If it was me I wouldn’t reply to the email and if I was curious then i’d Make a phone call & speak to the bank directly!
They also have your phone number so they can also call you if it’s urgent!
My wife recently used my credit card for an overseas purchase where the bank called me immediately about the overseas purchase.
I tried to stop it as I couldn’t get hold of my wife to confirm this purchase & when I spoke to the bank they already said the payment went through.
So... I would expect your transaction/payment has already gone through so don’t justify to the bank what your buying or why you need it.
I have to say this is an extremely odd request from a bank if it is a legit e-mail!
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