Nowadays most banks offer their clients insurance policies with credit cards, debit cards and cheques. Nevertheless, the National Consumer Service has made it clear that those policies are a complement that does not replace the responsibility of financial institutions. For example, when a card has been forged and it is evident that a crime has been committed, the bank will normally return any amounts defrauded to the card holder, as per the information provided by the financial institutions regulator.

There is a wide offer of insurance products that cover those risks, with different levels of premium. The important thing is to consider what risks are covered, if Internet and international purchases are included, etc. Many policies cover robberies in cash points. Another type of insurance is the so-called protected purchase: when an item purchased by card is stolen, the insurer refunds the card holder (fully or partially) within a specific period of time.