I made a fairly large purchase today (Christmas shopping already). I approved the transaction through 3DS but I then got a message online saying that the retailer had cancelled the order (and to check the billing address). My first thought was yikes the money has left my account and I don’t have enough funds to make the payment again and wait for the funds to be released.
However through the app I was able to request a reversal on the payment and the funds were released back into my account instantly.
Now that is smart banking