The move is targeted explicitly at consumers who are unbanked, underbanked or otherwise excluded from mainstream financial products. DOSH is credit-check-free and carries no overdraft facility, positioning it as a spending-control tool rather than a credit instrument. The Google Pay integration gives those customers access to the same contactless payment rails used widely across the UK without requiring them to hold a current account at a high-street bank.

Tony Killeen, founder and entrepreneur of allpay, said: “People who are unbanked, underbanked or financially excluded should not be left with fewer choices or outdated ways to pay. Bringing Google Pay to DOSH helps open a modern payment experience while preserving the control and transparency that our customers value.”

From a technical standpoint, the integration uses Google Pay’s standard tokenisation model: the customer’s physical card number is not transmitted to the retailer at the point of sale. Instead, a device-specific token handles the transaction, adding a layer of protection that is comparable to what a standard bank-issued debit card provides through the same wallet. This matters for the target demographic, where loss of a physical card can cause acute disruption to day-to-day spending.

The DOSH account also supports real-time push notifications and an in-app card lock, features that complement the digital wallet by keeping the customer in control of a balance that cannot go negative. Cash access remains available through up to 11,500 Post Office branches across the UK, which sustains optionality for customers who move between digital and cash-based spending.

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