Using Metal Card in USA - Not as shiny as it used to be


Which EU countries? I know the UK and Sweden protects consumers from liability in case of fraud. If there’s been a shift, it’s been from card issuers to retailers.

Meanwhile, it turns out that the US is holding back itself and the rest of the world when it comes to improving security of cards.


Not been to US yet, but from my EU citizen point of view there is many things wrong with US - probably most annoying is that prices in shops displayed without taxes included. That is sooo wrong. :-1:


I’d second that. The second thing which irritates me is the all pervasive tipping culture.


@dimitrism - this is not true. The card issuer’s liability is governed by Regulation 76 of the Payment Services Regulations 2017. The customer’s liability is governed by Regulation 77 of the Payment Services Regulations 2017. Although this legislation derives from an EU directive, I’m quoting the enacted UK legislation, because Revolut is a UK company. Which (Consumers’ Association) also publishes a guide about this.

The card holder is liable only where he/she has acted fraudulently or with gross negligence (e.g. writing one’s card number on the card). For those of you in the UK, watch Watchdog on BBC1 at 20:00 this evening, which will feature a story about a card holder who was mugged for his debit card, which was subsequently used to spend GBP 20,000 spend in 39 transactions while he was unconscious and in hospital. NatWest refused to reimburse him initially, saying that his PIN had been used, but eventually reimbursed him.

The purpose of a PIN is to prevent fraud. It does not transfer liability.


Hi @NFH ,

You are right about the legislation, but my friend from Greece lost her card and during the night the criminal made successful transactions with her PIN and some contactless. She never wrote the PIN on the card or in her wallet.
The Greek bank couldn’t believe her and after the dispute and all the process, she never take her money back. So in this case how to trust your PIN card??? Maybe If the card was only with chip&signature, after the dispute probably she will take her money back.

So I don’t trust Chip&Pin anymore.


@dimitrism - you can’t blame the chip & PIN system for a Greek card issuer’s breach of Article 73(1) of Directive (EU) 2015/2366, which states:

Τα κράτη μέλη μεριμνούν ώστε, με την επιφύλαξη του άρθρου 71, σε περίπτωση μη εγκεκριμένης πράξης πληρωμής, ο πάροχος υπηρεσιών πληρωμών του πληρωτή να επιστρέφει στον πληρωτή το ποσό της μη εγκεκριμένης πράξης πληρωμής αμέσως, και σε κάθε περίπτωση το αργότερο έως το τέλος της επόμενης εργάσιμης ημέρας, μετά από ενημέρωση ή ειδοποίηση σχετικά με τη συναλλαγή, εκτός εάν ο πάροχος υπηρεσιών πληρωμής του πληρωτή έχει βάσιμες υπόνοιες απάτης και κοινοποιεί τους λόγους αυτούς στην αρμόδια εθνική αρχή γραπτώς. Κατά περίπτωση, ο πάροχος υπηρεσιών πληρωμών του πληρωτή επαναφέρει τον λογαριασμό πληρωμών που χρεώθηκε στην κατάσταση που θα βρισκόταν αν η μη εγκεκριμένη πράξη πληρωμής δεν είχε πραγματοποιηθεί. Η εν λόγω ενέργεια διασφαλίζει επίσης ότι η ημερομηνία αξίας για την πίστωση του λογαριασμού πληρωμών του πληρωτή δεν είναι μεταγενέστερη της ημερομηνίας κατά την οποία χρεώθηκε το ποσό.

Member States shall ensure that, without prejudice to Article 71, in the case of an unauthorised payment transaction, the payer’s payment service provider refunds the payer the amount of the unauthorised payment transaction immediately, and in any event no later than by the end of the following business day, after noting or being notified of the transaction, except where the payer’s payment service provider has reasonable grounds for suspecting fraud and communicates those grounds to the relevant national authority in writing. Where applicable, the payer’s payment service provider shall restore the debited payment account to the state in which it would have been had the unauthorised payment transaction not taken place. This shall also ensure that the credit value date for the payer’s payment account shall be no later than the date the amount had been debited.

Your friend should require the card issuer to comply with the Greek enactment of the above directive. Her failure to do so is not a shortcoming of, or a liability created by, chip & PIN.


Thanks for the info @NFH .
I’ll tell her about this.