Debit cards - are you covered?

Monzo Chat
#1

Hey
In the instance there is any fraudulent transactions on your account ( visa or MasterCard) are you covered by the bank or does that only apply to credit cards ?

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#2

For fraud. Yes.

If you have your PIN to someone else. No.

See https://www.which.co.uk/consumer-rights/l/card-fraud

#3

You are covered provided the bank can’t prove you’re negligent (which they can’t)

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#4

Yes, under both UK law and mastercard and visa regulations.

It’s up to the bank or building society to prove it was not you.

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#5

Ok thanks guys :+1:t4:
God forbid it ever happens as I’m very alert and always check my cards are on me

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#6

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