Fingering is a zero risk activity as far as weare aware. There are no reported cases worldwide of people becoming HIVpositive after fingering a woman with HIV.
People are generally very concerrned about thepresence of tiny cuts on their fingers or around their finger-nails which theyfear may pose an extra risk by being so called open wounds. An open wound is acut which is freshly made and freshly actively bleeding. This does not mean anold healed paper cut for example. It does have to be 1) fresh and 2) open andbleeding. Even in this scenario, there is no evidence that it poses a risk withno reported cases worldwide.
The vastly most common routes for transfer ofHIV are by unprotected vaginal or anal sex and then by sharing needles forinjecting drugs and mother to child transmission during birth or breastfeeding.
HIV transmission by fingering is not a risk.