I go to see my family about 4 or 5 times each year, and I always withdraw Euro from the same cash point (my parents bank, just round the corner from my house), so that's quite a regular pattern for my card. Few weeks ago they froze my card while withdrawing from there. I had to phone from my mobile as well, and they said as far as they could see, there was no problem with it. But it still wouldn't work. I came back to UK, and again in Luton my card was rejected (I had forgotten about it and tried to use it again... :-> ) I then tried to withdraw cash at my branch, just before going in for my appointment with them, and it worked!!! And when I went in and asked explanations, they said I have to tell them each and every time I go abroad... So there you are, also Luton airport is "abroad"!!!