FNB CREDIT CARD *****

Hi,<br> <br> So on the 24th Dec my online banking got hacked. Money was transferred from my credit card into my FNB cheques account. Money was then transferred into a CAPITEC account.<br> <br> It took FNB 8 weeks to come back to me with a part payment. After R20 000 was ****** out of my account. FNB is willing to pay me back only R4056. This is an absolute joke.<br> <br> Surely banks have insurance against ***** like this? How can the bank not catch the person that stole my money? How can FNB even think of giving me only a part time payment back? What is my next step as i will never except a 5th of the full amount? Is the rest of my money save with you guys? What guarantees do i get that this will not happen again?