Hi ibrahim365apple,
welcome to the Apple Community.
Re: "Unable to add a card to Apple pay."
You might want to check whether your iPhone is compatible with Apple Pay
Devices compatible with Apple Pay – Apple Support
Your iPhone needs the newest iOS version installed in order to use Apple Pay
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You can check whether Apple Pay is supported in your country or region,
and also follow a link for a list of participating banks.
Countries and regions that support Apple Pay – Apple Support
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Re: There is no option in the banking app to verify the card.
You might want to contact your card issuer to see if they support Apple Pay.,
and if so, how to have your card verified so you can use it with Apple Pay.
Also, Apple support have an article online:
What to do: If you can't add a card to Apple Wallet to use with Apple Pay – Apple Support
All the best :-)