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What does Viseca cover?

Viseca Card Services SA («one» app; credit cards from cantonal banks such as ZKB and others) (Card issuer): we read no business products and 1 private product, plus 3 rules on refunds.

As of

On this page
  1. For private customers
  2. Refunds

For private customers

Online account protection and online legal protection (included in the credit card)

Viseca

Policy terms: gültig ab 01.06.2025

no public price

  • Misuse of card, Twint, e-banking limited

    Limit CHF 20'000. Depending on the card CHF 5'000 to 20'000 per event. Only transactions without the consent or approval of the insured person; payments approved by the person themselves (phishing with approval) are not covered. Secondary: only the loss the person has to bear themselves, and only after written refusal by the bank. No deductible (product page).

  • Online purchase no information

    No online purchase protection; there is only the purchase and transport insurance (damage/theft), no non-delivery.

  • Online sale no information

    Not regulated in the conditions.

  • Identity theft limited

    Limit CHF 20'000. Only legal protection (Dextra) in the event of identity theft, no reimbursement of financial losses and no help with cleaning up.

  • Cyberbullying and defamation limited

    Limit CHF 20'000. Only legal: right of reply or removal of content via the legal protection; no psychological help and no technical deletion.

  • Data recovery no information

    Not regulated in the conditions.

  • Extortion no information

    Not regulated in the conditions.

  • Hacked accounts no information

    Not regulated in the conditions.

  • Internet legal protection covered

    Limit CHF 20'000. Online legal protection for computer and internet offences (credit card misuse, phishing, hacking, skimming), identity theft, violations of personality rights and copyright. CHF 20'000 according to the benefits table displayed; gradation by card type not checked.

  • Liability on the internet no information

    Not regulated in the conditions.

  • Smart home no information

    Not regulated in the conditions.

  • IT help without a loss no information

    Not regulated in the conditions.

Key facts and terms
Price
no public price
Type
Bundle or add-on to the card
Deductible
none

No separate price: included in the card’s annual fee. Online account protection: CHF 5'000 (World Mastercard Silber, Visa Classic), CHF 10'000 (Gold, Flying Blue), CHF 20'000 (Visa Platinum).

Exclusions (1)

Exclusions

  • No online account protection as long as the institution liable to pay compensation has not refused in writing to cover the loss; likewise if the review deadline was missed or the report was late.
    Where does it say so? (exclusion)

    Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten, gültig ab 01.06.2025, Online-Kontoschutz, Ziff. 5

    «Schäden, deren Übernahme ein ersatzpflichtiges Unternehmen (kontoführendes Geldinstitut, Kartenvertragspartner oder Netzwerkanbieter) nicht schriftlich abgelehnt hat.»

    Open document: Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten (opens in a new window), retrieved 06.11.2026

All values as a table
What Viseca covers in “Online account protection and online legal protection (included in the credit card)”
ModuleStatusLimitWhat appliesSource
Misuse of card, Twint, e-banking limited CHF 20'000 Depending on the card CHF 5'000 to 20'000 per event. Only transactions without the consent or approval of the insured person; payments approved by the person themselves (phishing with approval) are not covered. Secondary: only the loss the person has to bear themselves, and only after written refusal by the bank. No deductible (product page).
Where does it say so? (Misuse of card, Twint, e-banking)

Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten, gültig ab 01.06.2025, Online-Kontoschutz, Ziff. 2.1

«Die finanziellen Transaktionen wurden ohne Einverständnis beziehungsweise Freigabe der versicherten Person durchgeführt.»

Open document: Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten (opens in a new window), retrieved 06.11.2026
Online purchase no information not stated No online purchase protection; there is only the purchase and transport insurance (damage/theft), no non-delivery.
Where does it say so? (Online purchase)

Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten, gültig ab 01.06.2025, ganzes Dokument durchsucht

Open document: Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten (opens in a new window), retrieved 06.11.2026
Online sale no information not stated Not regulated in the conditions.
Where does it say so? (Online sale)

Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten, gültig ab 01.06.2025, ganzes Dokument durchsucht

Open document: Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten (opens in a new window), retrieved 06.11.2026
Identity theft limited CHF 20'000 Only legal protection (Dextra) in the event of identity theft, no reimbursement of financial losses and no help with cleaning up.
Where does it say so? (Identity theft)

Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten, gültig ab 01.06.2025, Online-Rechtsschutz, Ziff. 3

«Identitätsdiebstahl durch missbräuchliche Verwendung personenbezogener Daten einer natürlichen Person durch Dritte.»

Open document: Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten (opens in a new window), retrieved 06.11.2026
Cyberbullying and defamation limited CHF 20'000 Only legal: right of reply or removal of content via the legal protection; no psychological help and no technical deletion.
Where does it say so? (Cyberbullying and defamation)

Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten, gültig ab 01.06.2025, Online-Rechtsschutz, Ziff. 4

«Geltendmachung des Rechts auf Gegendarstellung und/oder Entfernung von Darstellungen im Internet (Bild, Ton oder Text).»

