The Bank called sent me a voice record last night to call their fraud Dept, Im thinking it was a fraud to call them. So i quickly checked my account to see im $800 less. I called the number supplied , and a the man from the fraud section of the bank asked me where my keycard was and i told him its with me. He said $800 has just been withdrawn about 10 minutes ago at a ATM at a 711 in Liverpool in Sydneys South. I told him i have my keycard and no one has the PIN but on looking at my account he was right ! Someone had withdrawn $800 the maximum avail per day from my account. He asked me where i had "swiped" my card and put in the PIN in the last few days. Usually i Paypass or paywave my card but i got a Taxi the other day in the City, i remember he told me his paypass wasnt working so i had to put the PIN number in, thats the only time i recall using the old swipe and PIN system since paypass came in . The Bank Fraud guy says he was now blocking my card and will send a investigation report and get back to me in 5 days !!! Now my questions are ... Is the bank going to refund my money? Are they going to take action against the criminals ? Surely all they have to do is look at the Cctv camera at the ATM , will they even report it to Police or is there too many skimming? Obviously it must of been this young guy taxi driver !!! He told me as soon as i got in his cab he didnt know his way to my street in Darlinghurst because he was from Mount Druiitt !!