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By Victoria Bischoff for the Daily Mail. A major investigation today exposes the alarming security flaws in contactless cards. In controlled tests with experts, Money Mail discovered that criminals can swipe money off these cards as you're walking down the street, sitting in a restaurant or browsing in shops. We discovered that crooks using card reading equipment can also steal information from your card that they can then use to steal your identity.

Fraud on these new bank cards — which you can use without entering your PIN — is currently rare. And if you do fall victim, your bank will typically refund you the full amount. Morgan Straight guys takes money to fuck man shows how easily he can steal Victoria's money with a card reader. But our tests found fraudsters only have to get within a few inches of where you keep your wallet to scam you.

Fraud was even possible when contactless cards were in bags and jacket pockets. The equipment needed to commit these crimes is available for as little as £30 online.

These machines work even when concealed inside a shopping bag — which gives criminals the ability to target victims without them realising. There is no suggestion these devices are being widely used by crooks. But our findings raise serious safety concerns about the rollout of contactless cards by all major banks.

When using contactless cards the most important thing is to be aware of your surroundings and anything suspicious. Contactless cards have a circuit around the edge. Cutting off the top right-hand corner breaks the circuit and stops it sending a signal to a payment machine. You can still use the card to make Chip and Pin payments, however. Beware that cash machines can detect the fault and may swallow the card, so it's not an ideal solution. Another option is to wrap the card in foil. The metal acts as barrier, blocking the contactless signal emitted by the card.

However, foil can rip easily and may need to be replaced often. Some companies have launched special products that will protect your card. Defender Note offers A5 pieces of plastic that can be cut to size and placed inside wallets £7. Just like the tin foil, it blocks any signals — so the contactless technology won't work unless you take it out.

You can also buy special wallets that work in the same way from £35, houseoffraser. Almost all new debit and credit cards are now contactless, with 92 million currently in use. The technology allows you to pay a bill of up to £30 Straight guys takes money to fuck man typing in your PIN at the checkout. You just tap the card against the reader.

One in five card payments in the UK is now contactless, according to the UK Cards Association, and the industry is in discussions about raising the spending limit to £ But associated fraud has risen from £, in the first six months of to £2. That is still low compared to other types of financial crime — but experts fear it could worsen. Morgan Rothwell, director of fraud prevention firm Defender Note, says: In the meantime the fraudster could have pocketed thousands of pounds by trawling up and down high streets and train station platforms, targeting hundreds of unsuspecting victims.

You can request a non-contactless card, but some issuers, such as Barclaycard, will refuse. To test the safety of the cards we conducted a series of experiments with the help of fraud protection experts. In the first set, we tested how far away you need to be from a card reader for a contactless card to register. The Assheton Arms gastro-pub in Lancashire agreed to let us borrow its machine. It does not have to be connected to a till by a wire, so allows staff to take card payments from customers sitting at tables.

The machine has a range of a only few hundred metres so will not work outside the building. We also tested mobile devices. Many tradesmen such as plumbers, locksmiths, builders and market stalls now use card machines that work wherever you get a mobile signal.

Rowland Hayward, of Silver Fox Wines, who uses a mobile card reader for wine-tasting events in people's homes, allowed us to test his device in Preston. Any money taken using either of these machines will go directly into the business's bank account. There's nothing to stop a criminal setting up a legitimate business and then using it to steal "Straight guys takes money to fuck man" on the side. Our tests found fraudsters only have to get within a few inches of where you keep your wallet to scam you.

You would expect almost to have to touch the card against the readers for them to Straight guys takes money to fuck man a payment. But in our experiments the machine beeped when the card was around 4in away and the printer started rolling out a receipt. This means a criminal could steal money from you in a shop or cafe without even brushing against you.

In a public place a criminal would be unlikely to get away with such a brazen act. But many people will keep their bags on the floor and jackets on the backs of seats in pubs and restaurants. We placed the contactless card inside a wallet, a purse and loose in a leather bag to test whether a machine could take a payment through the material.

