You don’t need to link your bank account to use Google Pay—you can just add a debit or credit card, though that will only work to pay merchants directly. If you want to use the app to send or request money, you will need to link a bank account.  If you don’t have a bank account at all, you can still use Google Pay. Instead of a credit or debit card, just link the platform to a prepaid card to make payments online and in store.