What is "skimming"?The "skimming" or cloning of bank cards or automatic teller machines (ATMs) is a criminal offense that involves the installation of a tiny device that records or transmits bank card data.
How does this happen to ATMs?
The crooks use sophisticated equipment that is either plastic or plaster.
These very small devices are usually placed on an ATM card reader in order to steal card data and PIN codes. A tiny camera is also positioned above the ATM keypad to photograph or film the four digits making up customers' PINs.
Some anti-skimming tips:
As you dial your PIN, cover your hand using the other.
Make sure that anyone who uses the ATM after you cannot see you dialing your PIN or your transaction amount.
Change your PIN regularly: This change can be made by following the “Change PIN” instructions on most ATMs.
Precautions for using ATMs more safely:
Never force your card into an ATM.
Cancel your transaction and leave the premises immediately if you see anything suspicious at the ATM.
Confirm, as soon as possible, that the said transaction has indeed been canceled.
If your card is captured by an ATM, do not leave the premises.
Call your bank number, intended for bank card cancellations, before you go.
Near the ATM, use your body as a screen as additional security to protect your card and PIN code.
Only insert your card into an ATM when instructed to do so: crooks can also jam ATMs to confuse customers.