this post was submitted on 13 May 2026
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You will not be able to use NFC for payments. In my case, it didn't work for public transit cards either. That's the only thing stopping me from switching.
Damn. Well, thus ends this excursion. At least I didn't end up in Iran first.
Is it really that big of a sacrifice to carry a few cards?
Some "cards" are NFC-only
Yes and?
Personally, I could do without Google Wallet. I usually carry my credit card and ID around with me. However, Chicago's CTA system has a pretty good mobile app and it's easier to manage your passes and fare that way.
After ten years of being able to only carry my iPhone, it felt like quite a regression going back to carrying my wallet after I got a Pixel and put Graphene on it. That and not having face unlock any more made me feel like maybe I'd made a mistake. But I got over it soon enough.
Not exactly true.
I run GrapheneOS and can use NFC payments. You just need the right app and provider.
In the UK there's Curve and in Europe there are a number of banks that have apps that can provide the requisite functionality.
Be aware that if you fail the ID check for Curve (which I somehow managed to do) they'll essentially just ghost you without offering the opportunity to try again. I've tried a few times to get someone from their customer service to help me sort it out, but it always fizzles out after a couple of messages.
As an alternative, I use Monzo with a Garmin watch. It's not perfect because I have to transfer any money I want available from my bank to Monzo, but once I've done that it's easy enough to access on my watch. All in all, I mostly carry my bank card in a magsafe wallet, but it's handy to have payments on my watch in a pinch.
I failed the check first time too. I persevered with their, admittedly terrible (at the time), customer service. I had to resort to using X to grab their attention.
Now that they're part of Lloyds I would hope the support to get better but, luckily, I've not had to deal with them recently.
I also bank with Monzo, if that's worth adding.