Fraudă bancară: un cod de securitate nu dovedește, singur, că ai aprobat plata

A bank transaction's security code does not automatically prove customer consent for payment. Authentication verifies identity, while authorization requires explicit agreement. According to Romanian law, banks must demonstrate proper transaction processing if a customer disputes authorization. Immediate refunds are mandated for unauthorized transactions, with exceptions for suspected fraud. Customers must report issues promptly, ideally within 13 months, to ensure protection. The bank's security checks do not negate the need for customer consent, and claims of fraud or technical errors do not absolve banks of their legal responsibilities.