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It happened to me 4 times before. The last time I went to withdraw some cash and the next day it turns out that some people were buying themselves shoes in Berlin. I always got my money back though. I'm not sure what it's like for other banks, but Halifax made the process of getting your money back easier by refunding your account up to £300 without asking you to report the crime to the cops. They do that for you. If they nicked more than that amount from your account you'll have to report it to the police first and then you go to see them.
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