You usually need a payment method -
You usually need a functioning payment method for your account. Even to download free apps, to re-download or to update apps.
You can find the acceptable payment methods for your country here;
Payment methods that you can use with your Apple ID - Apple Support
If your account has been frozen because of a defaulted payment, you need to speak to Apple Support to resolve the issue.
World-wide Apple Support -
Contact Apple for support and service - Apple Support
M1 Mac mini, macOS 14.5; Watch, series 7 GPS/cellular, watchOS 10.5; iPhone 12 Pro, iOS 17.5; TV 4th Gen, tvOS 17.5; HomePods, audioOS 17.5 and Airport Express w/ Airplay 2