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Thursday 13 February 2014
safety guide for your atm
7 ways to stay safe when using ATMs
Category: Credit cards
Withdrawing money from an ATM is a
quick and convenient way to access your
money, especially during a cash
emergency.
Whilst the usage of ATMs has increased
significantly over the past ten years,
fraudsters have become more
sophisticated in their methods of trying to steal
funds from bank accounts.
Whilst the threat of unscrupulous behaviour from
a small number of individuals shouldn't put you
off using cash machines, it is always wise to
adopt a safety-conscious approach when making
any kind of cash withdrawal.
Check the cash machine before
using it
Whilst you may not have the time to thoroughly
check an ATM before inserting your card, there
are a few quick and simple things you can do.
Only use ATMs situated in well-lit and busy areas,
particularly after nightfall. Preferably, use an ATM
located indoors, in a bank or building society
branch, or one that is monitored by CCTV. Also,
try to steer clear of machines that have been
vandalised or mistreated.
Check over the cash machine. Many ATM
fraudsters use tactics such as placing false fronts
over the card slot to copy, or skim, your details.
They may also have positioned a small camera
inside the hole in the wall or above the keypad to
capture you entering your PIN. If anything looks
"stuck on" it probably is.
If you have suspicions that a machine may have
been tampered with, avoid using the machine and
report your concerns to the machine's owner
immediately. Doing so will reduce the likelihood of
other people falling foul of potential fraudsters.
Take a friend with you
ATM fraudsters aren't restricted to technology-
based scams. There is also the possibility of
being tricked into revealing your PIN to a
stranger, or being mugged.
If you feel uneasy about taking cash from a
machine in a certain area, take a friend with you
to put off any would-be assailants.
If you spot anyone loitering around an ATM,
looking suspicious, report them immediately to
the police.
Protect your PIN
Always place your hand over the keypad to act as
a shield while inputting your PIN.
Avoid inputting your PIN if there are people too
close to you and never reveal your PIN to anyone,
not even bank staff.
Four numbers are easy to remember. Never write
down your PIN as a note in your wallet or
handbag. Doing so will provide thieves with your
cards and PIN in one swoop, meaning they can
access your account straight away.
Fraudsters essentially require access to your PIN
to obtain cash from an ATM with your card, so
always make sure you protect it.
Never accept help from
strangers
It doesn't matter how inoffensive, friendly or
gallant someone may appear, never accept help
from strangers.
If your card gets stuck in a machine, do not leave
it there. Report it immediately using your mobile
phone.
If you have adhered to point two of this guide and
brought a friend along with you to withdraw cash,
one of you can remain at the ATM whilst the
other goes to report it.
Strangers may offer to help, but they can't. Again,
never reveal your PIN to anyone, not even if they
claim to work for your bank, the owner of the
machine, local authorities, or the police.
Don't withdraw cash after
drinking alcohol
Try to withdraw all the cash you need at the
beginning of an evening out, not after drinking too
much!
Alcohol impairs your judgement and can make
you less likely to spot a dodgy cash machine or
notice suspicious activities.
Alcohol consumption can also make you more
trusting of any 'helpful' strangers should you
experience any problems at an ATM, such as your
card getting stuck.
Check ATM receipts against
your bank statements
Sometimes even the most cautious people can
get caught out by fraudsters.
Your bank or building society should compensate
any losses, but the onus will be on you to report
it.
Check all cash withdrawals against your bank
statement and keep receipts from the ATM to
check back against your statement.
Always select 'yes' if a cash machine asks if you
require a receipt. Doing so will mean you have
evidence of the transaction in the event of
