The Eurobodalla Shire woman, who does not wish to be named, spoke to Australian Community Media so others would be on their guard.

Funds had been "bleeding" from her account since late last year.

"The amounts were so small (about $11.99 per month or so), that it could be easily overlooked," she said.

Sitting down to do her tax return, with her bank statements on hand, the resident noticed Apple transactions - a platform she does not use.

"I do not have an account with Apple," she said.

"I only put about a maximum of $200 on the card for on-line purchases, so it was easy to examine my back statements.

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"I also keep a journal entry on each purchase from my card and I noticed that it had been bleeding for a while because my balance differed from the sum on my telephone banking information.

"I also requested mailed statements. I had all the statements in front of me, so it was easy to check."

After a long phone call to Apple and visit to her bank she learned the transactions were indeed fraudulent.

"As soon as I showed the bank they told me they knew about the fraud and took me to another room to report it by phone to their fraud department," she said.

Her bank will reimburse the funds, but she is concerned for others who may not monitor their statements and could lose larger amounts over the longer term.