[Redmi K20 Pro / Xiaomi Mi 9T Pro Questions & Answe] Robbo.5000:
OK, so just to clarify things to avoid future confusion.

Xiaomi label any MIUI version that is not Chinese as 'Global'. This is when you look in the about phone section and see MIUI x.y.z Global ROM. However this description covers 4 separate versions - India, EU/EEA, Russia and everywhere else (true Global).

In order to change region you need to flash the appropriate fastboot ROM. This is the official guide to flashing fastboot ROMs.

https://c.mi.com/oc/miuidownload/detail?guide=2

You will need to view the page in desktop mode on a mobile device, otherwise you'll just see a blank page.

The guide has download links for the latest versions for all devices, however it's probably easiest to find the ROM you want from here

Xiaomi Firmware Updater

The ultimate script that provides firmware packages for Xiaomi devices.

xiaomifirmwareupdater.com

Select the EEA fastboot ROM.

WARNING

You can not lock the bootloader of a Chinese phone when flashing a non-Chinese ROM. Trying to do this will hard brick the phone. See this from the official forums.

https://c.mi.com/thread-2584760-1-0.html

WARNING

The Mi Flash Tool default flashing option is to flash the ROM and lock the bootloader. If you do not pay attention when flashing you could easily hard brick the phone.

The Mi Flash Tool runs batch scripts contained in the ROM to flash the ROM. The easiest way to avoid bricking the phone is to manually delete the batch script from the ROM before running the tool.

In order to flash the fastboot ROM, it needs to be fully extracted. After extracting it browse the contents of the extracted folder. You'll see a bunch of .bat and .sh files.

Delete the flash-all-lock.bat and flash-all-lock.sh files before doing anything else. (Names of the files might not be exact but you'll know which ones I mean when you see them).

When running the Mi Flash Tool, before hitting the flash button, change the option at the bottom of the app to 'clean all'. If you leave it on the default option and you've deleted the batch scripts above then you'll only get an error that it can't find the batch file.

So now after updating to the EU ROM, you'll have NFC working, but you are still going to have a bunch of issues with financial and tap to pay apps. The security problems you've seen so far have not been around insecure software, but because the bootloader is unlocked, and this is still going to cause you problems. There is something called the SafetyNet test, within android, which fails when run on phones with an unlocked bootloader. Apps that care about security will call the test and fail to run if it fails. To get around these issues you will need to install Magisk. Currently Magisk can spoof the test to give a positive result.

You'll also need to setup Magisk to hide itself from apps that perform security checks before launching, such as financial apps.

Only download Magisk from the official source.

GitHub - topjohnwu/Magisk: The Magic Mask for Android

The Magic Mask for Android. Contribute to topjohnwu/Magisk development by creating an account on GitHub.

github.com

You should find all the info needed to set up Magisk within the documentation links.