I've been pondering this and decided there would be someone on TES who would know the answer. My bank recently informed me that they plan to do away with cheques soon, which presumably means that in order to pay people or be paid, bank account details will have to be supplied. Those Nigerian scams, whereby you get an email asking you to help move wodges of cash by letting them put it into your bank account (and then they empty your bank account) - they presumably happen because people give their bank account details to the scammers. But do they give more than merely the information you'd have to give to someone who wanted to pay money into your account? Surely they must, otherwise it would be very simple to get hold of anyone's money merely via this information (which is on each cheque you write anyway)? Therefore, are we at more risk once we have to bandy our bank account details around to other people?