Same thing happened to me in Croatia 4 years ago, phone and tell it to your bank inmediately!
I had all my money back (after spending about 80 euros on phone calls). In fact, it was only blocked, not taken away.
After that I really prefear to use cash and an ATM only when it is strictly necessary.
I had also some accidents in Spain before: I withdrew 20 euros, but was given only 5 and the nasty guys from the bank told me that they couldn't do anything!!!
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