Garmin Wallet

Hi

I recently purchased the Forerunner 965, which has been superb so far.

However, I’ve tried setting up access to the Garmin Wallet, which I thought I’d managed to do, however, it’s asking me for a passcode. I don’t actually know what this is and when I’ve looked into it, it seems I should’ve set this up as part of adding my card details. However, when I did add my details, at no point was I asked to create a PIN code. My Garmin Wallet request has been accepted by my bank (Santander) because I’ve received an email from them confirming this. As a result, I’m not sure what I’ve done wrong…if anything at all.

can anyone help with this issue please?

Thanks