I think the Bank will take care of it. Many a time I was also charged for nothing, but it got reverted to my bank account.
If it has a Visa / MC logo on it, they are usually offered the same fraud and chargeback protection as a credit card. It is sometimes a little more difficult to request a chargeback, but it's usually possible.
With Credit Cards,you can file a chargeback while In case of Debit cards,you cannnot file a chargeback