[jonknee]

That's not how it works though, people get hacked all the time and banks make their customers whole. You can literally leave your debit card on the street corner and you won't be liable for any fraudulent charges as long as you notify the bank of them.

[Xylakant]

Not in Europe in general. Chip and PIN leads to the assumption that you made the purchase or initiated the charge. In any case, card charges (or charges in general) are something entirely different than payments initiated from your banking client. Anyone can charge your account and you can dispute the charge. However, money sent from your account cannot actively be disputed. You can tell your bank that you accidentally transferred money and they’ll try and stop the transaction, by if it goes through, you need to retrieve the money from the person that got it. Banks will try to help in case of fraud as long as the money is in their reach, but will not make you whole at their expense.