Last Sunday 4/2014 I used my card at the Santander kiosk in Puerto Aventuras. Someone skimmed the card - captured the PIN and subsequently drained the account over 5 days. I was told by Bank of America (who suggests Santander to avoid fees) to use only ATMs at banks - and never use one in a place that would allow someone to sneak in and place the skimming technology in place. There is a Santander bank in Playa and one in Tulum. Make the drive and avoid using your ATM card in any kiosk style location.