Reading between the lines a little bit here, it sounds like you're a digital nomad of sorts, with an EU bank account, and are attempting to pay "household bills

Reading between the lines a little bit here, it sounds like you're a digital nomad of sorts, with an EU bank account, and are attempting to pay "household bills" in a foreign country using details that don't quite add up. If so, surely you can see that you are likely to be an absolute outlier and how your behaviour is likely almost indecipherable from actual fraud, unless you tell your bank your not actually living in the country (at which point presumably they close your account which is why you're doing this in the first place). > I'm talking about normal banks, fintech banks, such as Revolut, are actually pretty good. My bank accounts are NatWest and starling and CC's are Amex and NatWest - pretty traditional.