NFC on Xiaomi Redmi Note 9 for SberBank: full instructions for setting up and using

Xiaomi Redmi Note 9 is one of the most popular mid-range smartphones that supports NFC technology for contactless payments. However, many users have difficulty configuring this feature, especially when it comes to binding a Sberbank card. Unlike flagship models where NFC is activated automatically, the Redmi Note 9 requires several additional steps.

In this article, we will not only explore the basic configuration of the NFC module, but also the nuances of working with SberBank Online, Google Pay and alternative payment methods. You will learn how to check the compatibility of your device, what settings to enable, and what to do if payments do not pass. And also unique tips for eliminating the error “Device is not certified” without root rights, which are rarely mentioned in standard instructions.

Check NFC support on Xiaomi Redmi Note 9

Before you start setting up, make sure your Redmi Note 9 is actually equipped with an NFC module. Not all modifications of this model support the technology - for example, the version for the Indian market (Redmi Note 9 India) was often released without a chip.

To check for NFC:

• 🔍 Go to Settings. → Connected devices → NFC. If there is no partition, your device does not support the function.
• 📱 Enter the request in the Settings search bar "NFC" — The system must show the corresponding item.
• 🛠️ Install the app NFC Tools from Google Play. When you run it automatically detects the presence of the module.

If NFC is not available, but the device specifies the opposite, it is possible that the module is disabled at the software level, in which case only flashing to a global version of MIUI (for example, MIUI Global 12.5+) will help.

NFC Activation and Preparation for Payments

Even if the NFC module is present, by default, it can be turned off to save battery power.

1. Open the settings → Connected devices.
2. Slip on the NFC item and move the slider to the "On" position.
3. Activate the Android Beam option (optional, but useful for sharing data).
4. Turn on HCE Wallet (Host Card Emulation) – this will allow you to emulate a bank card.

After activation, it is recommended to add an NFC shortcut to the Quick Settings Panel:

• 📲 Swipe down from the top edge of the screen to open the notification bar.
• 🔧 Click on the "Edit" icon (pencil).
• 🔄 Find it on the list "NFC" and drag it to the active area.

Make sure you're supported. NFC|Activate the module in the settings|Turn it on. HCE Wallet|Add NFC quick-setting panel|Update Sberbank Online to the latest version-->

Important! The Redmi Note 9 with MIUI 12 and below may not have the HCE Wallet option, in which case upgrade to MIUI 13+ or use alternative card binding methods (which are discussed in the next section).

Linking the Sberbank card: official and alternative ways

SberBank offers two main ways to make contactless payments via NFC: the official SberBank Online app and Google Pay.

Method 1: Through Sberbank Online

This method only works on devices with an NFC certified module (most global versions of the Redmi Note 9 are suitable).

1. Open the SberBank Online application and log in.
2. Go to the Cards section → Your card → Contactless payments.
3. Click "Connect" and follow the instructions on the screen.
4. Bring the phone to the terminal for verification (PIN card may be required).

Method 2: Through Google Pay

If the official method doesn’t work (for example, due to uncertified NFC), use Google Pay:

1. Download Google Pay from Google Play.
2. Add the SberBank card manually or through scanning.
3. Confirm the binding via SMS or push notification from the bank.
4. Install Google Pay as the default payment app in NFC settings.

⚠️ If you add a card to Google Pay, you get a "Device Not Supported" error, it means your Redmi Note 9 has not been certified by Google for contactless payments.

Solutions to the problem "Device is not certified"

One of the most common mistakes on the Xiaomi Redmi Note 9 is to report an uncertified device when you try to add a card to Google Pay or SberBank Online. NFC-There are several workarounds, however, for contactless payments:

Method 1: Change the firmware region

If your device is running Chinese or Indian firmware, you can stream it to a global version of MIUI (e.g. MIUI Global 13.0.4).

• 🔄 Official air renewal (OTA) — if available.
• 📱 Manual Update through Settings → The phone. → System update (download firmware from en.miui.com).
• 💻 Mi Flash Tool for experienced users.

Method 2: Magisk and SafeNet Fix module

For advanced users who are ready to get root rights:

1. Unlock the bootloader through the Mi Unlock Tool.
2. Install custom recovery (such as TWRP).
3. Sweep through Magisk to get root.
4. Install Universal SafetyNet Fix via Magisk.
5. Reboot the device and repeat the map binding.

⚠️ Attention! Unlocking the bootloader and obtaining root rights will void the warranty on the device and may lead to unstable system operation.

Method 3: Alternative payment systems

If none of these methods worked, consider:

• 💳 Samsung Pay – works with some Xiaomi through unofficial APK.
• 📱 Mir Pay supports most Russian banks, including Sberbank.
• 🔄 Virtual cards (for example, via Revolut or Tinkoff).

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Before you firmware, back up your data via Settings → Additional → Backup and Reset. This will save your contacts, SMS and application settings.

Default payment setting

Once the card is successfully linked, you need to configure Redmi Note 9 so that payments are automatically made when you move to the terminal.

1. Open Settings → Applications → Applications by default.
2. Select the default payment option.
3. Specify the application through which you want to pay (SberBank Online or Google Pay).

If there is no option, check:

• 🔄 Activated? NFC and HCE Wallet in the settings.
• 📱 Is the Sberbank application updated to the latest version.
• 🛠️ Is there any restrictions from the bank (for example, locking by geolocation).

It is also recommended to disable the energy saving mode for payment applications:

1. Go to Settings → Battery and Performance → Application Power Management.
2. Find SberBank Online or Google Pay and select Without Limits.

💡

If the terminal doesn’t read the payment the first time, try bringing the phone to the top of the terminal – that’s where it’s usually located. NFC-reader.

Security NFC-Payments: What you need to know

Contactless payments are convenient but require a heightened focus on security, and here are the key points to avoid fraud:

Additional precautions:

• 🔒 Set a limit on contactless payments in your card settings (e.g. 1000–3000) ₽ single-operation).
• 📱 Enable payment notifications in SberBank Online to see write-offs immediately.
• 🛡️ Check your transaction history periodically for suspicious transactions.

⚠️ Never keep PIN codes and CVV note-card SMS Fraudsters can access them through malware or data leakage.

Frequent errors and their elimination

Even after you set up the NFC correctly on the Redmi Note 9, users are still experiencing some bugs, and let's look at the most common ones and how to fix them.

If none of these methods worked, try:

• 🔄 Reboot the phone.
• 📱 Remove and add the card to the payment application.
• 🛠️ Reset network settings (Settings) → System system → Resetting settings → Resetting Wi-Fi, Mobile Network and Bluetooth).

In extreme cases, contact Sberbank with the phone model and firmware version, and sometimes the bank can unlock payments manually after checking.

FAQ: Answers to Frequent Questions