How fraudsters can scam you without stealing your card

The convenience of modern-day banking has made it easier for scammers
James RoweSenior Video and Audio Content Creator

Having worked at the BBC and in commercial radio before joining Which?, James produces our always-on podcasts, and oversaw the launch of our member-exclusive podcasts in 2025.

It used to be the case that a scammer had to physically steal your card if they wanted your money. But that’s no longer the case.

In this episode of the Which? Money podcast, our scam expert Faye Lipson joins us to tell us the story about how her card was used by fraudsters despite it still sitting inside her wallet.

She explains how it was possible, thanks to a little-known process that banks offer by default to make banking as convenient as possible.

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