What does Migros Bank cover?
Migros Bank AG (Visa Debit, own credit cards for private individuals, e-banking) (Bank): we read no business products and no private products, plus 4 rules on refunds.
As of
On this page
When do you get your money back?
This is how the terms of Migros Bank deal with misuse of a card, account or app.
The bank first: private products pay only what the bank or card issuer does not cover (Mobiliar at most 3 events per year; Zurich only after the bank’s written refusal). Block the card immediately and file a report. Haushalt- und Gebäudeversicherung, Kundeninformationen und Allgemeine Bedingungen (Hausrat, Wertsachen, Privathaftpflicht, Gebäude, Haustiere, Cyberversicherung, Vertragsrechtsschutz), Ausgabe 04.2025, Art. B Ziff. 5, PDF-S. 42Where does it say so?
«Versichert sind maximal 3 Schadenereignisse pro Versicherungsjahr.»
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unauthorised payment, card stolen/lost
Deadline: 30 days Deductible: CHF 0
The rule in full
Migros Bank covers losses from misuse by third parties (including counterfeiting) without deductible if the terms of use were complied with in all respects and there is no fault. Persons close to the holder are not considered third parties; in the event of a breach of duty, the holder is liable without limit until the card is blocked. Conditions: report without delay, written dispute no later than 30 days from the monthly invoice, form within 10 days, criminal complaint with copy.
Where does it say so? (unauthorised payment, card stolen/lost)
Bedingungen für die Nutzung von Kreditkarten für Privatpersonen der Migros Bank AG, Version 01/2026, Ziff. 4.1 und 4.2 (Frist Ziff. 3.5)
«übernimmt die Migros Bank AG Schäden, die der hauptkarteninhabenden Person aus missbräuchlicher Verwendung der Karte durch Dritte entstehen (ohne Selbstbehalt für die hauptkarteninhabende Person).»
Open document: Bedingungen für die Nutzung von Kreditkarten für Privatpersonen der Migros Bank AG (opens in a new window), retrieved 06.11.2026
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unauthorised payment, card data hacked/copied (card-not-present, skimming)
Deadline: 30 days Deductible: CHF 0
The rule in full
Even for transactions with PIN or 3-D Secure, Migros Bank covers the charges if it is proven that third parties unlawfully interfered with networks, telecom facilities or the customer’s infrastructure (e.g. malware on the device). Requirement: dispute in time and duties of care complied with. This clause is more customer-friendly than with most other issuers examined.
Where does it say so? (unauthorised payment, card data hacked/copied (card-not-present, skimming))
Bedingungen für die Nutzung von Kreditkarten für Privatpersonen der Migros Bank AG, Version 01/2026, Ziff. 4.5
«Bei nachweislich rechtswidrigen Eingriffen von Dritten in die Einrichtungen von Netzwerk- und/ oder Telekommunikationsbetreibern oder in die von der inhabenden Person genutzten Infrastruktur»
Open document: Bedingungen für die Nutzung von Kreditkarten für Privatpersonen der Migros Bank AG (opens in a new window), retrieved 06.11.2026
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payment approved by the customer (3-D Secure approval after phishing, code passed on, investment fraud, love scam)
Deadline: 30 days Deductible: not stated
The rule in full
Any authorised use with PIN, 3-D Secure code, Click to Pay or other means of authentication is deemed to have been made by the holder; the holder then bears the risk of misuse.
Where does it say so? (payment approved by the customer (3-D Secure approval after phishing, code passed on, investment fraud, love scam))
Bedingungen für die Nutzung von Kreditkarten für Privatpersonen der Migros Bank AG, Version 01/2026, Ziff. 4.5
«Jeder autorisierte Einsatz der Karte mit dem dazu passenden PIN-Code, dem 3-D Secure-Code … gilt als durch die inhabende Person erfolgt.»
Open document: Bedingungen für die Nutzung von Kreditkarten für Privatpersonen der Migros Bank AG (opens in a new window), retrieved 06.11.2026
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e-banking takeover by third parties
Deadline: not stated Deductible: not stated
The rule in full
Authentication is checked automatically; anyone who uses the correct means of identification is deemed authorised, and all orders are deemed authorised by the customer (section 2). If the customer breaches duties of care (official app, up-to-date operating system, antivirus, not passing on devices), the bank rejects any liability (section 6). Liability for unlawful interference in telecom networks is excluded (section 7).
Where does it say so? (e-banking takeover by third parties)
Bedingungen für die Benützung des E-Bankings der Migros Bank AG, 3828 – Version 4, Ziff. 6 Sorgfaltspflichten
«Sollte die Nichteinhaltung der folgenden Sorgfaltspflichten zu Schäden führen, lehnt die Bank jegliche Haftung dafür ab.»
Open document: Bedingungen für die Benützung des E-Bankings der Migros Bank AG (opens in a new window), retrieved 06.11.2026
Overview based on public policy terms, as of 06.11.2026. Only your policy and its general terms and conditions (GTC) are binding. No confirmation of cover.