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EDIT: Specific banks are not listed. Select Visa or Mastercard from payment options.
I'm in the UK and have no issues using a Mastercard Santander Debit Card.
Santander switched to Mastercard.
Didn't know that as I don't bank with Santander. I did say Visa or Mastercard, both are options regardless of the bank. I've used 3 different banks debit cards and I've never had to select the bank only Visa or Mastercard
Is it your card?
If it is and you have money in your account there shouldnt be an issue.
This just sounds dodgy.
Another good option would be to let your friends gift you games directly via steam, and you can pay them back later.
So choose that it's a Mastercard.