How to link a bank card to a Xiaomi Redmi 9 phone: all ways 2026

Linking a bank card to a smartphone Xiaomi Redmi 9 It allows you to access contactless payments, fast transfers and financial management directly from the device screen, but many users face difficulties: the application does not support the bank, then there are verification errors, it is unclear which service to choose — MIUI Wallet, Google Pay or Mi Pay. In this article, we will analyze all the current ways of linking cards to Redmi 9 sensing MIUI 12/13/14 and the requirements of Russian banks in 2026 year.

It is important to understand that the process depends on three factors: the version of the operating system on the phone, the type of bank card (debit / credit, Mastercard/Visa/Mir) And the region of release of the device. 9 global-fixed (MIUI Global) available in Google Pay and in Chinese (MIUI China) — Mi Pay only. We will consider all options, including workarounds for informal firmware and solutions to verification problems through the Internet. SMS.

1. Preparation of Xiaomi Redmi 9 phone to be map-bound

Before adding a credit card, you need to make sure that the smartphone meets the technical requirements of payment systems.

• 📱 Version. MIUI: Minimum requirement MIUI 11 (for Google Pay) or MIUI 12 (for) MIUI You can check the version in Settings. → The phone. → Version. MIUI.
• 🔒 Screen lock: Must be installed PIN-If you don't have a card, a pattern lock, or a fingerprint, you won't be able to add a card without it.
• 📶 Internet connection: A stable connection (Wi-Fi or mobile Internet) will be required to verify the card).
• 📌 Mi Account Region: If your phone is linked to a Chinese Xiaomi account, some services (such as Google Pay) may be blocked.

Pay special attention to security settings, for example, if you use Google Pay, your phone must be certified by Google Mobile Services (GMS). This service is often not available on Redmi 9’s Chinese firmware, and you will need to manually install it via Google Installer (instruction below).

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If your Redmi 9 doesn’t pass the compatibility check in Google Pay, try resetting your Settings. → Annexes → Application management → Google Play Services → Warehouse → Clearing the data. This often solves the problem of certification.

Also check if your bank supports contactless payments through the chosen service. for example, Sberbank and Tinkoff work with Google Pay and Google Pay. MIUI Wallet and VTB may require the installation of its own application VTB Online.

2. Method 1: Linking the card through MIUI Wallet (official method)

MIUI Wallet is an integrated application in Xiaomi firmware that supports Mastercard, Visa and Mir cards (for Russian users).This method works on all versions of Redmi 9, including models with global and Chinese firmware.

Instructions for adding a map:

1. Open the Wallet app (the wallet icon on the home screen or in the app menu).
2. Press Add map Add map → Choose the type of card (bank card).
3. Scan the card with the camera or enter the data manually: number, expiration date, CVC-code.
4. Confirm the addition through SMS (A code from the bank will come or a push notification in a mobile bank.
5. Create a short pin code for payments (not to be confused with a screen lock pin!).

If the application MIUI Wallet is not on your Redmi 9, it can be installed manually:

• 🔹 Download. APK-file from the official APKCombo website (select the version for your region).
• 🔹 Allow installation from unknown sources: Settings → Annexes → Special rights → Installation of unknown applications.
• 🔹 Install. APK and reboot the phone.

Install the latest version MIUI Wallet

Check the balance on the card (minimum 100)₽ verify)

Connect your mobile bank to your phone number

Shut down. VPN (can block SMS)-->

Important: On Chinese firmware Redmi 9 (for example, MIUI China 12.5) MIUI Wallet may not support Russian banks, in which case use Google Pay or Mi Pay with workarounds (see next section).

3. Method 2: Google Pay binding (for global firmware)

Google Pay is a universal contactless payment solution, but on Xiaomi Redmi 9 it only works if two conditions are met:

1. The phone has a global firmware (MIUI Global) with Google services pre-installed.
2. The device has been certified by Google Mobile Services (GMS) (checks in the settings → Google → Device certified).

If the conditions are met, follow the instructions:

• 📱 Open the Google Pay app (if not, install it from the Play Market).
• 💳 Press Add map Add map → Bank card.
• 📸 Scan the map or enter the data manually.
• 🔐 Confirm the addition through SMS or push notification from the bank.
• 🔑 Create a PIN for payments (it will be requested at each payment).

