Zero Liability Protection

Limitation of Liability of Cardholders for Unauthorized Use

Have peace of mind knowing that the financial institution that issued your MasterCard won't hold you responsible for "unauthorized transactions." As a MasterCard cardholder, zero liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions if:

  1. you have used reasonable care in protecting your card from loss or theft; and
  2. you have promptly reported to your financial institution when you knew that your MasterCard was lost or stolen.

If you believe there has been unauthorized use on your account and you meet the conditions above, rest easy knowing you have the protection of MasterCard’s zero liability promise. For additional protections with respect to unauthorized transactions, please contact your bank or credit union.

Zero Liability does not apply to the following (or certain) MasterCard payment cards: Commercial cards, unregistered prepaid cards or gift cards.

What to do 

If you have questions regarding Zero Liability coverage or you suspect unauthorized use of your card, contact your financial institution IMMEDIATELY. For the application of Zero Liability outside of the United States, check your MasterCard country site.


Effective October 17, 2014