The instances of ATM and credit card fraud are on the rise. Follow the tips below to help avoid becoming a victim:

• don't let anyone swipe your card twice without giving you a 'transaction cancelled' receipt for the first swipe - card 'skimming' is growing where fraudsters swipe cards through a second machine to record details.
• Be on your guard when withdrawing money from ATMs - if anything seems out of place with the machine or people around you, don't transact. Check particularly for small skimming devices placed over the card slot.
• Hang onto ATM receipts as proof of your transactions.
• When buying over the Internet, deal only with reputable online merchants whose sites offer full security. Check for the padlock symbol at the bottom of your web browser.
• Avoid sending card details by e-mail, your details are not secure. If you must, send half your card number through in one email, the rest in a second message.
• If giving card details over the phone, or by mail order, only deal with established companies with a verified physical address.
• Keep an eye on your card, or the person holding it, when you hand it over for payment to ensure no-one copies your card details.
• Don't store copies of your password or security number with the card.
• Beware letterbox thieves. If you don't have a locked letterbox, consider arranging to pick up new or replacement cards from your branch, rather than have them sent by mail.
• Check statements closely each month and report any unauthorised transactions to your bank immediately
• Read correspondence from your bank before discarding it - it may contain important card account information and not just marketing material
• Most of these precautions become vital security measures when using your card overseas, especially in South-East Asia.