I've just checked my software version in my S23U from EE and it's the same as above but the phone I bought A54 5G from Argos has a different software version but EUX instead? I'm not aware of any brand specific software on either my S23U or the A54? Is it not just a way of identifying the supplier where the phone was supplied rather than being different firmware?
My bank was the Halifax, the old card used to work but it stopped when I had to reinstall apps etc when I reverted back from the beta, since then I went to Google pay. I've never heard of a Samsung card. I remember Curve coming along which was a bit confusing as it was unclear why there would be 2 aaps for one pay app? I found it much simpler to use Google pay as it's got my various bank cards saved so I just choose which card to pay with and tap. I did like Samsung pay but figured I'd wait to see if they set up new agreements with the banks to support the app. I'll do some research on Samsung pay card
The Samsung Pay plus card has its advantages like linking it to multiple cards and switching which account you paid for something with after you paid for it. Also has promotions from time to time, but the main advantage is that the Samsung Pay plus card works with any bank card. Shared the link on a previous message.