My card was stolen and someone used it to pay or withdraw money.

Covered: misuse after theft or robbery of the card or device and identity theft with card data, up to CHF 5'000 per year. Excluded: skimming and e-banking; secondary to the bank (only after written refusal). The product page advertises «phishing», but GTC section 2.1.1 does not expressly name phishing.

Deductible: none

T&C (unauthorised payment, card stolen/lost): Cembra covers losses from misuse by third parties or through counterfeiting if the holder complied with the duties of care under section 3 and is not at fault. Anyone who breaches their obligations is liable without limit until the card is blocked. Conditions: keep the PIN secret and do not record it, not even in encrypted form, report loss immediately, criminal complaint with copy, written dispute no later than 30 days from the monthly invoice, form within 10 days.

Banking protection: unauthorised payments up to CHF 20'000 per year, authorised payments after phishing (e-mail) or smishing (SMS) up to CHF 1'000 per year. Only if the bank provides no reimbursement at all (or for its deductible). Obligations: up-to-date security system on the device (proof with logs), notification to Allianz within 3 days and no later than 30 days after the monthly statement, blocking within 24 hours after theft, police report, fraud report from the bank. Phone fraud, love scam and investment fraud are de facto excluded.

T&C (unauthorised payment, card stolen/lost): The bank only covers losses from misuse by third parties (including counterfeiting) if the holder proves that they complied with the T&C in all respects, in particular the duties of care, and is not at fault. Excluded: transactions with PIN, mTAN or 3-D Secure, misuse by persons close to the holder, insured losses. Conditions: never write down PIN and card data or disclose them to anyone, do not keep the PIN with the card, report loss immediately, police report, dispute immediately and in writing within 30 days of the monthly statement, loss form within 10 days.

T&C (unauthorised payment, card stolen/lost): 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.

Deductible: none

T&C (unauthorised payment, card stolen/lost): PostFinance Card (debit): PostFinance covers losses from misuse by third parties if the customer proves that the T&C and conditions of participation were complied with and she is not at fault. Persons close to the customer are not considered third parties; insured losses and consequential losses are excluded. Conditions: block the card immediately, police report in the case of criminal offences, use 3-D Secure where offered; loss form within 10 days. There is no dispute deadline in days for the debit card; the T&C require a dispute «immediately».

T&C (unauthorised payment, card stolen/lost): 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.

T&C (unauthorised payment, card stolen/lost (debit card)): 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.

Online account protection: loss through unlawful access to a Swiss postal/bank account, card or mobile device after theft of access data. Only the part that the insured person has to bear themselves; no protection as long as the bank has not refused in writing to cover the loss. Immediate blocking and a police report required.

T&C (unauthorised payment, card stolen/lost): Swisscard only covers charges from misuse by third parties if the customer has breached neither the T&C nor the duties of care and is not at fault. Excluded as soon as the transaction was made with PIN, mTAN or 3-D Secure (section 11.4 a), and in the event of misuse by persons close to the cardholder. Conditions: keep the PIN separately and do not write it down, block the card immediately, police report if misuse is suspected, written loss report within 30 days of the invoice date, form within 10 days. Claims must be assigned to Swisscard.

T&C (unauthorised payment, card stolen/lost): Debit card: UBS covers losses from misuse by third parties (including counterfeiting) if the cardholder proves that they complied with the conditions in all respects and are not at fault. Persons close to the cardholder are not considered third parties; insured losses are excluded. Conditions: do not keep the PIN with the card and do not store it, report immediately, police report, dispute within 30 days of receipt of the account statement, form within 10 days.

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).

Deductible: none

T&C (unauthorised payment, card stolen/lost): 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.

Deductible: none

T&C (unauthorised payment, card stolen/lost): ZKB Visa Debit: the bank covers losses from misuse by third parties (including counterfeiting) if the provisions were complied with in all respects, there is no fault and the dispute was made in time. Anyone who disputes too late (later than 30 days after the account statement, form within 10 days) loses any claim. If neither the bank nor the customer breached their obligations, the loss is borne by the party in whose sphere of influence the misuse occurred. ZKB credit cards are issued by Viseca; the Viseca T&C apply to them.

Account protection: financial losses through misuse of accounts (CH, FL, border area 50 km) and cards by third parties, including online banking, card numbers on the internet, cash withdrawals; plus blocking and replacement fees. Only to the extent that the bank has refused in writing. Not: caused by gross negligence, reporting/review deadline missed, mass attack on the financial institution, avoidable through updates. Police report mandatory.

Deductible: none

Online accounts & credit cards module: monitoring, legal protection (AXA-ARAG) up to CHF 20'000 and, after unsuccessful legal action, compensation of the loss up to CHF 20'000, subsidiary to the card issuer/bank. Deductible CHF 50–5'000. Gross negligence leads to a reduction. Not: voluntarily made payments (romance scam, grandparent scam), crypto.

Deductible: CHF 50

Misuse of credit, debit, customer or SIM cards and misuse of data in private financial and online transactions (online and mobile banking): legal costs against perpetrators and compensation of the loss up to CHF 20'000 per event. Subsidiary: first the bank or third parties; cash, e-money and crypto excluded.

Only if the thief uses the card data for payments on the internet; purchases in shops or withdrawals at machines are not covered.

