ATM Card Scammers and Scammers at Shops: How They Steal Can Steal Your Money

With the increasing use of ATM cards and credit cards for everyday transactions, scammers have found new ways to exploit them. Whether at an ATM machine or a shop’s card-swiping terminal, these scammers use tricks and technology to steal your card information and money. In this article, we’ll explain how these scams work, how to spot them, and how to protect yourself from falling victim.

How ATM and Card Swiping Scams Work

1. Skimming Devices
   One of the most common methods used by scammers is called “skimming.” Scammers attach small skimming devices to ATMs or card-swiping machines in shops. When you swipe your card, the skimmer reads the card’s magnetic strip and records your details, including your PIN number, if entered.
2. Hidden Cameras
   In some cases, scammers place tiny cameras near ATM machines or shop payment terminals. These cameras are aimed at the keypad, allowing them to record your PIN number as you type it in.
3. Card Trapping
   In this method, scammers use a device called a “card trap” to physically hold your card in the ATM machine. When the machine fails to return your card, scammers often appear nearby, pretending to offer help. While distracting you, they take your card and later withdraw money from your account.
4. Fraudulent Shop Terminals
   At some stores, scammers may replace the real card-swiping terminal with a fake one, or work with dishonest shop staff to collect your card information. When you swipe your card at the fake terminal, it records your card details, allowing scammers to make fraudulent purchases later.
5. Phishing or Social Engineering
   Some scammers pose as bank officials or shop employees, asking for your card details over the phone or via email. They trick you into giving them your card number, PIN, or other sensitive information by pretending to fix a problem or offer rewards.

How Scammers Steal Information

1. Install Skimming Devices: Scammers secretly place skimming devices on ATMs or payment machines to capture card details when people swipe their cards.
2. Record PIN Numbers: Scammers use hidden cameras or shoulder surfing (looking over your shoulder) to capture your PIN number.
3. Collect Data from Fake Machines: Scammers place fake terminals in shops, often looking identical to real ones, to collect your card information.
4. Use Trapped Cards: They trap cards in ATMs and steal them while pretending to help the victim.

How to Protect Yourself from ATM and Card Scams

1. Check the ATM or Payment Terminal
   Before using an ATM or card-swiping machine, take a close look at it. Wiggle the card slot to see if anything feels loose or suspicious. If something doesn’t look right, avoid using that machine and report it to the bank or shop manager.
2. Cover Your PIN
   When entering your PIN at an ATM or shop terminal, always use your hand to cover the keypad. This simple step can prevent hidden cameras or onlookers from seeing your PIN.
3. Be Wary of Strangers Offering Help
   If your card gets stuck in an ATM or payment terminal, do not accept help from strangers. Call your bank immediately for assistance, and if possible, report the problem to the shop staff or security.
4. Check for Unusual Behavior at Shops
   When paying at a shop, be cautious if the cashier asks to swipe your card on a second machine or takes your card out of your sight. Always ensure your card stays in view during the transaction.
5. Review Bank Statements Regularly
   Regularly check your bank and credit card statements for any suspicious transactions. If you spot anything unfamiliar, report it to your bank immediately.
6. Use ATMs in Safe Locations
   Stick to using ATMs located inside banks or busy, well-lit areas. Scammers often target standalone ATMs in isolated locations.
7. Enable Alerts
   Set up mobile banking alerts to notify you whenever your card is used for a transaction. This can help you quickly detect any unauthorized use of your card.

How to Stay Safe

• Use ATMs in secure, well-lit areas.
• Check the card slot and keypad before using any machine.
• Cover the keypad when entering your PIN.
• Keep your card in view at all times when shopping.
• Be cautious of people offering help at ATMs.
• Review your bank statements and set up transaction alerts.

Conclusion

ATM card and credit card scams are becoming more common, but by staying alert and taking simple precautions, you can protect yourself. Always check the machine before using it, be cautious of strangers offering help, and regularly review your bank statements for any suspicious activity. Being aware of these scams and knowing how to avoid them can save you from financial loss and frustration. Stay safe and smart when using your cards!