Santander did these to me, Even though I use my brothers address. they sussed I lived in Thailand, First they asked for all my Thai details, Thai address Thai bank, etc. I returned these details, and even though they confirmed by e-mail that they had received them they stopped my account. That meant money can go in but not taken out,??? Using their Chat service on their phone app, they confirmed they were in the wrong, re-opened my account, apologised and gave me 75 pounds.
Since then all correspondence from them has come to my Thai address, which is when they asked for my Tax details. I returned these, but I still don't trust them.
So I now have all my pensions paid directly into my Thai bank. The rate is OK but not as good as Wise. I have since cleared my Santander account except for 1 penny.
The thing is I never opened a Santander account. I originally had an account with Girobank, taken over by Alliance and Leicester, taken over by Abbey National, taken over by Santander.