Easy loophole for people with multiple banks is to just transfer funds from Santander to another, then move the money to an exchange.
I think that the loophole might be in the own system:
From 15th November 2022 where we identify payments to cryptocurrency exchanges using Mobile and Online Banking, well limit the amount that you can send. These limits are applied per account.
so just go to your local branch, ask to make a wire, sign it and it shouldn't get against the limits, that is if they still have physical offices and have not turned all their branches into kiosk payments only.
If that doesn't work, just have your wife split the funds, 72000 GBP a year would be enough for most families.
The problem will be when they change the limit from 3000 a month to zero a year, that is going to be ugly.
Well be making more changes to limit or prevent payments to crypto exchanges in the future, though well always let you know before we make these changes.
This won't be a problem. This is actually another good reason to keep my bitcoins into my wallets only and not send a penny worth of it for fiat. Unless and until there is emergency situation one can easily cop up with the situation with 3000 GBP. That is still good amount of money one could need at any given time.
It's the other way around, the limit for 3000 is for buying not for selling, they don't care how much you pull out of an exchange.