Let me share something I learned with Garmin pay, this silly thing does not work, or practically none of the UK banks accept Garmin pay
So, the work around was, I created an account with Starling Bank
This was a blessing in disguised, because, I regularly top up my Starling account and for every online rubbish, or practically any shopping, I use this and my real Master account with bank, A or B are safe.
And the Starling service, customer service and the App.. All fantastic
Samsung pay works perfectly too