Decision no. 189/2025 of the Single-Member Court of First Instance of Kavala examined a case of phishing fraud, where unauthorised transfers were made from a customer’s bank account through e-banking.
The judgment is particularly important because it confirms that the mere use of login credentials or a payment instrument does not automatically prove that the customer actually authorised the transaction.
The Court focused on the burden of proof borne by the payment service provider and on the bank’s duty to maintain secure and effective electronic payment systems.
At a time when online banking fraud is becoming increasingly sophisticated, this decision highlights the importance of consumer protection and the practical application of Law 4537/2018 on payment services.