However, this is relatively rare. The more common method is for crooks to use your smartphone's Wi-Fi connection. They rely on the fact that most of us are blase about the security of the networks we connect to.

These networks are often given innocent-sounding names, such as ‘Free Public Wi-Fi', that gull smartphone users into logging in. On the surface, everything seems normal, and you will be able to connect just as you would with a legitimate Wi-Fi service.

However, because you have connected to a network controlled by a thief, he can monitor everything you do, enabling him to vacuum up passwords and login details for your bank account.

But you always have ways to doge crime and criminals.