After informing the card issuer of its loss, theft or misappropriation, excluding cases of intention and gross negligence, cardholders cannot be held liable for its use.

With regard to any unauthorised transaction following the loss, theft or misappropriation of a card, prior to notifying the card issuer (or the entity specified by the latter), cardholders are liable for losses that cannot exceed the balance available in the card account or the credit line associated with the account or the card, up to €150.

If cardholders do not comply with the terms governing the issuing and use of the card or do not notify, without any justification, the payment service provider of the card’s loss, theft or misappropriation, they are liable for all losses resulting from unauthorised transactions.