Hi PipsCraigg,
Welcome to the Apple Community.
Wondering if you are also signed in to your iPhone with your Apple ID
Sign in with your Apple ID - Apple Support
Else:
It seems Apple requires a valid payment method in your Apple ID account,
this is just for the first time you use the App Store, or iTunes, and even if you only download free apps.
If this is the issue:
Apple support have articles online (links below) that may help.
Check the payment methods that you can use with your Apple ID:
(Scroll down to find your country or region)
Payment methods that you can use with your Apple ID - Apple Support
Then: Add a payment method to your Apple ID - Apple Support
How to: Get apps in the App Store on iPhone – Apple Support
________________________________________________
Troubleshooting if needed:
If you can't open the App Store or iTunes Store, buy content, or edit payment information - Apple Support
If you can’t download or update apps on your iPhone or iPad – Apple Support
If your payment method has been declined in the App Store or iTunes Store – Apple Support
App Store Support Website
App Store - Official Apple Support
All the best :-)