Cash machines are good targets for criminals as they can fit devices to cash machines that may trap the bank card or copy the card details and record the PIN. They may also try to distract you by making conversation, allowing an accomplice to then take your card and cash. Another tactic is to ask if something on the floor is yours, distracting you in allowing them to get your money and/ or card. Ways to protect yourself against it are to make sure you are:
- Be wary of anyone approaching when you are at a cash machine,
- Always shield your PIN (Personal Identification Number), the best way is to stand close to the cash machine and cover the keypad with your purse/ wallet or spare hand,
- If your card is ever retained by the machine do not leave the cash machine. Report it immediately by calling your card issuers number.
This method of payment has become increasingly popular and there are many myths around this use of payment.
One that is common is that people can come along with a card payment machine whilst the card is in your bag and take the information on your card to then commit fraud. This is not true because whilst a card reader that is contactless-enabled can read a card from 10cm away the information it receives is what is stored on the front of the card. Which is never enough to clone a card as it is incomplete for the information needed. As the card reader needs to be very close to the card this also makes it impossible for the details to be intercepted when in use, something that is also a common myth. There are a few tips you can follow to reassure yourself that no one has used your card through contactless payment:
- Always go through your bank statements and check which are contactless, to make sure you recognise them all,
- Don’t let anyone take your card out of sight for payment under any circumstances. They could use this time to copy the information stored in the magnetic strip or the CCV code on the back of the card,
- If your card or phone, with card payments, enabled on it, are ever stolen inform your bank as soon as possible.
With online banking becoming increasingly popular so are criminals trying to scam people out of their money. Some banks may give one-time passcodes sent to your device so you can make payments, always keep these and any personal details, passwords or memorable information safe. Never share these with anyone even from your bank. If someone asks for these details, they are most certainly a criminal. You can protect yourself by:
- Making sure any passwords or memorable information are chosen with care, try to make them as random as possible,
- Always keep any banking apps or software up to date by downloading updates when prompted,
- Remember to log out of your online banking account or app every time, simply closing the app/ web page or turning off your device may not be enough,
- If you use any banking apps/ websites in public take care to shield your PIN, passcode or any passwords used,
- It is difficult to tell if public WI-FI spots are secure so never use them for banking,
- Never share any security codes, passwords or memorable information that can be sued to access your account with anyone,
- If your bank ever calls you get a reference code from them, then hang up and call them back using a number you know is safe. Such as one on their website or listed on your banking information. Only call back once the line has been cleared, if you are unsure about this call using a different phone than the one they contacted you on.