Hey @deltatux, the NFC feature works without sim card. BUT, to use the banking apps to tap and pay, they require both the NFC enabled device, as well as an NFC sim card.
Its probably for our own security so only one device with the identity verified sim card is able to authorize tap payment.. so that your payment apps can't be cloned to another device by hackers.. or if your phone is lost/stolen, as soon as you call the phone provider and disable that sim card, the payment app becomes useless.
