John B wrote:

Also, the position on fraud is *exactly the same* for debit cards and
cheques - if someone nicks your money, the bank will refund it once
you ask them and once they've investigated.

Up to a point - apart from the the fact that debit cards aren't covered by
the Consumer Credit Act, banks are less likely to rush to refund you as
it's your money not theirs as with a credit card.

E.