terminal or the bank, not the bracelet.

Limitations and problems with paying with Mi Band 4 NFC

Despite the convenience, the Mi Band 4 NFC has a number of limitations to be aware of in advance:

Critical information: In Russia, since 2023, some banks (for example, Tinkoff) have introduced additional checks when linking cards to wearable devices. If after entering the card data, the message “Bank Confirmation is required”, you must go to the bank’s mobile application and allow binding in the Security Settings section.

Another caveat: Mi Band 4 NFC doesn't support dynamic CVV, and if your card is in this format, you can't tie it.

Alternative ways to contactless payments if Mi Pay doesn't work

If your bank is not supported by Mi Pay, or you have encountered errors in the binding, consider alternative options:

• 📱 Google Pay – working with the global version of the Mi Band 4 NFC, But it requires the bracelet to be firmware for the European region, supported by most Russian banks, including Sberbank, VTB and Alfa Bank.
• 💳 NFC-keychain - you can order a separate keychain (for example, from Sberbank or Tinkoff) and tie it to the card. ₽.
• 🔄 Virtual card – place an additional card in a supported bank (for example, Tinkoff or Opening) and tie it to the bracelet.
• 📲 Apple Pay / Samsung Pay – if you have an iPhone or Samsung, you can use these services in parallel with the bracelet.

Attention! Firmware bracelet on the global version to work with Google Pay can lead to loss of warranty and unstable operation of some functions (for example, notifications in Russian), we recommend this method only for advanced users.

💡

If your bank is not supported by Mi Pay, the most reliable option is to arrange a virtual card in Sberbank or Tinkoff and tie it to the bracelet. This will take 5-10 minutes and will work.

Mi Band 4 NFC compared to other Xiaomi devices for bank support

If you’re considering buying the Mi Band 4 NFC or have already experienced card binding issues, it’s helpful to compare it to other Xiaomi devices:

If you’re critical to support a maximum number of banks, it makes sense to consider newer models like the Mi Band 6 NFC or Xiaomi Watch S1. They work with Mi Pay without regional restrictions and support Google Pay out of the box.

Frequent Questions and Answers (FAQ)