[qwytw]

> Europe, tens of thousands of transactions and not once did I need to reverse one.

Me neither. But (living in an EU country) every time I hear about someone who was a victim of a fraud/scam/etc. when SEPA/Bank transfers or debit cards are involved the banks just seem to pretty much tell everyone that's not their problem and that you should go the police (who obviously can hardly ever get the money back from the scammers directly, especially if they are in another country).

Some banks ever offer some sort of a "scam insurance" for a fixed monthly fee, which just seems absurd. Why do I even have to pay them in the first place (most banks charge some monthly fee just a for a debit card) if they can't guarantee they won't just start giving away my money to random people with no recourse?

OTH if you're using a credit card chargebacks seem to be an option even here (local banks just do their best to hide that from you)...

[garaetjjte]

You can do chargebacks also on debit cards, no?