ATM Card Skimming
& PIN Capturing
Customer Awareness Guide
Commonwealth Bank of Australia
2
What is ATM Card Skimming?
A method used by criminals to capture data from
the magnetic stripe on the back of an ATM car...
3
Where to spot a device on an ATM
Light diffuser area
Speaker area
ATM side fascia
Card reader entry slot
ATM keyboard ar...
4
What is PIN capturing?
Strategically attaching / positioning cameras and other
imaging devices to ATMs to fraudulently c...
5
Skimming devices: spot the difference
Normal fascia
The flashing card entry
indicator can easily be seen.
Most skimming ...
6
Skimming devices
A skimming device
being ‘piggy-backed’
onto the card reader
7
Skimming devices
A smaller skimmer
that looks just like a
normal card entry slot
and attached to the
ATM rain cover.
8
Skimming devices
Here a skimming device
has been installed on
the ATMs card reader.
9
PIN capturing devices
Photo shows a PIN
capturing device fitted
to the top of the ATM.
These devices are usually
difficu...
10
PIN capturing devices
A brochure holder has been
placed on the side of the
ATM fascia wall.
Take a closer look at the
b...
11
PIN capturing devices – keyboard fascia
A skimmer plate can
be placed over the
top of the existing
keyboard as a method...
12
PIN capturing devices
An example of what an ATM skimmer plate can look like.
13
Facts on skimming devices
1
• Skimming devices are normally attached to ATMs during quiet periods,
e.g. early morning /...
14
How can you reduce the risk?
• Familiarise yourself with the look & feel of the ATM fascia
on machines
• Inspect the AT...
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Atm awareness guide

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What needs to be observed in an ATM especially during time of the day when there is no crowd.

Published in: Business, Economy & Finance
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Atm awareness guide

  1. 1. ATM Card Skimming & PIN Capturing Customer Awareness Guide Commonwealth Bank of Australia
  2. 2. 2 What is ATM Card Skimming? A method used by criminals to capture data from the magnetic stripe on the back of an ATM card. Devices used are smaller than a deck of cards and are often fastened in close proximity to, or over the top of the ATM’s factory-installed card reader. ATM skimming is a world-wide problem.
  3. 3. 3 Where to spot a device on an ATM Light diffuser area Speaker area ATM side fascia Card reader entry slot ATM keyboard area 1 2 3 4 5 1 2 3 45 Check these areas for any suspicious tampering:
  4. 4. 4 What is PIN capturing? Strategically attaching / positioning cameras and other imaging devices to ATMs to fraudulently capture PIN numbers. Once captured, the electronic data is put onto a fraudulent card and the captured PIN is used to withdraw money from accounts. PIN capturing is a world-wide problem.
  5. 5. 5 Skimming devices: spot the difference Normal fascia The flashing card entry indicator can easily be seen. Most skimming devices will obscure the flashing card entry indicator. This detail serves as a vital clue in identifying suspect tampering. Skimmer device attached to card entry slot. The device is designed to look like a standard part of the terminal – its clearly different from the photo on the left. No flashing card entry indicator can be seen & the shape of the snout is different.
  6. 6. 6 Skimming devices A skimming device being ‘piggy-backed’ onto the card reader
  7. 7. 7 Skimming devices A smaller skimmer that looks just like a normal card entry slot and attached to the ATM rain cover.
  8. 8. 8 Skimming devices Here a skimming device has been installed on the ATMs card reader.
  9. 9. 9 PIN capturing devices Photo shows a PIN capturing device fitted to the top of the ATM. These devices are usually difficult detect.
  10. 10. 10 PIN capturing devices A brochure holder has been placed on the side of the ATM fascia wall. Take a closer look at the brochure holder – a pin-hole Camera has been installed. This is done to capture images of the keypad and customers inputting their PIN.
  11. 11. 11 PIN capturing devices – keyboard fascia A skimmer plate can be placed over the top of the existing keyboard as a method of PIN capturing.
  12. 12. 12 PIN capturing devices An example of what an ATM skimmer plate can look like.
  13. 13. 13 Facts on skimming devices 1 • Skimming devices are normally attached to ATMs during quiet periods, e.g. early morning / late evening 2 • Length of time skimming devices are attached can vary, but normally no longer than 24 hours. 3 • Successful skimming requires both a card skimmer (card reader) & camera (PIN capturing device) to be fitted to the ATM in order to steal card data 4 • Criminals may loiter nearby to observe customers & remove equipment after machine use. • Downloaded information can be transmitted wirelessly to other devices.
  14. 14. 14 How can you reduce the risk? • Familiarise yourself with the look & feel of the ATM fascia on machines • Inspect the ATM & all areas of its fascia for unusual or non-standard appearance • Is there anything unusual (card reader, area above the screen)? • Report any unusual appearance immediately to Police or the nearest CBA branch • Always use your hand to shield your PIN when entering it Be vigilant! You can reduce the risk of skimming.
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