A digital wallet lets you store your cards on your phone, smartwatch or tablet. This allows you to pay quickly without using your physical card.
It’s fast, easy and secure, but scammers can still try to get into your wallet or trick you into giving them access.
Here’s how they work, and how to protect yourself.
On this page:
To get into your digital wallet or add your card to theirs, a scammer needs information.
They might try to get it by:
Once they have enough, they can try to add your card to a wallet on their own device.
Once they’ve added your card, the scammer can:
You might not realise it’s happening because digital wallets do not always need a PIN. Digital wallet scams are designed to go unnoticed.
Common warning signs include a noticing payment on your card that you did not make or receiving a one-time passcode (OTP) that you did not request.
Always pause if something seems unusual. It’s okay to stop and check.
Make it harder for scammers by:
Take Five offers straightforward and impartial advice to help everyone protect themselves from fraud.
Find out more about common fraud threats and how to avoid them.