The bank card money was stolen, and the bank didn't inform me by SMS. Is the bank responsible? Where did the money come from?

According to Article 89 of the Measures for the Administration of Electronic Banking:

When providing e-banking services, financial institutions should bear corresponding responsibilities for losses caused by non-customer reasons such as potential safety hazards in the e-banking system and illegal operations inside financial institutions.

Therefore, as long as it is not the theft caused by the disclosure of depositors' personal information, but the failure of banks to provide safe and effective e-banking services, banks should bear the responsibility.

If the bank is sued for stealing credit cards, it will not only pay legal fees and legal fees, but also involve the distribution of burden of proof and the identification of faults. Therefore, it is not easy to solve the problem of stolen credit cards through legal means.