I have exactly the same issue as others with an MNBA Visa card. I can add the card to my
Watch and my wife's iPhone but trying to add it to my iPhone results in this message:
Have been through fault finding with MBNA's
Pay team and they say everything is OK their end. They were supposed to escalate it internally and call me back, but I am still waiting. 

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Have been through fault finding with MBNA's

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