If Google Pay gives you an error called “Device not certified,” try the following steps:

1. Delete your Google account and add it again.
2. Clear the Google Play Services data (see tip above).
3. Install Magisk and Universal SafetyNet Fix (requires root rights).

Google Pay

MIUI Wallet

Mi Pay

Banking application (Sberbank Online, Tinkoff, etc.)

I do not use contactless payments.-->

For users with Chinese firmware (MIUI China) has a workaround:

1. Install Google Installer (for example, from here).
2. Start the installer and wait for Google Play Services to download.
3. Restart your phone and try adding the card to Google Pay again.

4. Method 3: Binding via Mi Pay (an alternative to Chinese firmware)

Mi Pay is a payment service from Xiaomi that even runs on Chinese firmware, but in 2026 it supports a limited list of banks (mostly Chinese and some international), which is suitable for Russian users if:

• 🏦 Your bank officially cooperates with Mi Pay (for example, Tinkoff or Alfa Bank in some regions).
• 📱 You have the latest version of the app installed (updated via Mi App Store).

Instructions for adding a map:

1. Open Mi Pay (if not, install from the Mi App Store or APKPure).
2. Select Add a map → state of the country (for example, Russia).
3. Enter the card details or scan it.
4. Confirm the operation via SMS or push notification.

If your bank doesn’t appear on the list of supported banks, try:

• 🔄 Update the Mi Pay app to the latest version.
• 🌍 Change the region in your phone settings to India or Singapore (sometimes this opens up access to additional banks).
• 📧 Write in support of the bank with a request to add support for Mi Pay.

5. Solving common errors when linking the card

Even if you follow the instructions correctly, users of Xiaomi Redmi 9 often encounter errors.

If none of the methods worked, check the following points:

• 📵 SIM-Card: The card must be from the same operator to which the mobile bank number is linked.
• 🔄 Updates: Install the latest updates to MIUI, Google Play Services and Payment Applications.
• 🛡️ Antivirus: Some antiviruses (e.g. Avast) block payment transactions.

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If you’re using Chinese firmware on Redmi 9, the most reliable way to link a card is to install Google Pay via Google Installer or to flash your phone to a global network. MIUI.

6.Security: How to Protect Your Linked Card

Linking a credit card to a phone always carries risks, and to minimize them, follow these guidelines:

• 🔐 Set a complex pin to lock the screen (at least 6 digits). Avoid simple combinations like 123456 or date of birth.
• 🚫 Turn off autocomplete for payment applications in the browser.
• 📱 Set up a remote lock through Settings → Google → Security → Find the device.
• 🔄 Update regularly MIUI Payment applications (updates often close vulnerabilities).

Pay special attention to the settings MIUI Wallet or Google Pay:

• 🛡️ Enable two-factor authentication for your Xiaomi or Google account.
• 📵 Turn it off. NFC in settings when you are not using contactless payments (Settings) → Connection and sharing → NFC).
• 🔍 Check the transaction history of the mobile bank after each card peg.

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If you lose your phone with a linked card, immediately lock it through a mobile bank or bank service (for example, by number). 900 Also remove the device from the trusted list in your Google account (myaccount.google.com/security).

Do not store screenshots of card data on your phone or SMS For additional protection, install an application for file encryption, such as Cryptomator or KEEPSAFE.

7. Alternative payment methods with Xiaomi Redmi 9

If you can’t link the card directly, consider alternative payment methods via smartphone:

• 🏦 Most Russian banks (Sberbank, Tinkoff, VTB) support contactless payments through their mobile applications, for example, in Sberbank Online you can link the card to Apple Pay or Google Pay even on uncertified devices.
• 💳 Virtual Cards: Services like Revolut or Tinkoff Black allow you to create virtual cards for secure payments.
• 🔄 QIWI Yandex.Money: Link the card to an e-wallet, and then pay through their applications.
• 📱 Samsung Pay: If you have a Samsung watch or fitness bracelet, you can tie the card to it and pay via phone (requires installing the Samsung Pay app).

For users who travel frequently, it is useful to know:

• 🌍 Mir cards do not work abroad, but they can be linked to the MIUI Wallet for payment in Russia.
• 💱 Some banks (such as Tinkoff) allow you to issue additional cards in currency (USD/EUR) travel.

8. Frequent Questions and Answers (FAQ)