Deductible: CHF 50

The only product found that expressly names the dispute with the bank: legal protection (Dextra) in disputes with a bank/credit institution after phishing, pharming, skimming and in the event of unlawful card or contactless payment (Twint, Revolut, PayPal, Apple Pay); no waiting period. In addition, the insurance reimburses fraudulent payments up to CHF 10'000 per calendar year if the intervention was unsuccessful (waiting period 7 days); a written refusal from the bank is required. Limit = legal costs CHF 300'000.

The definition names withdrawals and payments at manipulated machines and terminals as well as mobile payment; a payment or withdrawal with a stolen card is not expressly covered.

Losses through physical theft of bank and credit cards are excluded in the cyber insurance.

Up to CHF 10'000 if the theft is insured in the household contents insurance and the duties of care were complied with; only the part you bear yourself under the T&C is compensated.

Misuse of data in private financial and online transactions (online/mobile banking) and misuse by third parties of cards issued in Switzerland: compensation up to CHF 5'000 per event including blocking and replacement costs; subsidiary to the card issuer and bank. The gross negligence protection does not apply to cyber.

Deductible: none

Card misuse by third parties outside the internet up to the agreed sum, subsidiary to the card issuer’s insurance; not if the card was not signed or the code was kept with the card.

Financial losses through misuse by third parties of private accounts, custody accounts, credit balances (CH/FL) and credit cards after card, access or identification data was obtained without authorisation, expressly including phishing of e-banking and mobile payment access data and skimming. Only to the extent that the bank has refused in writing. Not: PIN written down, reporting obligation breached, review deadline missed. In addition, extra costs in the event of misuse of the mobile phone (901.5) and blocking/replacement costs for cards (901.6).

Deductible: none

Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Covered is claiming damages in the event of credit card misuse on the internet (against the party causing the loss). Whether a dispute with the bank or card issuer about the chargeback counts as a «contract for private use» (B2.15) is not expressly regulated; financial transactions are excluded (A7 let. h). Limit = sum insured according to the policy (example on the product page CHF 300'000, max. CHF 1 million per year). No waiting period.

Only legal costs (lawyer, court, expert opinions), not the lost amount itself. According to the product page, the basic private legal protection already helps if the merchant and the credit card issuer ignore a complaint about an unauthorised charge (consumer law, Art. A3 let. a). This covers the dispute with the card issuer; e-banking/Twint not expressly mentioned. Limit = Europe CHF 750'000 (world CHF 150'000). Waiting period 90 days; does not apply to contracts concluded after the policy start.

Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Legal dispute as a victim of credit card misuse, phishing, hacking, skimming; no waiting period. Opposing party not restricted; a dispute with the bank or card issuer is not expressly mentioned. In addition: if legal assistance is unsuccessful after 180 days, the financial loss from unauthorised purchases/sales by third parties is compensated up to CHF 1'000. Limit = legal costs CHF 50'000.

Deductible: none

Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Legal dispute as a victim of credit card misuse, phishing, hacking, skimming; no waiting period. Opposing party not restricted; a dispute with the bank or card issuer is not expressly mentioned. In addition: if legal assistance is unsuccessful after 180 days, the financial loss from unauthorised purchases/sales by third parties is compensated up to CHF 1'000. Limit = legal costs CHF 75'000.

Deductible: none

Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Area of law internet law: claim for damages and criminal complaint in the event of credit card misuse (skimming) and phishing/hacking. Whether a dispute with the bank/card issuer about reimbursement falls under contract law (section 21) is not expressly regulated. Limit = Private L CHF 300'000 (XL CHF 1.3 million). Waiting period 60 days (XL 30 days).

Deductible: none

Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Victim of phishing/hacking and credit card misuse (only if committed via the internet). Low sum insured CHF 5'000 (Premium CHF 20'000), waiting period 1 month. If legal assistance is unsuccessful after 60 days, Orion may compensate the proven loss up to CHF 1'000 (Premium CHF 3'000), once per year, subsidiary to household contents insurance. Dispute with the bank not expressly mentioned.

Only legal costs (lawyer, court, expert opinions), not the lost amount itself. Covered is the assertion of damages claims in the event of misuse of a credit/debit card and card data (against the perpetrator). Contractual disputes arising from the use of the credit/debit card (e.g. with the card issuer) are exempted from the finance exclusion (Art. E1 let. g). A dispute with the bank/payment service about e-banking or Twint, on the other hand, falls under the exclusion «banking, financial and payment services». Only Comfort package; limit = sum insured according to the brochure CHF 20'000, waiting period 3 months.

Deductible: none

Only legal protection (AXA-ARAG) up to CHF 20'000, also in disputes with Swiss credit card companies after card misuse; no compensation of the lost money. Not: voluntarily made payments (romance scam, grandparent scam), crypto.

Deductible: none

In the event of misuse of bank, postal account or card data on the internet, TAS pays the proven financial loss up to CHF 5'000 (subsidiary: only to the extent that the bank, an insurer or third parties are not obliged to pay). For irregularities with card issuers, PayPal, Twint, Apple Pay also up to CHF 5'000, deductible CHF 150. Important: for these cases there is only legal advice by telephone, no lawyer for a dispute with the bank (section 13.2). Misuse after theft/loss of the physical card not covered. Limit = compensation.

Deductible: CHF 150

Legal costs for credit card misuse via the internet and skimming (no waiting period) as well as disputes with credit card institutions and payment services (PayPal, Twint, Apple Pay) for online payments (waiting period 3 months). If legal assistance is unsuccessful after 2 months, compensation of the financial loss up to CHF 5'000 (card/skimming) or CHF 1'000 (payment processing). External lawyer’s fees only from an amount in dispute of CHF 2'000. Card misuse after theft not covered.