Card swap­ping scam catches lo­cal res­i­dent

Zululand Observer - Weekender - - ZO NEWS - Or­rin Singh

AN Em­pan­geni res­i­dent was re­cently de­frauded of R3 000 af­ter a sus­pect swapped her card for a fake one and made off with her Per­sonal Iden­ti­fi­ca­tion Number (PIN).

Ac­cord­ing to a fam­ily mem­ber, the woman at­tempted to with­draw money from an ATM in Em­pan­geni when she was ap­proached by an un­known man who of­fered as­sis­tance with a trou­ble­some trans­ac­tion.

While the mo­dus operandi is noth­ing new, it has once again high­lighted the im­por­tance of aware­ness when with­draw­ing cash from an ATM.

In most cases the fraud­ster will be busy at the ATM while an un­sus­pect­ing vic­tim waits to use the ma­chine.

The scam­mer will usu­ally tar­get an ATM that is not busy.

Af­ter the fraud­ster is done, he or she will ca­su­ally walk away, but re­main close by.

The tar­geted vic­tims then in­sert their cards to with­draw money, but find that the ATM won’t al­low them to en­ter the PIN code - it re­mains blank.

The scam­mer then ap­proaches, say­ing the ATM is not work­ing prop­erly and of­fers to help.

The scam­mer can­cels the trans­ac­tion, re­moves the vic­tim’s bank card and with a sleight of hand, swops the card for another fake bank card.

The ATM then pro­ceeds to the ‘en­ter your PIN code’ win­dow and the sus­pect tells the vic­tims to en­ter it.

Upon do­ing so, the fake bank card gets swal­lowed by the ma­chine – with the sus­pect hav­ing now seen the vic­tim’s PIN.

Fol­low­ing this the vic­tims leave the ATM un­der the im­pres­sion their cards had been swal­lowed, how­ever the scam­mer is now in pos­ses­sion of the vic­tim’s bank card and PIN code.

FNB Points of Pres­ence CEO, LeeAnne van Zyl, said they reg­u­larly re­view se­cu­rity ar­range­ments at their out­lets and

Se­cu­rity tips when with­draw­ing cash from an ATM

• Should you believe your card was re­tained by the ATM, can­cel your card immediately on the ATM with your ID number

• Al­ways cover your hand with the other hand while key­ing in the PIN and stand close to the ATM us­ing your body as a shield.

• A PIN should be kept se­cret at all times. Do not write ‘PIN’ on the card or keep the card and PIN to­gether, or store the num­bers on your cell phone

• Never dis­close your PIN to any­one - not even rel­a­tives, friends or a bank of­fi­cial.

• Never ac­cept help from strangers at ATMs.

• Do not select a PIN that is eas­ily iden­ti­fi­able, ie the same as your date of birth.

• Only in­sert the card and PIN when are aware of card swap­ping ac­tiv­i­ties.

‘Where in­ci­dents are brought to our at­ten­tion, we con­duct in­ter­nal in­ves­ti­ga­tions and work with the South African Po­lice Ser­vices.

‘Among the cur­rent trends of ATM fraud is not card cloning, but card swap­ping, which is the ac­tual theft of the card from the cus­tomer at the ATM.

the ATM prompts you to do so and press the CAN­CEL but­ton for safety if the screen is un­fa­mil­iar. Don’t al­low any­one to call you back to the ATM af­ter trans­act­ing.

• Never let your card out of your sight when trans­act­ing at a mer­chant.

• En­sure that you al­ways get your own card back af­ter trans­act­ing at an ATM or mer­chant.

• Check your bank state­ment and re­port fraud­u­lent ac­tiv­ity immediately.

• Should your card be lost, stolen, re­tained by an ATM or you sus­pect that some­one else ob­tained your PIN, can­cel your card immediately by phon­ing the Card Can­cel­la­tions Call Cen­tre.

• Con­trol your ex­po­sure in terms of daily ATM and pur­chase lim­its by low­er­ing your daily limit, should it have been set at a level un­re­al­is­tic to what you would nor­mally spend

Never ac­cept help when with­draw­ing cash from an ATM

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