IF you thought covering your pin was a good enough precaution to take when drawing money at a cash machine, think again.
Crooks are using increasingly sophisticated methods to con you out of your hard-earned dosh at ATMs.
Card skimmers, cash traps and system hacks are becoming increasingly common, and more often than not they’re hard to spot as they’re fully concealed inside the machine.
It’s crucial to keep your eyes peeled and be aware of how these scams work, and what you can do to protect yourself against them.
Take a look at some of these shocking ATM scams compiled by Bored Panda – would YOU have spotted them before it was too late?
Check that the card reader is securely fastened
Sometimes you can tell if the card reader is fake if its loose.
This piece of equipment records the details from the magnetic stripe of a card, so crooks can harvest data from every person that swipes their cards.
As well as this a miniature camera captures the PIN being entered so your details can be used later.
Watch out for hidden cameras
Look around the ATM as oddly placed items – such as this leaflet holder.
There shouldn’t be anything cluttering the screen and surrounding area, and be wary of any unusual devices mounted nearby.
If you don’t want to tamper with anything inform the bank or call a number usually listed on an ATM to report a problem.
Check the receipt slot
A crack could be a sign that it’s been tampered with – a scammer may have placed a scanner inside and reassembled it.
Anything which looks like it has been removed, reassembled or added on should be a warning sign.
Again, if you don’t want to touch anything just flag it up with the authorities.
Watch out for fake keypads
A fake keypad allows crooks to capture your PIN in real time.
And as technology advances, this is often transferred to a gang via wifi.
If the keypad feels loose, thick, or sponge-like, then it may be a fake.
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Check the Audio Jack
Be cautious about using the machine as once again it may have been tampered with by crooks.
Criminals can tamper or alter any part of an ATM so double check everything looks in proper working order.
Even a small thing like the jack being off could be a sign of foul play.
What’s that grey box?
You’ve used ATMs multiple times so make sure everything looks right.
This grey box, seen on some machines, features a secret camera and a microSD card.
This is then used to store your personal data before it’s sent to crooks.
Check the card slot
Sometimes ones that stick out and do not appear flush against the machine indicate that an ATM skimmer has been fitted.
If the machine swallows your card, you should contact your bank immediately, ideally while remaining beside the ATM, as it may be necessary to cancel it.
Keep an eye on your bank accounts over the following weeks for any suspicious activity.
The three ways fraudsters target cash machines
Inserted into a cash machine’s card slot, these devices retain the card inside the machine. The criminal then tricks the victim into re-entering their PIN while the criminal watches. After the cardholder gives up and leaves, the criminal removes the device with the card and subsequently withdraws cash.
Attached to the cash machine to record the details from the magnetic stripe of a card while a miniature camera captures the PIN being entered. A fake magnetic stripe card is then produced and used with the genuine PIN to withdraw cash at machines overseas, which have yet to be upgraded to Chip & PIN.
Criminals watch the cardholder entering their PIN, then steal the card using distraction techniques or pick pocketing.
Source: Financial Fraud Action UK