Apacs has reminded consumers of the need to take secure measures in order to protect their pin number from fraudsters.
The organisation has estimated that around a fifth of cardholders rarely or never shield their code from other people when they punch it in.
This can be dangerous as criminals often look to create copies of cards and then use them abroad - in countries where chip and pin is not in effect - to withdraw cash using the number and make purchases.
In order to reduce the risk of fraud, the company has put their Protect your Pin guide on the internet for consumers to download and peruse.
"Simple measures such as shielding your pin with your free hand whenever you enter it into a keypad will significantly reduce your chances of becoming a victim of fraud," said Apacs director of communications Sandra Quinn.
Chip and pin was introduced to the UK on February 14th 2006.
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