Bank of Ireland has issued a warning to card users to be vigilant for a scam where consumers are being “significantly overcharged” at point of payment.

The scam typically involves a customer in a bar, cafe or restaurant being issued with a bill, or verbally told the amount, but a much higher amount is entered on the card terminal.

The scammers rely on the customer not checking the amount shown on the terminal before they tap or enter their card and pin.

“In some cases, this can happen quickly, particularly in busy environments, where people may be distracted, rushed, or less likely to carefully check the payment amount” before tapping their card or entering details, the bank said.

Nicola Sadlier, head of fraud with Bank of Ireland, said the bank has received an increased number of reports of this type of fraud and is urging consumers to always pause and check the total shown on the card terminal before completing any transaction.