Hi Tony, thanks for the clarification. And good to know. 
As for the difference between the website and the app (where all my doubts started) I can’t make a screenshot anymore because today I used a credit card to top up and now I have the choice in both the app and the web. But I’ll try: before with only one choice I would have had this message on the web telling me where the money were going:
While on the app I would have had this one saying nothing so not knowing where the money would have been transferred:
Now I’m gonna clarify why I say “without knowing where the money were going” even tho it can go to only one card:
Basically these months I used two cards to fund the account (both trough Apple Pay) and the one I used the most is my main card from my daily bank which is Dutch and here in The Netherlands the main cards issued by the banks are Maestro with only the IBAN and not the 16 digit numbers. So using Apple Pay I can fund the account with that card but I cannot use it to withdraw money.
I think this is really a particular problem that is not common (here in The Netherlands is the only place where I’ve seen their so called PInpass where you only have IBAN and no 16 digit numbers).
So going back to the “suggestion and ideas” is to see the card where you will be funded also in the app like in the web (even tho you only used one for example).
While for the card I can’t use to withdraw I assume is because of what I said before. But if you could confirm it would be great.
I hope I’ve been clear with what I meant. Thanks for your time.