Even in the US, the difference in fraud protection between debit and credit cards is largely one of timing. As long as you report it lost or stolen within 2 days of discovering the issue (practically speaking, within two days of receiving the statement, as they can't prove you knew it was lost before then), you are still limited to $50, and as long as it's within two months of the statement date, $500, but like credit card companies, banks tend to waive this allowance. It sounds like you are generally using the term debit vs credit card the same way as the US, debit cards in the US are just ATM cards that are also branded with a Visa or Mastercard (typically) logo, and are accepted by the respective network. They'll all have some sort of note on them that indicates they aren't credit cards, typically "DEBIT" somewhere on the front.