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Ever felt the heat of someone breathing down your neck when using the ATM or in shops, just as you are completing a transaction? If the answer is yes, then you are not alone.

Unfortunately, criminals will attempt to obtain your account and/or PIN details by means of looking over your shoulder. It is therefore imperative that you are fully aware when using your card at anytime, whether at home, or abroad.

For your peace of mind always protect your card details:

• Always keep your card out of sight and in a safe place, when not in use
• Never tell anyone your PIN number
• When you receive a new PIN number, memorise it straightaway and destroy the slip
• Always stand close to the machine ensuring that no-one can see you enter your PIN
• Don't accept help from strangers and don't let anyone distract you
• If someone looks suspicious or gets too close while you're using the machine, cancel the transaction and move away
• When you have finished your transaction, put your card and money away quickly before you leave the ATM
• Where pavement hatchings exist always observe these whilst waiting to use the ATM
• At shop checkouts, keypads should be appropriately positioned and shielded against prying eyes, however you should still be aware of anyone looking over your shoulder as you key your PIN

For general advice in relation to protecting your personal details such as Pins, passwords, card details, and staying safe while banking online, please visit security.