Is there anyway you can see the RBS card online? You might be able to view the pin - I can for my MBNA and Amex cards.My new RBS card arrived just now, added and verified with Apple Pay within minutes! Not got my PIN number yet, wonder if it will still work.. I know sometimes you need to use your PIN once to activate contactless pay.
Pay for 4 days now - no problems what so ever - starting to feel more confident about leaving debit card at home - Used in McDonalds, KFC, Lidl, Greggs and Superdrug and it is so quick