Not really: I once went overdrawn on a Debit card in the UK (because the country doesn’t really have its own payments network and uses others such as VISA, which was the one for my card) even though I had verbally agreed with them it would never happen and any such payments would just bounce (as I was used to the banking cards in my home country of Portugal which use a local banking network were no unarranged overdrafts can happen, as it’s designed from the ground up as a debit-only network for in person payments), it was an in person payment and I had more than enough money in my savings account.

They charged me £20 for it (if I remember it correctly). I was pissed off enough that I closed my accounts with them and moved banks.

Mind you, this was over 15 years ago.

Considering the amounts that passed through my accounts (and often stayed they for a good while) after that while I lived in the UK, they lost a ton of money by scamming those £20 from me.