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ATM fraud

Don't fall victim to ATM crimes

By staying alert at all times while transacting at an ATM, you can avoid becoming a victim of theft or fraud. Criminals use the following methods to commit ATM crimes:


Card swapping

Criminals distract you while you are entering your personal identification number (PIN). They then swap your card. This is done so quickly that very often you are unaware that you no longer have your own card.


Card skimming

Card skimming typically involves tampering with an ATM by placing an additional card reader over the ATM’s card reader. In conjunction with a hidden camera, this provides fraudsters with your card details and PINs. We do regular physical checks on our ATMs and have not found either of these devices on them.


Vandalism

ATMs are vandalised to force you to use ATMs in poorly lit, quiet areas where it is easier to commit crime and to trap your card in the ATM's card reader, giving you the impression that the machine has swallowed your card. Criminals do this so they can watch you key in your PIN from a distance or offer you the use of a mobile phone to cancel your card. They then dial an accomplice who claims to be a bank official and pretends to cancel your card on the telephone and asks you for your PIN. Never tell anyone your PIN. Someone advises you to key in your PIN and press the cancel button to retrieve your card. This, of course, won't happen as your card is stuck. While you are entering your PIN, the person memorises it and, once you have left, removes your card using a sharp object. They now have your card and PIN and are able to access your account.


What you can do to avoid becoming a victim:

  • Stay alert
  • Protect your PIN
  • Only enter your PIN when prompted to do so by the ATM
  • Never keep a record of your PIN on your card or any piece of paper in your wallet, purse or handbag or on your phone
  • Keep your cash withdrawals to a minimum
  • Keep your daily cash withdrawal limit to a minimum

Be careful when you enter an ATM area. Always be on the lookout for criminals and never accept help from strangers, even if they say they are our employees. Accredited ATM assistants, who will be able to identify themselves as such, will normally be on duty to assist you. Stand close to the ATM and use your hand and body as shields when entering your PIN.

Cancel your card immediately if it is stolen or retained by the ATM. When using an ATM, please report anything unusual to the nearest branch, the police or our fraud-prevention line

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