Resposta As a rule, the customer (payment service user) bears the losses on unauthorised payment transactions resulting, for example, from improper use of personal data, within the limit of the available balance or credit line associated with the account, up to a maximum of 50 euros. However, the user shall bear all losses resulting from unauthorised operations if they are due to: fraudulent action of the customer; failure to use the payment instrument according to the respective conditions; failure to communicate to the payment service provider, without unwarranted delays and within a period never exceeding 13 months, of misappropriation or any unauthorised use of that payment instrument. In the event of serious negligence on the part of the user, the user will bear the losses resulting from unauthorised payment transactions up to the limit of the available balance or credit line associated with the account, even if they exceed EUR 50, depending on the nature of the payment instrument and the circumstances of their loss, theft or misappropriation. The user shall not bear losses resulting from the use of a lost, stolen or appropriated payment instrument after having communicated this situation to the payment service provider (e.g. their bank), or to the entity designated by them, without undue delay, except if they have acted fraudulently. Categoria Fraud prevention Categoria de informação Payments