Don’t let these ATM scams happen to you this Easter Weekend
Criminals will not be resting this long weekend so take precautions and don’t fall victim.
We are approaching Easter weekend and we know criminals will be at work and ATMs are their favourite target. As part of its Customer Protection Programme, African Bank has combined a list of warnings and guidelines to avoid being scammed at ATMs over the Easter weekend, and these apply to everyone who will be using ATMs during the long weekend.
As you make your way to , etc. please be wary of the following.
CARD SWOPPING:
Here the perpetrators are groups of at least three criminals. They will distract you (victim) while the card is swopped, usually after inserting their PIN. One of the criminals will have shoulder surfed the PIN before the card swop.
The victim leaves with someone else’s card and the criminals immediately use the stolen card to make purchases or withdraw money, before the victim realises and has a chance to block their card.
SKIMMING:
With skimming, victims are coerced into swiping their cards through hand-held devices at ATMs. A person claiming to be a bank employee approaches the victim and requests they ‘reactivate’ their card by swiping it through the hand-held device (the skimming device). This can happen before or after the customer has withdrawn money. There is often a second or third person loitering around the ATM, shoulder surfing for the PIN. In some cases, the ATM card reader entry slot is damaged. While the victim struggles to insert their card, the criminal will approach the victim and take the ATM card from the victim, often escorting the victim to another ATM to attempt the withdrawal. While on their way to the second ATM, the criminal gets hold of the card and it is skimmed. The victim is then handed back the original card only to discover much later that money was withdrawn from their account.
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ATM-MOUNTED SKIMMING:
Most ATM skimming devices do not interfere with the ATM when utilised. These devices are created to look like a card reader slot and fit seamlessly over the slot, making them difficult to detect. A skimming device can also be mounted over the ATM card slot. The false reader in the skimming device acquires the magnetic strip data and the PIN is compromised using a camera containing the skimming device which is installed in the mold.
In case you come across any of those here are the tips to avoid being scammed.
• Follow the instructions on the ATM screen carefully.
• Be alert to your surroundings and leave if you notice anyone loitering suspiciously.
• After successfully transacting at the ATM, leave immediately.
• If your card does not go in smoothly do not force it in. Rather leave the ATM.
• If your card is swallowed do not leave the ATM before you have canceled your card.
• Memorise your PIN, never have it written down or share it with anyone.
• Key in your PIN yourself in such a way that no one else can see.
• Never let anyone stand close to you while using the ATM.
• Make sure you are not followed after withdrawing money from an ATM.
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