Debit Card Security: Stay Safe

TL;DR

Protect your debit card by being careful with your PIN, checking statements regularly, using secure ATMs, and knowing what to do if your card is lost or stolen. Report any suspicious activity immediately.

1. Protecting Your PIN

1. Memorise it: Never write down your PIN anywhere – not on your card, in your phone, or with anyone else.
2. Shield the keypad: When entering your PIN at an ATM or point of sale terminal, always cover the keypad with your hand to prevent cameras from seeing it.
3. Change it regularly: Consider changing your PIN every 3-6 months. Avoid obvious numbers like birthdates or addresses.
4. Don’t share it: Never tell anyone your PIN, not even bank staff. Banks will never ask for your PIN.

2. Checking Your Statements

1. Regularly review: Check your online or paper statements at least once a week. Look for any transactions you don’t recognise.
2. Report discrepancies immediately: If you spot anything suspicious, contact your bank straight away. Most banks have time limits for reporting fraudulent activity.
3. Set up alerts: Many banks offer text or email alerts for transactions over a certain amount. This can help you catch fraud quickly.

3. Using ATMs Safely

1. Use official ATMs: Stick to ATMs located inside bank branches or well-lit, secure locations. Avoid using ATMs in isolated areas.
2. Check for tampering: Before inserting your card, inspect the ATM for anything unusual – loose parts, skimming devices (extra plastic over the card slot), or suspicious wiring. If you see something odd, don’t use the machine and report it to the bank.
3. Be aware of surroundings: Pay attention to who is around you while using an ATM. If someone makes you feel uncomfortable, cancel the transaction and go to a different ATM.

4. Online Security

1. Secure websites: When shopping online, make sure the website uses HTTPS (look for the padlock icon in your browser’s address bar).
2. Strong passwords: Use strong, unique passwords for your online banking and other financial accounts.
3. Beware of phishing: Be cautious of emails or text messages asking for personal information – banks will never ask for this via email.

5. What to Do If Your Card Is Lost or Stolen

1. Report it immediately: Contact your bank as soon as you realise your card is missing. They will cancel the card and issue a new one. You can usually do this 24/7 via phone banking.
2. Check for fraudulent transactions: Monitor your account closely for any unauthorised activity after reporting the loss or theft.
3. Police report (optional): While not always required, filing a police report can be helpful in some cases.

6. Contact Information

Keep your bank’s contact number readily available. Save it in your phone and/or write it down separately from your card.