Do RFID Wallets Work? Blocking 21st Century Pickpocketing

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Man with empty wallet: Do RFID Wallets Work? Blocking 21st Century PickpocketingDid you know your credit card information can be stolen out of thin air when you’re doing something as simple as waiting in line at the grocery store? Today’s thieves have an alarmingly easy way to electronically pickpocket you without you ever knowing.

What makes this possible is RFID (radio frequency identification) technology, embedded in millions upon millions of credit, debit and other ID cards. Fortunately, there are products called RFID wallets than you can use to help protect your credit or debit cards from scammers.

Article Overview

How Does RFID Technology Work?

On the surface, RFID technology most resembles a merchandise barcode and barcode scanner. But unlike barcode technology, RFID operates through radio waves and consists of three parts: an RFID tag, an RFID reader and a scanning antenna.

These RFID tags (sometimes referred to as chips), that contain a circuit and antenna, are embedded in the plastic of your credit or debit card and transmit data to the RFID reader. The reader interprets the radio waves into some of the same data that’s stored on the RFID chip.

How Do RFID Readers Work?

All a thief needs to do is to have an RFID reader (also called transceivers or interrogators). They hide the reader in their coat pocket, purse or backpack and come within inches of you in order to read your credit card’s RFID chip in just a few seconds. So, any crowded area is fair or, in this case, unfair, game.

Once a thief’s reader has captured your RFID data, which could include your name, credit card number, expiration date, security code and other personal information associated with your credit card, they can easily upload it onto his computer. RFID technology is also used in passports, employee badges, some driver’s licenses and other identification cards.

While early RFID embedded credit and debit cards transmitted enough personal information for a thief to potentially make a clone card, most banks and credit card companies now say they’ve put measures in place to keep a thief from robbing you blind.

Nearly all cards now automatically change their internal security code after one purchase. So, even if a thief got enough information to successfully use your card number, he or she could only make one purchase. Still, it’s an unsettling thought that any of your personal information could be transmitted without your knowledge.

What Is RFID Blocking?

How can you protect yourself from RFID theft? There are a number of RFID-blocking products on the market, including RFID wallets, sleeves and pouches. Some of these products incorporate foil and other metals to block radio transmission. Experts say your best bet is a “Faraday cage,” which is a mesh-like metal sleeve that filters most electromagnetic frequencies. They also recommend you look for an RFID wallet that’s “electromagnetically opaque.”

Do RFID Wallets Really Work?

Not entirely, say experts, and some are better than others. Consumer Reports participated in a RFID wallet and shield testing experiment with security experts and found that, out of the 10 products tested, none completely blocked out the radio transmissions from RFID chips. Furthermore, they found a huge disparity between brands — and even between products made by the same manufacturers. They even tested a homemade shield made solely out of duct tape and aluminum foil, and it offered more protection for RFID cards than 8 of the 10 products commercially sold.

Does Your Card Have an RFID Chip?

How do you even know if your credit, debit or other cards have RFID chips embedded in them? Your card has an RFID chip embedded if it has PayPass™, PayWave™ or Blink™ (shown by a logo or radio wave image). But there are some cards that have RFID chips, even without any logo or radio wave signal visible on the card. Here’s a partial list of RFID embedded cards:

Cards with 13.56 Megahertz frequency RFID chips:

  • New Debit and Credit Cards
  • Passports
  • Transit Cards
  • Hotel Keys
  • New ID and Access Cards
  • US Government Employee ID Cards
  • Military CAC Cards
  • TWIC Cards

Cards with 125 Kilohertz frequency RFID chips:

  • ID Cards
  • Access Cards

Best RFID Wallets

Best RFID… 
Wallet For Men
Wallet For Women
Itslife logo

As we mentioned above, some RFID wallets work better than others. We review our recommendations in our Best RFID Wallet article. We base these recommendations on what we’ve found in our research about independent testing, customer feedback and other factors.

Watch RFID Theft In Action

Learn more about RFID and how it happens in this news story from Fox News.

Why Worry About The Person Standing Behind You In Line?

Using a RFID blocking credit card protector isn’t a replacement for good old common sense. Keep your valuable cards in a secure place at home when possible and always monitor your credit card and bank account statements for fraudulent charges. Although RFID-blocking technology isn’t completely secure, it’s better than leaving your credit, debit and other identification cards entirely exposed.

Would you feel more protected using an RFID wallet?

About The Author:

While attending the University of North Carolina at Chapel Hill’s graduate school for journalism and public relations, Sally began a long career researching and writing about hard-to-understand topics, such as insurance and finance.

Her additional experience in marketing, fundraising, public relations and financial planning at various foundations and nonprofit organizations over the years has given her the practical tools to inform consumers about making the smartest business and personal financial decisions. Her work has appeared in many notable media outlets, including The Washington Post, Entrepreneur, People, Forbes, Huffington Post, and more.

Speaking of smart living — growing up in the (at-the-time) per-capita murder capital of the U.S. (Richmond, VA) taught her a thing or two about the need for personal and home safety. Sally stays on top of all the latest gadgets and services to protect her and her teenage daughters from potential predators and thieves. And she brings this knowledge to every article she writes.

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