ATM skimming is a type of credit card fraud in which criminals install a device on an ATM that captures the cardholder’s personal information, including their name, account number, and PIN. This information can then be used to create counterfeit cards or to make unauthorized withdrawals from the victim’s account.
What is ATM Skimming?
ATM skimming is a crime in which criminals attach a device to an ATM that captures the cardholder’s personal information, including their name, account number, and PIN. This information can then be used to create counterfeit cards or to make unauthorized withdrawals from the victim’s account.
Types of ATM Skimming
There are two main types of ATM skimming:
Hardware skimmers
These are physical devices that are attached to the ATM’s card reader or PIN pad. They typically look like the real card reader or PIN pad, but they have a hidden camera or card reader that captures the victim’s information. Examples of Hardware Skimmers:
- Shimmers: These are thin devices that are inserted into the ATM’s card reader. They capture the data on the victim’s card chip, which is then used to create counterfeit cards.
- Overlays: These are transparent devices that are placed over the ATM’s keypad. They capture the victim’s PIN as they enter it.
- Miniature cameras: These are small cameras that are hidden in the ATM or near it. They can be used to record the victim’s PIN as they enter it or their card number as they swipe it.
- Remote skimmers: These are devices that are connected to the ATM’s computer system via a wireless network. They can capture the victim’s information without the need for physical access to the ATM.
- Biometric skimming: This is a new technique in which criminals use a hidden camera to capture the victim’s fingerprints or facial features. This data can then be used to create counterfeit cards that can be used to withdraw cash or make purchases.
- ATM malware: This is a type of malware that is installed on the ATM’s computer system. It can capture the victim’s information when they swipe their card or enter their PIN.
- ATM jackpotting: This is a technique in which criminals use a device to trick the ATM into dispensing more cash than the victim has requested.
- ATM gashing: This is a technique in which criminals use a sharp object to damage the ATM’s card reader. This can make it difficult or impossible for the victim to insert their card, and it can also damage the card itself.
Software Skimmers
These are malware programs that are installed on the ATM’s computer system. They can capture the victim’s information when they swipe their card or enter their PIN. Examples of Software Skimmers:
- Keyloggers: These programs record everything that is typed on the ATM’s keyboard, including the victim’s PIN.
- Trojans: These programs are disguised as legitimate programs, but they actually contain malicious code that can steal the victim’s information.
- Rootkits: These programs give the criminals complete control over the ATM’s computer system, allowing them to install other malware or steal data.
Tips to Avoid ATM Skimming
There are a few things you can do to avoid ATM skimming:
- Inspect the ATM before using it. Look for any signs of tampering, such as loose or damaged parts, or a card reader or PIN pad that looks different from the others.
- Cover your hand when entering your PIN. This will help to prevent a hidden camera from capturing your PIN.
- Use a credit card instead of a debit card. Credit cards offer more fraud protection than debit cards.
- Be aware of your surroundings. If you see someone acting suspiciously near an ATM, report it to the bank or the police.
Reporting ATM Skimming
If you think that your card has been skimmed, there are a few things you can do:
- Contact your bank immediately. They will cancel your card and issue you a new one.
- File a police report. This will help to track down the criminals and bring them to justice.
- Check your account statements carefully. Look for any unauthorized transactions. If you see any, contact your bank immediately.
Conclusion
ATM skimming is a serious crime, but it can be prevented by being aware of the signs and taking precautions. By following these tips, you can help to protect yourself from becoming a victim of ATM skimming.
