Similar thing happened to me a few years ago. It was a savings account but one I occasionally dipped into for present buying or similar. I had used it to purchase a gift voucher for a friend, over the phone . That all went through smoothly but weeks later , for some reason I decided to check my account and discovered I had been hacked ! It was incredible, restaurants, car hire, off licence. I was distraught. Halifax were very good and reimbursed me in full. I was able to prove I was at a wedding all day the day of the car hire plus it was in a different country ! It made me very wary and I check regulary now.