Upgrading Mobile


Jan 20, 2021
Hello all, i'm a newby and i have a Mi Redmi K30 5G on which currently MIUI version 20.12.10 Beta is running and i think with TPRW??
what is the easiest and quickest way to update this device to latest reliable version?
should i have a Fastboot ROM image or a Flash boot rom ??
who can and will me help out here

i do this because the bank card will not be accepted by Google Wallet while NFC is still OK and working fine.

Thanks for all the help much appreciated already

Living in Netherlands so MIUI is dutch??