In every case, the card could be read when it was 2in away.

The best protection was keeping the card in a woman's purse with a clasp fastener inside a leather bag. When we waved the reader over the bag, it could not pick up any signal.

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So if you leave your bag unattended, you will be vulnerable to Straight guys takes money to fuck man unless your contactless card is buried away inside. If a criminal is using one of the mobile machines, they could steal your cash while you're on a train, walking down the street or at a bus stop — though to get away with it in broad daylight they'd need to conceal the machine.

However, we discovered it could read a card even while hidden inside a material shopping bag or plastic carrier bag. The exception was when we conducted the tests with more than one contactless card; the machine just beeped and a message flashed up saying: So if you have more than one contactless card in your wallet, you are less at risk because the machine may not know which one to pick. The other big risk is keeping a card in your pocket.

In our tests, we put a contactless card inside the back pocket of some jeans and the card reader only needed to be an inch away to work.

We got the same result when the Straight guys takes money to fuck man was placed inside the pocket of a jacket. Even when the card was in a wallet inside a pocket, it could be read without the machine touching the material. This was one of the most concerning results because it shows you are vulnerable in crowded places. Martyn James, formerly of the Financial Ombudsman Service, says: Industry experts say it would be hard to get away with this type of fraud because every machine is registered to a business.

Companies undergo strict checks, providing proof of identity and address, including photos of their premises.

Banks also watch for suspicious transactions — for example, if a business that usually takes five payments a day suddenly takes 50, a red flag would be raised. Currently, if you are the victim of contactless theft, your losses are limited.

Card machines can take only £30 a time. Even if crooks repeatedly try to swipe your card, the machine will ask for a Pin after around ten attempts, so you're unlikely to lose more than £ You are at much greater risk if they get hold of your personal details.

Once in possession of your name, card number and expiry date, a crook with the right equipment has enough to commit identity fraud in shops and online.

We conducted our second set of tests with Kevin Loveman, of payments firm Universal Smart Cards, at a retail park in Borehamwood, Hertfordshire. These are not intended for criminal use as some are also used to scan concert tickets.

Kevin demonstrated how a card reader the Straight guys takes money to fuck man of a smartphone could be concealed in the palm of his hand. It had to be attached to a laptop by a wire — but this could be threaded through jacket sleeves to a computer in a backpack.

A crook can even turn off the bleeping sound made by the machine when it scans a card.

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As with standard card readers, the machine needed only to be within four inches of a contactless card to work. We tested the machine with the card in a wallet, purse, bag and a pocket, and it read perfectly every time.

The only exception was when the purse was inside a bag. When we put two contactless cards inside a wallet it recorded the details of either one or both of them. Kevin says crooks have started using smartphones to scan cards as they are less conspicuous. We downloaded a free card-reading app on to a smartphone. It was unreliable and didn't work every time.

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When it was successful it needed to be within an inch of the card to record the long number on the front and the expiry date.

Other apps claim they can capture additional data, such as the last ten transactions on the card and even how many more times the PIN can be entered before the card is blocked. Justin Modray, director of Candid Financial Advice, says: Criminals can also use the data they gather to make a clone of your card. For this sum, a crook receives a card-reader that can scan up to 15 contactless cards at once, plus a pack of blank cards to transfer the details on to.

Under the advertisement, visitors to the site had written comments such as 'Let the shopping begin. Whoop' and 'Xmas shopping done haha'. On the dark web criminals can also buy printers that make blank cards look just like normal ones given out by banks. Most online retailers ask for the three-digit security number on the back of your card — known as the card verification value CVV Straight guys takes money to fuck man. This cannot be picked up by a card-reader.

But you would not need this to spend with the card in a shop. The views expressed in the contents above are those of our users and do not necessarily reflect the views of MailOnline.

Thursday, Jan 24th 5-Day Forecast. Could you fall prey to a contactless conman? Category: box truck sex.

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We conducted our second set of tests with Kevin Loveman.

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