How to connect contactless payment from Xiaomi phone via SberBank: step-by-step instruction 2026

Contactless payment from Xiaomi’s smartphone via SberBank Online is not only convenient, it’s also safe. Instead of carrying a physical card, you can pay with a single touch of your phone to the terminal. However, many users face problems when setting up: the NFC module does not turn on, the application does not see the card, the payment does not pass. In this article, we will discuss all the stages of activation, from checking the compatibility of your Xiaomi to the first successful payment.

It’s important to understand that contactless payments technology through your phone only works on devices with an NFC chip. Not all Xiaomi models support it, especially for the budget lines of Redmi and POCO. We have compiled a list of compatible devices so you can immediately check whether your smartphone is suitable. If so, follow the instructions below, and in 5 minutes you can pay with your phone in stores, cafes and transport.

What Xiaomi phones support contactless payment through SberBank

Before you set up payments, make sure your Xiaomi is equipped with an NFC module, which is responsible for wireless data transfer over short distances – it allows the phone to emulate a bank card. Here is the current list of models with NFC support (2026):

• 📱 Xiaomi 13/13 Pro/13 Ultra – flagship series with advanced features NFC, including transportation.
• 📱 Xiaomi 12/12 Pro/12S Ultra – support Google Pay and SberBank Online without restrictions.
• 📱 Redmi Note 12 Pro+/Note 11 Pro+ 5G — budgetary models with NFC, But additional adjustments may be required.
• 📱 POCO F5/F4 Pro – Optimized for contactless payments, but some regions require manual activation NFC.
• 📱 Xiaomi Mi 11/Mi 10 — Old flagships, but still relevant for payments.

If your model is not on the list, check the specifications on the official Xiaomi website or in the documents to the phone.Please note: some devices (for example, Redmi 9A or POCO M3) do not support NFC in principle - in this case contactless payment via the phone is not possible.

⚠️ Note: Some Xiaomi models (especially Chinese versions) feature NFC It can be disabled at the software level, and then only the flashing to the global version will help. MIUI.

Preparing the phone: turn on NFC and configure SberBank Online

Before you link the card to your phone, you need to activate the NFC module and install (or update) the SberBank Online application.

1. Turn on NFC on Xiaomi: Go to Settings → Connections and Sharing → NFC (or Settings → Wireless Networks → Additional → NFC on older versions of MIUI). Switch the slider to "On." If there is no NFC option, your phone does not support the technology.
2. Update SberBank Online: Launch Google Play Store, find SberBank Online and upgrade to the latest version. Contactless payments require version 12.0 and higher.
3. Sign in: If you haven't used a mobile bank, sign up with the phone number attached to the card. If you already have an account, sign in with your password or fingerprint.

After completing these steps, your phone is ready to link the card, and note that additional adjustments may be required to pay in transport (such as the subway), as we will explain below.

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Step-by-step: how to link the card of SberBank to the phone Xiaomi

Now, the most important thing is to link a credit card to a phone, which takes 2-3 minutes if you follow the instructions:

1. Open SberBank Online and go to the "Cards" section (card icon in the bottom menu).
2. Choose the card you want to tie to your phone. If you have multiple cards, tap the card you want.
3. Click on “Add to Google Pay” (or “Connect Contactless Payments” in newer versions of the app).
4. Confirm the action via SMS or push notification in the mobile bank.
5. Follow the instructions of Google Pay: 🔹 The app will automatically redirect you to Google Pay (if not installed, it will offer you to download it). 🔹 Click "Add card" and select your SberBank card from the list. 🔹 Confirm the addition through SMS-code (will come to the number associated with the card).

Done!

Important: If you have MIUI installed without Google services (for example, on Chinese firmware), you will not be able to link the card via Google Pay. In this case, use an alternative method - SberPay (instruction below).

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Alternative way: SberPay setup on Xiaomi without Google Pay

If your Xiaomi is running without Google services (like firmware for China), or you prefer not to use Google Pay, you can set up contactless payments via SberPay, SberBank’s own solution, which works on all NFC phones, including devices on MIUI China.

Instructions for setting up SberPay:

1. Open SberBank Online and go to the "Cards" section.
2. Select the card you want and tap the “SberPay” icon (or “Contactless Payments”).
3. Click "Connect" and confirm the action by SMS.
4. Download the SberPay app from AppGallery (if you don’t have Google Play) or from the official website.
5. Launch SberPay, log in and follow the on-screen prompts.

To ensure that the payment in transport is successful:

1. Unlock your phone (don’t have to open the app).
2. Push the top of the phone (where the NFC antenna is) to the yellow reader.
3. Wait for the beep or green light at the terminal.

⚠️ Note: SberPay is not available on phones without Google services. Use only Google Pay or a physical card.

Frequent mistakes and their solutions

Even when set up correctly, contactless payments may not work, and we've collected some of the most common problems and ways to solve them:

• 🔴 Phone not recognized by terminal: Check if it is on NFC If so, try to hold your phone to the other corner of the terminal (antenna). NFC usually located at the top of the body).
• 🔴 The SberBank Online app doesn't see the card: Update the app to the latest version. If the card still doesn't show, check if it's linked to your account in SberBank's personal account.
• 🔴 Payment does not pass, although the card is tied: Make sure there is enough money on the card and it is not blocked. Also check if the terminal supports contactless payments (should be a PayPass or PayWave logo).
• 🔴 Google Pay writes, “This device is not supported”: “This means your Xiaomi is not certified for Google Pay: 🔹 Install SberPay (instruction above). 🔹 Refuse the phone to the global version MIUI.

If none of the methods did not help, contact SberBank support at 900 (free call) or via chat in the application.

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Before you make your first payment in the store, try testing contactless payments for a small amount (like buying gum) to make sure everything works and avoid inconvenience on large purchases.

Contactless Payments: How to Protect Your Money

Many users fear that contactless payment is less secure than a regular card, but it is not true: the tokenization technology used in Google Pay and SberPay secures your data, but there are a few rules to help avoid fraud:

• 🔒 Don't keep it. PIN-card code on the phone (for example, in notes or SMS).
• 🔒 Enable screen lock (print, pattern lock, or PIN). Without it, paying by phone is impossible.
• 🔒 Turn it off. NFC, When not used (this will also save battery life).
• 🔒 Check the notifications of payments – Sberbank sends SMS Push after each operation.

If your phone is lost or stolen:

1. Immediately block the card through SberBank Online (section "Cards" → "Block").
2. Remove the card from Google Pay or SberPay via the web version of the service.
3. Restore access to your Google account (if you used Google Pay) and change your passwords.

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Contactless payments via phone are safer than a physical card: card data is not transferred to the terminal, and a one-time token is used instead.

Frequently asked questions