Unfortunately it’s not always as easy. Last year I tried to do a remittance of 3500€ and it failed on both a debit and credit card of my bank, blocking them. The bank called me to confirm the transactions, which I did. I tried again and they blocked the card again.

So I did an instant transfer to another bank account and used its debit card without a hitch, as usual.

Some banks just won’t let you use your money as you please. Your luck is in finding a bank that does.