[Dalewyn]

>Chargebacks for instance are a key protection which I have made use of multiple times. There’s no such option available with bank transfers.

In case someone doesn't understand why this is the case:

Banks don't really care about your money.

Banks really care about their money.

When you buy something with a debit card, you are spending your money.

When you buy something with a credit card, you are spending the bank's money.

Yes, banks tout zero fraud liability with your debit charges just like credit charges; no, their enthusiasm is /dev/null compared to credit charges.

[noodlesUK]

This is largely true, and it’s codified into law in some places (see s.75 in the UK), however I would say that the protections provided by most major banks on debit card purchases are actually pretty good. The chargeback process for most issuers is very similar or the same. You should use a credit card because you have stronger legal protections, but it’s not like most banks will screw you just for using a debit card.