Tried mine at a cashpoint today and it worked all of a sudden. I had tried so many I really didn't expect it to. The lady at Nationwide had promised to call me back when the situation was resolved, but she never did. I think the trick is to try it at lots of different banks, though having said that I had been denied at the same bank only ...

I am in Poland, Krakow, just spent an afternoon going between cashpoints and banks getting 'transaction denied' messages and bemused expressions from bank staff. Called Nationwide, as you say they seem pretty unconcerned about it, despite having told me categorically in London that I would be able to withdraw money in Poland. Bad form ...