[carlosjobim]

This is the law which regulates such things, and the law makes no difference between any payment service (ie credit or debit), when it comes to unauthorized use, see chapter 5:

https://svenskforfattningssamling.se/sites/default/files/sfs...

Edit: Page 28 to be precise.

The law explicitly states that funds have to be reimbursed to the victim immediately or at latest on the same bank day.

[victorbjorklund]

And do you think this law applies to Debit cards too? No, it doesn’t. Of course you can find some laws that apply to both. But the relevant law is.

https://www.riksdagen.se/sv/dokument-och-lagar/dokument/sven...

[carlosjobim]

You're linking to a completely different and irrelevant law regarding consumer credits.

The law 2018:175, which I previously linked to, is crystal clear and protects consumers against unauthorized use of their digital payment means, including but not limited to all types of card transactions. Otherwise, please let me know which chapter excludes debit cards.

Even bank transactions are protected by this law. And it has been all the way to the supreme court, which ruled in favour of the fraud victim against the bank. The victim had voluntarily handed over their digital banking credentials to scammers, and the bank refused to reimburse the stolen money. However, the supreme court ruled that the bank was indeed bound by law to reimburse the money:

https://www.domstol.se/hogsta-domstolen/avgoranden2/2022/115...

But even so, if the law is not enough and if the supreme court ruling is not enough for you, then at least empirical evidence should be enough? Just ask around with family and friends and you'll find at least a few people who have been the victims of having their debit card stolen or cloned. They will let you know that the bank returned their money swiftly.