Everyone, I'm sorry for replying late here but I been looking into this for a while and finally heard back from the Garmin UK Connect team.
We are sorry, but this time, Revolut is not a compatible…
I have an open support call with Garmin over this but I can tell you that I have no idea why Revolut are listed as a bank inthe UK when Revolut themselves told me
a) Garmin Support is in "beta"…
I had another reply today - so I think they're still at it. Perhaps send em a quick "hey guys, any news" type of thing. They talked me through generating a new Fitpay ID to try but no joy....…
Although, for physical cards the terminal may request a PIN above a certain limit, for digital cards like Garmin Pay and Apple Pay it is not the case, as you do the authentication on the device prior to the transaction. When you "digitize" your card (assign it to Garmin Pay) you also have to create a new PIN that you have to enter on the device before you can pay with it. In this sense, if you use your watch / phone for payment you always have to authenticate yourself, not just above a certain limit, however, the authentication is different from the original method (card's PIN). That's why you can assign even a virtual card to your Garmin Pay wallet even though it doesn't have a PIN.