My phone wont let me download any app

If one or more of the following 6 options are true then you can't choose None as a payment method then the Billing information is needed . The "None" option will not appear...

1. If you have an unpaid balance or payment due
2. If you have a subscription that automatically renews
3. If you're using the iTunes Store or App Store for the first time
4. If you are not in the country or region you’re creating an Apple ID for
5. If you changed your country or region
6. If you're a part of Family Sharing

Based on your country of residence and country you have selected under your Apple ID --> Payment methods that you can use with your Apple ID - Apple ...

Have you a Debit/Credit card that is issued to you that is valid internationally and is from the same Country / Region as your Apple ID.

Know it here --> If your payment method is declined in the App Store or iTunes ...

Check the following

1. The payment method that you are adding is of the same country as that of App Store Country on your iPhone
2. You have a valid payment plan debit/credit card from an authorised bank from the same country
3. Payment methods that you can use with your Apple ID - Apple Support
4. Learn more about family purchases and payments.
5. Please check if your Debit/Credit card is valid internationally

If you can't download, make purchases or update apps, including free apps, you need to update your payment method or add a new one. If you already verified that a payment method is available in your country or region and you're still having trouble, learn more.

You may need to have a valid payment method on file, even if the app you want to download is free.

You can have a credit card / debit card on file and an Apple Account balance.

If you have set your Apple Account balance as your default payment method, your default payment method will be used first by Apple when you need to make a payment.

Both of your payment method failed.

1.

You use mobile phone billing as an Apple ID payment method and you have insufficient funds

You need to add funds to you SIM card balance, contact your carrier.

2.

Gcash also failed, check here -> https://help.gcash.com/hc/en-us/articles/900006222943-How-can-I-purchase-and-pay-at-Apple-Store-using-GCash-

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You can provide a new payment method.

See -> Add a payment method to your Apple ID -> Add a payment method to your Apple ID – Apple Support (UK)

See also -> Payment methods you can use with your Apple ID

Payment methods you can use with your Apple ID – Apple Support (UK)

fyi: Not all credit & debit cards seem to work with App Store / iTunes Store, try a different one, or preferably a credit card.

If your card is not accepted as a paymenf method, you need to contact your bank.

If you don't have a credit card or don't want to use a credit card, you can also use your Apple Account balance as payment method.

See -> Add money to your Apple Account balance

Add money to your Apple Account balance - Apple Support

Where to buy a physical Apple Gift Card or App Store & iTunes gift card: actually, you can buy an Apple gift card at many places, at an Apple Store or an Apple Authorized Reseller in your region.

See also this Apple article:  If you can't redeem your Apple Gift Card or App Store & iTunes Gift Card

If you can't redeem your Apple Gift Card or App Store & iTunes Gift Card - Apple Support

Beware of -> About Gift Card Scams -> About Gift Card Scams - Official Apple Support 

If you have followed all the steps and instructions and if you still need help, get support from Apple directly -> Get Support or call Apple in your region see -> Contact Apple for support and service or check -> here for more support and assistance.