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You cant really buy steam cards like you can nintendo so the only option is to wait forever for steam to fix their payment servers etc.
Sorry its not really helpful, but atleast you're not alone with this problem, and as said your bank should give that money back in around a week.
Edit: Use the web browser version of steam (chrome worked for me) as it allowed me to buy stuff. So there is definately a problem with the apps payment authentication process.
If I were you, I’d just take the L and never use the mobile app for purchasing again. I don’t think they’ll fix it soon as they seem to be trying to swipe it under the rug. You’ll get your money back but Steam can’t do anything about it or make it faster, it’s all up to how your bank processes things behind the scenes.
I made a post about it: https://steamcommunity.com/discussions/forum/8/3801650561765462924/
If you have time, please comment on it so it can stay near the top for others to see. Hopefully if it gets enough comments they will acknowledge it publicly and do something about it.