[leesalminen]

I think it depends on whether the PIN was entered if not.

If entered, the transaction happens on the Maestro et. al. network and you can’t do chargebacks.

If no PIN was entered, the transaction happens on Visa/MC systems and you can chargeback.

[threeseed]

Fraud events are different from chargebacks.

Your bank irrespective of whether it's a savings account, credit card etc will almost always insure you against fraud provided you didn't do anything reckless e.g. write your PIN on the card.