I'm still trying to work out how someone can fraud a savings ATM account without having the card. For example I use my Comm' ATM card at Thai ATM machines. I can also use the card to buy stuff via FPOS but you need to swipe the card. If I lost my card I can't access my money. If I walk up to an ATM machine knowing the PN but without the card - No dosh. If I go into a shop or gas station wanting to use FPOS, I know the number but no card - no dosh. So if somebody learns my PN via my computer what good is it without the actual physical card. People say it can be done but I can't understand how. Maybe I'm dense. A credit card OK I understand, but an ATM savings account has got me stumped. Anyway, it seems like plastic is not the way to go - overseas or back home. Too damn risky. And I also don't do internet banking, I reckon deal in cash as much as possible.