Not true. At least not in Sweden. There are different laws from credit cards and debit cards.
This is the law which regulates such things, and the law makes no difference between any payment service (ie credit or debit), when it comes to unauthorized use, see chapter 5:
https://svenskforfattningssamling.se/sites/default/files/sfs...
Edit: Page 28 to be precise.
The law explicitly states that funds have to be reimbursed to the victim immediately or at latest on the same bank day.
This is the law which regulates such things, and the law makes no difference between any payment service (ie credit or debit), when it comes to unauthorized use, see chapter 5:
https://svenskforfattningssamling.se/sites/default/files/sfs...
Edit: Page 28 to be precise.
The law explicitly states that funds have to be reimbursed to the victim immediately or at latest on the same bank day.