Just opened a monzo account after they originally rejected me emailed them to ask again and was opened not long after sending a selfie with id. Anyway I’m u able to add my card to Apple Pay comes up with this message anybody had a similar problem?
No have tried ringing them?
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No did send them a message in app and they forwarded it onto a specialist but thought I’d ask here to see if anyone else had the problem
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Some people have had similar problems with various banks.
The exact reasoning behind it is kept secret to avoid reverse-engineering by fraudsters, but it seems that Apple and Google, in conjunction with Visa and Mastercard, apply some kind of risk-analysis to generate a trust score, of sorts, which dictates whether you can add your card or not.
New accounts, where you have never used the card with Chip and PIN (and thus proved it’s arrived at your address and is in the possession of the rightful owner) or adding the same card to secondary devices are the sort of situations where you are more likely to face problems.
Often there is little banks will do except suggest you try again later, as only senior staff are authorised to override the automated processes of Mastercard and Visa.
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Thanks that makes sense
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There’s also a limit to the number of cards you can have active in Apple Pay; could you have hit that limit?
As a current sufferer of said condition, I wonder if that’s the sticking point for me. 
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No as doesn’t even get to the point of adding the card the error is on Monzo’s side as says it’s unable to retrieve the card details
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I think it’s likely to be.
I would try using the card with Chip & PIN, waiting about 2 weeks and then removing + re-adding the card.
At that point, it may offer text verification when it didn’t previously. I once had that experience with a Nationwide credit card (although in my case, it was already added to my phone and wanting to add it to my MacBook Pro where I ran in to trouble - yours is similar in a “second device” being involved, but in your case it’s your watch; I was once told by somebody at Co-op bank that the system was very sensitive about adding the same account to two (or more) devices, I also later heard the same from American Express.
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