I also have zero liability for any unauthorized charges on my bank account via SEPA Debit. By definition it's the bank's money the moment I dispute it and vendo

I also have zero liability for any unauthorized charges on my bank account via SEPA Debit. By definition it's the bank's money the moment I dispute it and vendors are required to put up a legal contact with full responsibility when they sign up. I feel safer because I don't need a credit, I pay "cash".