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But there are Steam QR emoticons...
Why not set up paypal?
You should ask support about it.
You can use Paypal without creditcard, you can link your bankaccount.
https://steamcommunity.com/discussions/forum/1/1681441347890398913/#c1679190184054239113
did you change your phone number or lose access to app?
until then you can buy steam wallet card at any albert heijn and dekamarkt.