Open document: Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten (opens in a new window), retrieved 06.11.2026
Data recovery no information not stated Not regulated in the conditions.
Where does it say so? (Data recovery)

Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten, gültig ab 01.06.2025, ganzes Dokument durchsucht

Open document: Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten (opens in a new window), retrieved 06.11.2026
Extortion no information not stated Not regulated in the conditions.
Where does it say so? (Extortion)

Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten, gültig ab 01.06.2025, ganzes Dokument durchsucht

Open document: Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten (opens in a new window), retrieved 06.11.2026
Hacked accounts no information not stated Not regulated in the conditions.
Where does it say so? (Hacked accounts)

Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten, gültig ab 01.06.2025, ganzes Dokument durchsucht

Open document: Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten (opens in a new window), retrieved 06.11.2026
Internet legal protection covered CHF 20'000 Online legal protection for computer and internet offences (credit card misuse, phishing, hacking, skimming), identity theft, violations of personality rights and copyright. CHF 20'000 according to the benefits table displayed; gradation by card type not checked.
Where does it say so? (Internet legal protection)

Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten, gültig ab 01.06.2025, Online-Rechtsschutz, Ziff. 3

«Computer- und Internetdelikten wie zum Beispiel Kreditkartenmissbrauch, Phishing, Hacking, Skimming.»

Open document: Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten (opens in a new window), retrieved 06.11.2026
Liability on the internet no information not stated Not regulated in the conditions.
Where does it say so? (Liability on the internet)

Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten, gültig ab 01.06.2025, ganzes Dokument durchsucht

Open document: Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten (opens in a new window), retrieved 06.11.2026
Smart home no information not stated Not regulated in the conditions.
Where does it say so? (Smart home)

Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten, gültig ab 01.06.2025, ganzes Dokument durchsucht

Open document: Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten (opens in a new window), retrieved 06.11.2026
IT help without a loss no information not stated Not regulated in the conditions.
Where does it say so? (IT help without a loss)

Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten, gültig ab 01.06.2025, ganzes Dokument durchsucht

Open document: Kundeninformation und Versicherungsbedingungen für Karten der Viseca Card Services SA – Privatkarten (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.

When do you get your money back?

This is how the terms of Viseca 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.

Where does it say so?

Haushalt- und Gebäudeversicherung, Kundeninformationen und Allgemeine Bedingungen (Hausrat, Wertsachen, Privathaftpflicht, Gebäude, Haustiere, Cyberversicherung, Vertragsrechtsschutz), Ausgabe 04.2025, Art. B Ziff. 5, PDF-S. 42

«Versichert sind maximal 3 Schadenereignisse pro Versicherungsjahr.»

Open document: Haushalt- und Gebäudeversicherung, Kundeninformationen und Allgemeine Bedingungen (Hausrat, Wertsachen, Privathaftpflicht, Gebäude, Haustiere, Cyberversicherung, Vertragsrechtsschutz) (opens in a new window), retrieved 06.11.2026

  • unauthorised payment, card stolen/lost

    Deadline: 30 days Deductible: CHF 0

    The rule in full

    Viseca covers losses from proven misuse by third parties not close to the cardholder in full. Not covered are losses where duties of care and notification were breached (the customer then bears the loss without limit until the card is blocked), transactions with PIN, 3-D Secure, SMS code or biometrics, and insured losses. Conditions: keep the card separate from the PIN, never write down the PIN, block immediately (24h service or app), police report with copy, dispute no later than 30 days after the statement date, form within 10 days.

    Where does it say so? (unauthorised payment, card stolen/lost)

    Allgemeine Geschäftsbedingungen für Zahlkarten der Viseca Card Services SA (Private), Version Januar 2026, Ziff. 1.6.2 (Pflichten Ziff. 1.7.1 und 1.7.2)

    «Wir übernehmen Schäden in voller Höhe, die Ihnen aus nachweislich missbräuchlicher Verwendung der Karte bzw. Authentifizierung durch nicht nahestehende Dritte entstehen.»

    Open document: Allgemeine Geschäftsbedingungen für Zahlkarten der Viseca Card Services SA (Private) (opens in a new window), retrieved 06.11.2026

  • unauthorised payment, card data hacked/copied (card-not-present, skimming)

    Deadline: 30 days Deductible: CHF 0

    The rule in full

    Expressly covered are counterfeits and data theft by third parties not close to the cardholder, provided the payment was not authenticated with PIN, 3-D Secure or SMS code and the customer has fulfilled their obligations (among others, protecting devices with antivirus and updates, not disclosing card data).

    Where does it say so? (unauthorised payment, card data hacked/copied (card-not-present, skimming))

    Allgemeine Geschäftsbedingungen für Zahlkarten der Viseca Card Services SA (Private), Version Januar 2026, Ziff. 1.6.2

    «Dies umfasst beispielsweise Schäden aufgrund von Fälschungen oder Verfälschungen der Karte oder Datendiebstahl durch nicht nahestehende Dritte.»

    Open document: Allgemeine Geschäftsbedingungen für Zahlkarten der Viseca Card Services SA (Private) (opens in a new window), retrieved 06.11.2026

  • 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: transactions that the customer (or third parties close to them) authenticated with PIN, 3-D Secure, SMS code or biometrics are excluded. The customer alone is responsible for the underlying transaction (section 1.6.1). The online account protection also only covers transactions without approval.

    Where does it say so? (payment approved by the customer (3-D Secure approval after phishing, code passed on, investment fraud, love scam))

    Allgemeine Geschäftsbedingungen für Zahlkarten der Viseca Card Services SA (Private), Version Januar 2026, Ziff. 1.6.2, Ausschlüsse

    «Schäden aus Transaktionen, welche Sie oder nahestehende Dritte authentifiziert haben z. B. durch Eingabe des PIN-Codes, Bestätigung mittels 3-D Secure»

    Open document: Allgemeine Geschäftsbedingungen für Zahlkarten der Viseca Card Services SA (Private) (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.

Three ways forward