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Skimming is a fraud method that is becoming increasingly common with bank and credit cards and can be used for unauthorised transactions.
What skimming is
Skimming is a dangerous fraud method that can be carried out in various ways. The term originates from English and literally means “skimming”.
- Skimming involves reading and copying the data from magnetic stripes or chips on credit and bank cards by attaching a card reader to an ATM or cash register.
- The devices are often installed near cameras to also record the entry of the PIN number.
- The stolen data is then used by the fraudsters to carry out unauthorised transactions.
- Skimming can also take place at petrol stations and money changers by employees scanning cards out of sight of the customer.
How to protect yourself from the scam
It’s important to be vigilant and take precautions to avoid having your card details stolen.
- Check the ATM or cash register for possible signs of tampering, for example, if the card slot is loose or unusually thick, or if there is a camera nearby.
- Conceal the entry of your PIN number by holding your hand or body in front of it.
- Monitor your bank statements regularly to notice unauthorised transactions in time.
- Use a contactless card or mobile payment apps to minimise the risk of skimming.
- Be careful when using public Wi-Fi networks as they can be used by fraudsters to access your card details.
