Add us cards to Apple wallet while in uk?

The first is delete your VPN and remove all VPN software and the profile they installed in your Settings app. After deleting the above, reset your Network Settings. Once that is done, try adding a card to Apple Wallet just once. It’ll either add to your Wallet or be declined by your bank. If it is declined, please reply with the specific error message you received.

Remember, VPN is a preferred tool of scammers, fraudsters and hackers.

I understand you’re looking for a solution and I’m going to recommend the most common solutions first.

Did you reset your Network settings or not? The next option is to contact the issuing bank’s fraud team and determine if being overseas is an issue.

This is very problematic. Why? Fraudsters are typically overseas, use a VPN, and banks use your devices location and block authorizing your card. The “wildcard” in the authorization process is the Payment Network Operator (Visa, Mastercard, American Express etc.) that can block adding your card to Apple Wallet.