And criminals can gain access to the equipment by purchasing it legally for just £20 online.

One of the biggest threats to consumers using contactless cards is that there details can be very easily “skimmed”, this is when a criminal does not steal any cash from your card but instead your card details.

There is even an app for your smartphone which allows your mobile to act as a card reader, where once again it takes card’s details but not the cash. This app is created by credit card reader NFC and it is completely legal and free.

This information can then be used to clone cards.

For the first time, according to UK Finance contactless fraud has overtaken cheque fraud, which totalled £9.8 million last year.

Also the number of cards in circulation have increased from 59million to 119million from 2015 to 2017.