If your card is lost or stolen, you are not liable for any unauthorised usage so long as you tell us quickly. So, go into the app and lock the card asap (tap on the card icon & follow the prompt). If you've not got access to the app, call us right away on 1800 946 527 (or +61 2 8598 8525 if overseas). Also, at Xinja we monitor for potentially fraudulent activity, and if we have good reason to suspect it, we'll lock your Debit MasterCard or Prepaid Visa card ASAP and let you know. Likewise, if you suspect fraud, lock the card and/or let us know right way. Again, as long as you tell us reasonably quickly, you won't be liable for fraudulent transactions. For more detail on this, check out our PDS (product disclosure statement) at this link.