I dont know yet fully what happened but they got the money out of an ATM machine which means they must have made a copy of my card because my card hasnt left my sight in weeks. Pal who works for RBS thinks they will have skimmed my card a few weeks ago and it was sort of coincidence it happened last night. God knows how they got though and god knows how they got my pin number either.
What they have done is put a skimming device in the chip and pin terminal and taken all of your details (pin included) and then made up a blank plastic card with all your details on. Hopefully you are covered with your bank's insurance.