For me, it's security is questionable. Had to pay for a pc at pcw last week, presented my physical business card for contactless, but had my phone in my other hand. The phone was switched on, but the app wasn't open, yet the card machine debited my Google Pay Card ( my personal RBS card). I've always poo poo'd the need for card screening wallets, but am defo revising my opinion and also whether to even have the app on my phone now. Definitely unhappy about this.