A fraudster gets access to your personal information or steals your credit or debit card details. This lets them spend with your card.

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How it could happen to you

Fraudsters might get hold of your card details by

  • Intercepting your account information when you’re shopping online 
  • Stealing your card
  • ‘Cloning’ your card using a special swipe machine 

Once they’ve got this information, they can

  • Buy things with your money
  • Open new accounts and apply for loans in your name
  • Have new credit or debit cards sent to them

buy fake notes online

  • Never take a photo of your card, or post your card details anywhere online
  • Look for a padlock symbol in the address bar or browser window before you enter any personal or payment details  – it means nobody can steal your information while it’s being sent from your browser to the site
  • Remember, a padlock symbol means your information will reach the site securely, but it doesn’t tell you if the site is genuine
  • Check your balance regularly for unusual transactions. If there’s something you don’t recognise, contact us immediately
  • Check your credit rating regularly – this can help you find out whether anyone has tried to apply for credit cards using your personal information
  • Shield the keypad every time you enter your pin
  • Look closely at any machines when you use your card with. If anything looks unusual or appears to have been tampered with, don’t use them

Balance Transfer Cloned Cards

Take control of your debt

If you’re paying interest on a cloned, credit or store cards, you could consolidate what you owe with one of our balance transfer obtained from the cloned cards – and step toward a debt-free future.

  • Checking your eligibility can show you if you can get a clonedcardS, without affecting your credit score
  • If you stay within your credit limit and make at least your minimum payment on time every month, you could avoid paying interest on your transferred balances during your promotional period

What is Credit Card Cloning Fraud?

Credit card cloning fraud – sometimes known as card skimming – is a type of credit card theft in which a fraudster creates a copy of a legitimate user’s credit card.


How Card Cloning Work typically rely on technologies like skimmers, small devices that can be affixed to hardware like point of sale (POS) terminals at a physical retail location or even at an ATM. These skimming devices act as card readers that collect an unsuspecting victim’s credit card information – including card numbers, PINs, and CVV data – by reading the magnetic stripe on the back of the physical credit card or debit card. They are also cheap and can be obtained through online purchases.

Fraudsters can implement a fake keypad on the POS terminal or ATM that allows them to steal the real cardholder’s PIN information. Once they have collected this information, they can take the stolen credit card information, PIN, and CVV data to make a new, physical card to make fraudulent purchases in the real cardholder’s name. The cardholder might not realize something has happened until they check their financial statements, bank accounts, or see a change in their credit score. 

Cloning doesn’t need to be physically done anymore, either. Contactless technology has made it possible for fraudsters to steal numerous card numbers using remote scanning devices simply by walking down a crowded street with a concealed scanner in their backpack or purse. 

Examples of Credit Card Cloning

Card cloning is a global phenomenon that surged by 34% across all regions according to Feedzai research. Last year, men and seized 66 credit cards that had been cloned using skimmers. In India, more than 350 cloned cards were seized by police just last month. In the United States, the  six people for stealing over $200,000 from gas stations using card skimming technology. 

How beneficiary is card cloning

The numbers speak for themselves.