Many of us are not taking simple precautions when we shop, and that can lead to trouble, particularly at a busy time like Christmas.
Research shows many of us don't check our current account or credit card statements regularly to compare the details against what we know we have bought.
This means we run the risk of not spotting a fraudulent or unknown transaction on an account.
For those that choose to shop on the high street, one in 10 have admitted to not shielding their Pin when withdrawing money or paying for a purchase by card.
As for online shoppers, almost two in five of those polled could not identify whether a website was secure or not – identified through a padlock symbol.
How to stay safe
In order to help people avoid falling victim to crooks, Nationwide has put together some shopping safety tips.
1. Check your statements regularly
Keeping receipts and checking your statements will not only help you avoid overspending on gifts, but may also identify unrecognised transactions and reduce post-Christmas stress.
It’s also important to make sure your financial services provider has your most up to date contact details, in case they need to contact you about anything suspicious.
2. Keep your Pin safe
When withdrawing cash make sure no-one is ‘shoulder surfing’ – looking over your shoulder when entering your Pin.
3. Keep your anti-virus software up-to-date
Even links in Christmas e-cards can contain malware, which can harm your device, according to Nationwide.
4. Don’t fall for voucher scams
Everyone loves a bargain, but if it seems to good to be true then it probably is.
If you see a voucher that requests financial details, then it’s almost certainly a scam. If you’re unsure, double check vouchers directly with retailers.
5. Don’t send cash by post
Can’t decide what to get someone? If you do decide to give them cash, make sure you hand it over in person or, if they live far away, transfer it directly into their account.
If you send money in a card, anyone can open it.