> If the restaurant overcharges you or you are not happy with your webshop purchase then the bank will not help you out. I don't know what it's like in other E

> If the restaurant overcharges you or you are not happy with your webshop purchase then the bank will not help you out. I don't know what it's like in other European countries, but I have to enter my PIN code before a transaction can take place (except for very small transactions). So since overcharging or webshops charging my account cannot really happen without my explicit permission, I don't really see how that could happen?