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There is no way to tell without examination, and possible swabbing of the areas for culture, to determine if it is fungal or even bacterial. If your hands are in water alot or washed with strong soaps or chemicals, this can add to the problem. If you can journal what you do and touch, then you can narrow down the possibilities. You should make an appointment with your general practitioner or a dermatologist to have the problem investigated. In the meantime, use gloves when possible, keep hands moisturuzed with an emollient cream and keep them clean to prevent infection. Having open cuts makes you prone to infection and this can be dangerous. Have it checked by the doctor to be sure.