You are covered in case of fraudulent purchases made with any of your physical cards, or in the case of withdrawals made from your account if your card was stolen or lost.
What is the excess for fraudulent payment?
There is no excess for this coverage. But the maximum benefit amount is limited to €3000 per year, per cardholder.
What should I do if I'm a victim of phishing?
You have to report the incident to Qonto in order to block the card and the account. You must then follow Qonto's instructions to secure your account and your cards again.
If needed, Qonto can ask you to change your credentials. You also have to report the incident to the police.