What does Raiffeisen cover?
Raiffeisen Switzerland / Raiffeisen banks (debit and credit cards, Raiffeisen TWINT) (Bank): we read no business products and no private products, plus 5 rules on refunds.
As of
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When do you get your money back?
This is how the terms of Raiffeisen 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: not stated
The rule in full
Credit card: the bank covers losses from misuse by third parties not close to the holder if the duties of care (section 8) were complied with and there is no fault. Not covered are losses in the event of a breach of duty until the card is blocked, transactions with one of the methods named in section 6 (PIN, 3-D Secure, mobile payment), insured losses and consequential losses. Report misuse immediately by telephone, written dispute no later than 30 days from the monthly invoice, form within 10 days.
Where does it say so? (unauthorised payment, card stolen/lost)
Bedingungen für die Benützung der Raiffeisen Kreditkarten (Kredit- und Prepaid-Karten für Privatpersonen), Ausgabe 2026 (PDF erstellt 30.10.2025), Ziff. 10 Verantwortlichkeit und Haftung (Frist Ziff. 8)
«übernimmt die Bank Schäden, welche aus missbräuchlicher Verwendung der Karte durch nicht nahestehende Dritte entstehen.»
Open document: Bedingungen für die Benützung der Raiffeisen Kreditkarten (Kredit- und Prepaid-Karten für Privatpersonen) (opens in a new window), retrieved 06.11.2026
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unauthorised payment, card stolen/lost (debit card)
Deadline: 45 days Deductible: not stated
The rule in full
Debit card (Debit Mastercard, Visa Debit): same liability logic as for the credit card (section 13), but a longer reporting deadline: report discrepancies no later than 45 calendar days after receipt of the account statement, otherwise it is deemed approved; form within 10 calendar days.
Where does it say so? (unauthorised payment, card stolen/lost (debit card))
Bedingungen für die Benützung der Raiffeisen Debitkarten, Version 1.2 – Januar 2026, Ziff. 12 und 13
«spätestens aber 45 Kalendertage nach Erhalt des monatlichen Kontoauszugs, resp. der monatlichen Prüfung, ansonsten gilt der Kontoauszug als genehmigt.»
Open document: Bedingungen für die Benützung der Raiffeisen Debitkarten (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: not stated
The rule in full
Data theft and counterfeiting by third parties not close to the cardholder are expressly covered, provided no obligation was breached and the payment was not approved with PIN, 3-D Secure or mobile payment. For mobile payment losses, the conditions of the third-party provider must also have been complied with.
Where does it say so? (unauthorised payment, card data hacked/copied (card-not-present, skimming))
Bedingungen für die Benützung der Raiffeisen Kreditkarten (Kredit- und Prepaid-Karten für Privatpersonen), Ausgabe 2026, Ziff. 10
«Dies sind beispielsweise Schäden aufgrund von Fälschungen oder Verfälschungen der Karte oder Datendiebstahl durch nicht nahestehende Dritte.»
Open document: Bedingungen für die Benützung der Raiffeisen Kreditkarten (Kredit- und Prepaid-Karten für Privatpersonen) (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
No coverage of transactions that the cardholder (or persons close to them) approved with one of the methods named in section 6. 3-D Secure may only be confirmed if the details are correct; never pass codes on to third parties (section 8).
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 Benützung der Raiffeisen Kreditkarten (Kredit- und Prepaid-Karten für Privatpersonen), Ausgabe 2026, Ziff. 10, Ausschlüsse
«Schäden aus Transaktionen, welche der Karteninhaber oder nahestehende Dritte gemäss einer in Ziffer 6 aufgezählten Methode genehmigt hat»
Open document: Bedingungen für die Benützung der Raiffeisen Kreditkarten (Kredit- und Prepaid-Karten für Privatpersonen) (opens in a new window), retrieved 06.11.2026
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TWINT misuse / TWINT fraud with classified ads
Deadline: 30 days Deductible: not stated
The rule in full
Raiffeisen TWINT: confirmed payments are irrevocable (section 7.1); P2P payments only go to the mobile number entered (section 7.3). The bank excludes any warranty and liability, including for unauthorised access to the device and for breaches of the duties of care. There is no rule on covering losses. Report misuse immediately, written dispute no later than 30 days from the account statement or credit card invoice, criminal complaint at the bank’s request.
Where does it say so? (TWINT misuse / TWINT fraud with classified ads)
Raiffeisen TWINT – Allgemeine Geschäftsbedingungen, AGB Version 6.0 – Dezember 2024, Ziff. 14 Gewährleistung und Haftung (Frist Ziff. 9)
«Die Bank schliesst jede Gewährleistung und Haftung im Zusammenhang mit der Benützung der TWINT App aus»
Open document: Raiffeisen TWINT – Allgemeine Geschäftsbedingungen (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.