Checking the ATM, refusing help from strangers and destroying receipts are the main security measures, while education and technology reinforce protection against new threats Bodies such as the Bank have identified a series of frauds committed at ATMs. Among the most common, the financial institution highlights several main types. Card cloning with hidden devices and cameras that record PINs is one of them, in addition to the installation of traps in the cash dispenser to retain the money and its subsequent withdrawal. Another method is the use of social engineering, when people pretend they need help to distract attention and obtain confidential information. These methods are becoming increasingly sophisticated, so users need to be constantly vigilant.
How not to fall victim to fraud when withdrawing money from an ATM
To reduce the risks, the Bank recommends using ATMs located indoors or in well-lit areas. If the terminal displays unusual messages or requests unusual data, it is safest to cancel the transaction immediately. Before starting any transaction, it is necessary to visually inspect the terminal for any anomalies. It is very important to check for foreign objects in the card reader, keypad or cash dispenser, as these may be signs of the installation of devices for cloning cards or retaining cash.
If there is a technical problem with the ATM, the organisation recommends refusing help from third parties and contacting the bank directly. In addition, in the event of fraud, the organisation stresses the importance of notifying the bank as soon as possible and filing a complaint with the competent authorities. This quick response can limit the consequences of the crime and facilitate the return of funds.
How to use the ATM safely
The bank insists on the importance of always collecting the receipt issued after the transaction, as this document may contain confidential data, such as part of the card number or available balance. If you do not need to keep the receipt, you should destroy it before leaving the premises. In addition, putting your money away before walking away from the ATM and avoiding organising your belongings near the terminal helps you to avoid distractions and create situations of vulnerability.
Another important rule is to cover the keypad with your free hand, mobile phone or wallet when entering your PIN to protect your password from prying eyes or hidden cameras. This simple action can prevent attempts to steal information.
Why is it necessary to press the “Cancel” button at the end of the transaction?
Simple actions, such as pressing the “Cancel” button after withdrawing money, are essential to protect your account, as they ensure that the session is closed immediately and block any subsequent attempts by third parties to access it. This measure is necessary because some terminals keep the session active for a few seconds after withdrawing money, which can be exploited by criminals.
How technology helps to ensure the security of bank accounts
The technological tools offered by financial institutions reinforce protection. The bank recommends activating SMS or email notifications for each transaction, setting daily limits for cash withdrawals, and opting for bank transfers when large amounts of money need to be moved. In addition, the use of virtual cards for online purchases or cards linked to temporary payment apps adds an extra level of security against possible physical data theft at ATMs.
Financial education and constantly updating information on new forms of fraud are important allies for users. Familiarisation with security manuals at terminals contributes to the formation of more reliable and up-to-date preventive habits. Implementing this knowledge in daily practice when using ATMs complements practical measures and allows you to anticipate risks and react more quickly to possible incidents.
