ATM Skimming: Protect Your Cash

TL;DR

ATM skimming steals your card details and PIN to clone your card and withdraw cash. Be vigilant, cover the keypad when entering your PIN, check for tampering, and report anything suspicious immediately. Use ATMs at banks whenever possible.

What is ATM Skimming?

ATM skimming involves criminals attaching devices to ATMs to steal your information. These devices usually consist of two parts:

• Card Reader Overlay: A fake card reader that copies the magnetic stripe data from your debit or credit card when you insert it.
• Keypad Overlay/Hidden Camera: This either covers the real keypad and records your PIN as you type, or a tiny camera films you entering your PIN.

With this information, criminals can clone your card and make fraudulent withdrawals.

How to Protect Yourself – Step-by-Step

1. Inspect the ATM: Before using any ATM, carefully check it for anything unusual. Look for:
   • Loose or damaged parts around the card slot.
   • Anything that doesn’t quite fit or look right.
   • Scratches or glue residue near the keypad or card slot.
   • Extra wires or devices attached to the machine.
2. Cover the Keypad: Always shield the keypad with your hand when entering your PIN, even if the ATM looks normal. This prevents hidden cameras from recording it.

   Think of it like this – you wouldn’t enter your PIN in public where someone could see it; covering the keypad does the same thing.

3. Be Aware of Your Surroundings: Pay attention to people around you. If anyone is standing too close or acting suspiciously, use a different ATM.
   • Look out for loiterers who seem overly interested in the ATM.
   • Trust your instincts – if something feels off, don’t use the machine.
4. Use ATMs at Banks: Whenever possible, use ATMs located inside a bank branch during business hours. These are generally more secure.
5. Monitor Your Accounts Regularly: Check your bank statements and online account activity frequently for any unauthorized transactions. Report anything suspicious immediately to your bank.

   Most banks have mobile apps that allow you to set up transaction alerts.

6. Set Transaction Limits: Consider setting daily withdrawal limits on your debit card to limit potential losses if it is compromised.

   You can usually do this through your online banking portal or by contacting your bank. For example, in Starling Bank:

   Settings > Manage Card > Withdrawal Limit

7. Report Suspicious ATMs: If you find an ATM that looks tampered with, report it to the bank immediately. Do not use the machine.

What to do if Your Card is Skimmed

1. Contact Your Bank Immediately: Report the incident to your bank and cancel your card. They will issue you a new one.
2. Change Your PIN: Even if no unauthorized transactions have occurred, change your PIN as a precaution.
3. File a Police Report: Reporting the crime to the police can help with investigations and potential recovery of funds.

cyber security Best Practices

• Never share your PIN with anyone.
• Be cautious about accepting help from strangers at ATMs.
• Keep a record of ATM transactions for easy monitoring.