But the story doesn’t end there. A year later, Diego got an email from Santander: “We’ve updated our fraud policies based on customer feedback. You can now verify your identity for card unblocking via video call.”
But Diego hadn’t been in two cities. The first transaction was in Salvador at 10am; the second was an attempted online payment for a flight ticket from São Paulo at 1pm UK time — which he never made. Someone had skimmed his card details at the first ATM. santander block card
He needed to withdraw Brazilian reais to pay his hostel in cash (as they didn’t accept cards). He found a Banco24Horas ATM, inserted his Santander card, and requested 600 BRL. The machine hummed, then displayed: “Transaction declined. Contact your bank.” But the story doesn’t end there
Strange, but maybe a temporary glitch. He tried another ATM. Same message. Then his phone buzzed — an SMS from Santander: “Suspicious activity detected. Your card has been temporarily blocked. Please call us.” Diego wasn’t overly worried. He had roaming data, so he called the UK fraud team via Skype. After 20 minutes on hold, an agent confirmed: “We saw two failed ATM attempts in Brazil. That triggered our system. I’ve unblocked your card now.” The first transaction was in Salvador at 10am;
His ordeal had inadvertently helped change the system. Always carry a backup card from a different bank, screenshot your banking app’s travel settings before you fly, and if Santander blocks your card abroad — check the app twice before making that expensive phone call.
Diego opened the app. There it was — a toggle he’d never noticed: “I am traveling and confirm these transactions.” He’d missed it because the app’s UI had changed two days before his flight.