Literal question
In the PAST 12 MONTHS, has money ever been TAKEN OUT of your personal account(s)? This includes cash withdrawals you make in person, using your [local terminology for ATM/debit card] or mobile phone, electronic payments or purchases, checks, or any other time money is removed from your account(s) by yourself or by another person or institution.
Question post text
(ALL in FIN10, Skip to FIN12 IN GSMA MOBILE MONEY COUNTRIES OR FIN14)