Mrs B&t had her brand new debit card cloned (it's one of those CHIP & PIN things). The bank realised something was up and cancelled the card before we were even aware there was a problem. In fact the first we knew about it was when her card wasn't accepted for an online transaction. No money was shown as having been taken out of her account, but the bank told us that someone had spent £400 in Germany only a couple of hours after she'd bought petrol at home here in the UK.