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2. Atm card skimming and pin capturing
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ATM Card skimming and PIN capturing
ATM card skimming is a method used by criminals to capture data from the magnetic stripe on the back of a bank card. The devices used are smaller than a deck of cards and are often fastened in close proximity to or over the top of an ATM’s factory-installed card reader.
PIN capturing refers to a method of strategically attaching cameras and various other imaging devices to ATM’s in order to fraudulently capture the ATM user’s PIN.
The image displays a micro camera hidden in a pamphlet holder
Facts on ATM skimming attacks
Criminals tend to attach skimming devices either late at night or early in the morning, and during periods of low traffic. Skimming devices are usually attached for a few hours only. Criminals then sit nearby receiving the information transmitted wirelessly via the devices (installed on the ATM).
What to do to lower the risk of a skimming attack
Get to know the appearance of your ATM. Inspect the front of the ATM for unusual or non standard appearance. Scratches, marks, adhesive or tape residues could be indicators of tampering. Familiarize yourself with the look and feel of your ATM fascia. Particularly pay attention to all the touch and action points. (e.g. keypad, customer card entry slot, lighting diffusers) Inspect all areas of the fascia. Look at card reader entry slot and regions immediately above the consumer display and keyboard area for anything unusual.
Protect your PIN at all times
Even if you card have been skimmed money cannot be withdrawn from your account without the capturing of the correct PIN during the transaction. It is hence VERY important to protect your PIN number from being seen by anybody.
Tip: Cover the hand you use to enter the PIN on the keypad with the other hand so that hidden cameras or other imaging devices cannot capture the PIN while it is being entered.
If money is fraudulently withdrawn from your account by using the correct PIN, you may suffer huge losses which may not be recoverable.