What happens if there's unauthorized activity on my account?
Debit card fraud can be a scary subject. We’re never going to tell you not to worry about fraud, but if something happens, we’ve got your back.
We've built a lot of features to stop fraud in its tracks. You can opt-in to receive transaction push notifications so you can see each transaction moments after it’s made. You can also block and unblock your card whenever you need to from the web or your mobile app.
If, despite these preventive measures, fraud should occur on your account, you’re protected—your Simple card is covered by Visa’s Zero Liability policy,1 and you aren’t liable for unauthorized transfers either, as long as you report them to us promptly. The Simple support team will do everything they can to help you through the situation.
Things to keep in mind
To help us protect you from fraud, it’s important that you keep your PIN, password, and username private, and that you notify us promptly after any unauthorized activity takes place.
If we are not notified within 60 days of the date the statement showing the unauthorized charges is made available to you, you may be liable for the full amount. Please note: if there is a justifiable reason why you were unable to notify us, we may be able to extend this time period.
For more details, check out our Card Agreement. If you have any questions, get in touch with our support team.
1. Visa's Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions, or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.