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ATM Skimming - What is ATM skimming?

A high-tech scam known as ATM card skimming is becoming more common throughout Australia.  Criminals install a skimming device over the ATM card slot, so data can be recorded from a credit or ATM card's magnetic strip. A pin-hole camera may also be installed to record pin numbers being entered into the ATM.

Once the criminals have skimmed your card, they can create a fake or ‘cloned’ card with your details on it and use it to make transactions from your account.

We all work too hard for our money to have it stolen from us. Here are some simple steps you can take to protect yourself.

1. Know what to look for

Familiarise yourself with your local ATM and always check for abnormalities like extra plastic panels, hidden pinhole cameras, loose fitting components and scratches, adhesive or tape holding components on.

Also be on the lookout for people in the vicinity of the ATM behaving suspiciously.

2. Protect your pin

Use your hand as a shield when entering your pin, never disclose to anyone and regularly change it.

3. Check the keypad

Some criminals use keypad overlays instead of cameras to capture pins. These devices record keystrokes electronically, so check for anything that seems to have been placed over the top of the keypad that moves, seems unusual, or does not match the ATM.

4. Know your balance and regularly check statements

Always know your current balance and regularly check your statements for unauthorised transactions.

You can securely check your balance anytime, day or night, using either online banking or on our mobile banking app. You can also set-up automatic email and SMS alerts for instant notification when a transaction is performed that produces a receipt or a foreign logon attempt is made and your Web Access Code (WAC) is deactivated.

Contact us immediately

Immediately contact us if you believe your card has been skimmed or if you suspect a card skimming device has been attached to an ATM.

Card Fraud

There are many different forms of card fraud. The most common is someone obtains your card details and uses them over the phone or online to make purchases in your name.

How can I protect myself against card fraud?

  • When you first receive your new ATM or credit card, sign it immediately upon receipt.
  • If the card is a replacement, ensure you cut up or shred the old card once it has expired.
  • Always memorise your PIN and shred the letter that advised you of this number. At no time should a PIN be kept as a written record and retained together with the card, even if you attempt to disguise it within another number.
  • Never disclose your PIN to another person.
  • Do not select a PIN that is a date of birth.
  • Ensure that no-one can observe you entering your PIN when using an ATM. Check that no-one is looking over your shoulder or standing close behind you. If they are, simply ask them to move back or walk away from the ATM until after they have used it.
  • Always shield your PIN when entering it into an ATM by holding an item over the keypad such as your purse, newspaper or hand. If the ATM has been targeted by scammers it may have been fitted with a camera aimed down to the keypad to fraudulently capture your PIN.
  • If you believe an ATM has been tampered with, do not use it. There will be a phone number located on the machine for you to ring to report your suspicions to the ATM owner.
  • Ensure the ATM transaction has been completed before walking away. Sometimes after taking your cash, ATMs ask if you would like to complete another transaction. Note any narration on the screen to ensure the transaction is fully completed.
  • Card receipts should never be discarded into a public area (like street garbage bins),or placed in your own  bin without being shredded to protect any card information.
  • Always keep your card in sight during a transaction. For example, take your card to the cashier at a restaurant instead of putting it with the bill to be taken out of view.
  • When using your card to make purchases via the internet, only deal with well-known/reputable companies.
  • When making a payment or purchase,   make sure a padlock symbol appears in the right-hand bottom corner of the website and the address commences with ‘https://’, indicating a secure operating environment.
  • If you’re going overseas, advise us prior to leaving so we can monitor any overseas debit transactions.
  • Great Southern Bank does not contact members asking for your card or PIN. Report all email enquiries to us on 133 282 or your local branch.