Protect yourself from Cash Machine Fraud

Cash machines (ATMs) are a very safe way to access your account and help avoid the risks of carrying large amounts of cash. Millions of transactions are made through the LINK system every day and the chances of becoming a victim of ATM crime are very low. However, there are a number of steps which all cardholders can take to help fight ATM crime. In particular, it’s important to take the very simple step of covering your PIN with one hand as you enter it with the other.


Criminals use a variety of methods to target cash machines, including card skimming, when they fit a small device in the slot of the ATM or use a concealed device to capture your PIN. They may also use a technique called card trapping; when a device is fitted to the card slot to stop your card being returned to you.

Entrapment devices:  Inserted into the card slot in a cash machine, these devices prevent the card from being returned to the cardholder. To capture the PIN, the criminal will use a small camera attached to the machine and directed at the PIN pad, or they will watch it being entered by the cardholder. Once the customer leaves the machine, the criminal removes the device and the card and uses it to withdraw cash.

Skimming devices:  These devices are attached to the cash machine to record the details from the magnetic strip of a card, while a miniature camera captures the PIN being entered. A fake magnetic stripe card is then produced and used with the genuine PIN to withdraw cash at machines overseas which have yet to be upgraded to Chip and PIN.

Shoulder surfing:  A technique used by criminals to obtain PINs by watching over the cardholder’s shoulder when they are using an ATM or card machine. The criminal then steals the card using distraction techniques or pickpocketing.


  • You notice something suspicious or unusual about the cash machine such as signs of tampering
  • You spot someone watching you or trying to distract you as you enter your PIN


Follow our tips below to minimise the chances of having your card or card details stolen at a cash or self-service machine, such as when buying tickets or at petrol stations.

  1. Always cover the keypad with your free hand whenever you use your card to avoid your PIN being seen, or to prevent it from being captured by a hidden camera set up by a criminal.
  2. Make sure you’re aware of people who may be standing too close or trying to distract you as you use an ATM in order to steal your card details and PIN. It’s okay to say no to offers of help from seemingly well-meaning strangers.
  3. If your card has been retained by a card machine, ensure you report it to your card provider immediately – if possible whilst at, or near, the machine. Make sure you have your card company’s 24-hour contact telephone number. The number will be on the back of your card, your card statement, their website or banking app.
  4. If your banking app allows, freeze your card through the app to prevent criminals making withdrawals and purchases if your card is stolen or missing.
  5. Some banks will allow you to put a maximum cash machine withdrawal limit through your banking app, this can prevent criminals taking large sums from your account if your card is stolen.
  6. If you notice anything suspicious or unusual about an ATM such as signs of tampering, step away from using it and report it to the bank concerned immediately.
  7. Ensure you put your card and money away for safekeeping prior to leaving the cash machine. Where possible, destroy or shred any receipts, mini-statements, or balance enquiries when you dispose of them.

A case study example of card machine fraud

Annie* hurriedly keyed her PIN into the cash machine; her builder was impatiently waiting to be paid and she was late picking up her children from school.

She was unaware of the watchful gaze from the woman behind her who saw her enter her PIN. Before Annie could remove both her cash and card from the ATM, she heard a clatter of coins nearby.

As she turned to help the distressed woman who had dropped her bag on the floor, the man at the neighbouring ATM hastily replaced her bank card with one that was fake.  Unaware, Annie retrieved her card and money from the cash machine and walked home.

The stranger informed the man of Annie’s PIN and watched as he emptied her bank account.

*Case studies are based on insights from partners


Keep your PIN to yourself and don’t allow anyone to use your card or access to your information – not to someone claiming to be from your bank, the police and especially not to a “helpful” stranger.

Avoid choosing a PIN that could be easily guessed such as your date of birth.

Contact your bank immediately if you spot transactions on your bank statements you don’t recognise.

Ensure you store your bank’s 24-hour emergency contact telephone number for all of your cards in your mobile phone or anywhere that’s easy to access.

Scan the whole ATM area before you approach it. Avoid using the ATM if there are suspicious-looking individuals around.

Check to see if anything looks unusual or suspicious about the ATM showing it might have been tampered with.

If it appears to have any attachments to the card slot, cash slot or key pad, do not use it and if possible alert nearby staff or call the police.

Stand close to the ATM and shield the keypad with your hand when keying in your PIN.

If your card gets jammed or retained by the machine or no cash comes out, report it immediately to your bank or building society, ideally using your mobile phone while you are still in front of the machine.

Check that others in the queue keep a good distance from you.

Be especially cautious if strangers try to distract you or offer to help at an ATM, even if your card is stuck or you are experiencing difficulty with the transaction.

Regularly check your account balance and keep your receipt.

If you believe you’ve fallen for a scam, contact your bank immediately on a number you know to be correct, such as the one listed on your statement, their website or on the back of your debit or credit card. Also Report it to Action Fraud on 0300 123 2040 or via If you are in Scotland, please report to Police Scotland directly by calling 101 or Advice Direct Scotland on 0808 164 6000.

Take Five to Stop Fraud

Logic Wealth Planning provides independent financial advice in Manchester, Bury, Rochdale, Cheshire, and the surrounding area, but not limited to the region.