Samsung Wallet vs. Google Wallet

For years, Google Pay and Samsung Pay have competed against one another. Then Google rebranded Google Pay to Google Wallet, only for Samsung to do the same with Samsung Wallet about a month later. Both now offer digital passes as well as their original payment systems; and for Samsung phone owners, you can download both. So when it comes to Google Wallet vs. Samsung Wallet, we'll break down the similarities and differences so you know which one to pick.

Google Wallet vs. Samsung Wallet: Availability

Google Wallet availability

(Image credit: Google)

Samsung Wallet launched in mid-June, while Google Wallet arrived in mid-July. However, Google's new payment app is available in more places and on more devices.

Google Wallet is available in over 40 countries (listed at that link), provided you have an Android phone with NFC support. It's also available on Wear OS watches for easy tap-to-pay, including the Samsung Galaxy Watch 5 — even though its default payment app is Samsung Pay. It'll even come to new Fitbit watches.

As for Samsung Wallet, it's specifically available through the Galaxy Store, which means you'll only be able to download it on Samsung phones. It's also the default tap-to-pay option on Samsung's watches like the Galaxy Watch 4 and Galaxy Watch 5 Pro.

Samsung Wallet is only available in six countries: France, Germany, Italy, Spain, the U.K., and the U.S. So for many of you, these restrictions mean you can't use Samsung Wallet at all, making this breakdown moot.

Google Wallet vs. Samsung Wallet: Pay changes

Samsung Pay Galaxy Watch 4 Closeup

Samsung Pay on the Galaxy Watch 4 (Image credit: Ara Wagoner / Android Central)

As we'll discuss below, Google and Samsung largely added the same "wallet" features when rebranding Google Pay and Samsung Pay. So to compare the two apps, it makes more sense to focus first on how they differ for payments rather than the new ancillary tools.

The most obvious shared trait is that both Google Wallet and Samsung Wallet let you store credit cards, debit cards, bank accounts, Paypal, and other financial info for NFC tap-to-pay in physical store locations that support Google Pay or Samsung Pay now. It sounds confusing, but basically, you should consider Pay as a feature of Wallet now, rather than its own app.

For the most part, both services should accept the same banks and credit card companies, so you can choose either. And on a similar note, most physical stores will either accept both Google Pay and Samsung Pay or neither. 

So you can safely choose whichever you prefer and get most of the same tools, assuming you own a Samsung device that supports both.

You shouldn't be surprised that Samsung Wallet shares most of its features with Google Wallet — though it has some niche extras.

Where Google Pay has the edge is with online payments. You'll often find Google Pay as a checkout option on certain storefronts, and if you use Chrome, you'll see the prompt to auto-populate payment fields with your stored Google Pay cards. Samsung Pay, on the other hand, doesn't have the same kind of reach outside of Samsung's own stores.

Google Pay offered peer-to-peer payments in certain countries, but that feature won't transfer over to Google Wallet. It'll remain as a separate Pay app in the United States and Singapore, meaning you'll need to have two separate apps downloaded.

Samsung used to have a leg up with Magnetic Secure Transmission (MST), a payment method that used your phone like the magnetic strip found on credit cards. But Samsung didn't include it on the Galaxy S22 and didn't support it on the U.S.-based Galaxy S21, essentially abandoning the feature moving forward. 

Some people argued that MST's death was a good thing, but it took away one of Samsung Pay's only distinct features. Similarly, Google could've given Google Pay the edge by offering Plex bank accounts that bypassed traditional banks, but eventually abandoned the idea. Now, Google and Samsung are more focused on bringing other tools to the app besides payment-based ones.

Google Wallet vs. Samsung Wallet: Competing features

Menu to add a payment card, transit pass, loyalty card, or gift card to Google Wallet

(Image credit: Michael Hicks / Android Central)

Samsung is often in step with Google when it comes to releasing new features to its phones, so you shouldn't be surprised that Samsung Wallet shares most of its features with Google Wallet — though it has some niche extras.

Both mobile giants added the following tools at launch: loyalty and membership cards, gift cards, boarding passes, digital car keys for participating brands like BMW and Hyundai, and vaccination cards. 

As for future features, both Wallet apps will work to add digital IDs and driver's licenses starting in 2022. But Google will likely prioritize American IDs first, while Samsung will start with South Korean IDs.

The Android OS itself supports stored pass data and tap-to-show functionality, so it makes sense the two apps would offer the same tools. The same applies to digital driver's licenses and IDs: The delay is less about the technology, and more about states and nations accepting digital identification as valid. And these governments would likely approve the feature across Google, Samsung, and Apple Wallets all at once, rather than exclusively for one.

Covid-19 vaccination card on a Google Pixel 6 Pro

(Image credit: Nick Sutrich / Android Central)

As for where they differ, Samsung Wallet incorporates Samsung Pass to store and populate your passwords after biometric authentication on your Samsung phone. Google also offers auto-password tools outside of Wallet, so you're not missing anything. Plus, there are many third-party password managers you can use.

Samsung also incorporated its "Blockchain Wallet" so you can monitor cryptocurrencies right through the Wallet, something Google doesn't offer as of yet. The supported list includes Bitcoin, Ethereum, ERC tokens, Tron (TRX), and TRC tokens. If you're someone who cares about crypto and wants to check your balances in the same place you check your bank accounts, this might appeal to you.

Lastly, Samsung Wallet has cash-back rewards that you can earn by making purchases on your phone through the app for supported merchants. That's something Google Pay continues to offer, but not Google Wallet. 

As for Google-exclusive features, Google Wallet incorporates parking passes, hotel room keys, and transit passes — all features that Samsung Wallet might add in the future, but weren't mentioned in its press release.

Google Wallet vs. Samsung Wallet: Which should you use?

Samsung Pay and Samsung Wallet with Galaxy Z Fold 4 and Galaxy Watch 5 Pro

(Image credit: Andrew Myrick / Android Central)

If you mainly use Samsung devices, you can make the case to use Samsung Wallet over Google Wallet. The One UI OS incorporates both apps, but Samsung Wallet works more easily on the Galaxy Store and gives you rewards for future Samsung device purchases. Given Samsung makes many of the best Android phones, many of you will fall into this category.

Unless you're really interested in cryptocurrency or use an older Galaxy phone with MST support, Samsung Wallet doesn't have enough exclusive perks in our mind. Using Google Wallet means your payment data will remain up to date if you ever switch from Samsung to another Android brand, and Google Pay's availability for online payments may prove just as useful as physical tap-to-pay in stores. 

Otherwise, both Wallet apps store the same financial and personal data, so you can't really go wrong with either.

Michael L Hicks
Senior Editor, VR/AR and fitness

Michael spent years freelancing on every tech topic under the sun before settling down on the real exciting stuff: virtual reality, fitness wearables, gaming, and how tech intersects with our world. He's a semi-reformed Apple-to-Android user who loves running, D&D, and Star Wars. Find him on Twitter at @Michael_L_Hicks.