Apple is not a bank. Apple does not verify your identity. Only the issuing bank has the information necessary to verify your identity. Your bank has the wrong information for your account. Please reach out to the support team and request they update your primary contact information.
>>Adding additional verification
A card issuer can decide whether a credit or debit card requires additional verification. Depending on what’s offered by the card issuer, the user may be able to choose between different options for additional verification, such as a text message, email, customer service call or a method in an approved third-party app to complete the verification. For text messages or email, the user selects from contact information the issuer has on file.
A code is sent, which must be entered into Apple Wallet, Settings or the Apple Watch
app. For customer service or verification using an app, the issuer performs their own communication process.<<
Card provisioning security overview - Apple Support