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ATM Card Skimming and PIN Capturing
What is 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
an ATM 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 ATMs in
order to fraudulently capture the ATM user’s PIN.
Where to spot a card skimming or pin capturing device
on an ATM?
What do skimming devices look like?
| Top photo shows an unadulterated
ATM fascia. The flashing lead through entry indicator
is easily observed. Note: Most skim devices when fitted
will obscure the flashing entry indicator this should
be a vital clue as to any suspect tampering. |
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| A skim device has been placed in or
near the card reader slot. Although the device has
been given the appearance of being a standard part
of the terminal it is in fact an additional fitted
piece & clearly is different from the above photo.
Note: No flashing lead through light can be seen. The
shape of the bezel is clearly different. |
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What can you do to mitigate 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. The inspection should
be part of your morning external check and afternoon
closing procedure.
- Familiarize yourself with the look and feel of your
ATM fascia. Particularly pay attention to all of 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 & regions immediately above the consumer
display and keyboard area for anything unusual.
By being vigilant you can play a part in reducing the
risk of a skim attack!
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