I've recently bought an S10 from Taiwan and it was all well and fine but I've noticed that some Bixby cards and in-app ads are in taiwanese. I've changed every language setting possible to English (i'm from the UK) and it still didn't fix the issue. What's worse I can't use my UK cards in Samsung Pay (i presume only taiwanese banks are accepted). Is this something that can be removed/fixed/unlocked or is this phone region locked for these kind of things?
The Phone is localised for Taiwan, and I'm afraid that you are stuck with the localisation, at most you can change some languages but support for a Taiwanese Phone goes effectively though Samsung Taiwan.