ATM Safety Tips: 6 Things to Check Before Inserting Your Debit Card

With digital payments becoming increasingly common, ATMs continue to be an important way to withdraw cash. However, fraudsters use different techniques to steal card details, PIN numbers and even cash directly from ATM machines.

Before inserting your debit card, check the machine carefully. A few simple precautions can help reduce the risk of ATM fraud.

1. Check the Card Slot for Skimming Devices

ATM skimming is a method used by fraudsters to steal card information. They attach a small device called a skimmer to the card slot. It may look like an original part of the ATM and can capture information stored on the card`s magnetic strip.

Before inserting your card, gently check whether the card slot is loose, unusually fitted or moving. If you notice anything suspicious, avoid using that ATM and inform the bank.

2. Look for Hidden Cameras Near the PIN Pad

Fraudsters may install tiny cameras near the ATM keypad to record customers entering their PIN numbers. These cameras can be hidden near screws or behind small attachments.

Check the area around the keypad before entering your PIN. Always cover the keypad with your other hand while typing your PIN to prevent anyone or any hidden camera from recording it.

3. Check for a Fake Keypad

Another method involves placing a thin fake keypad layer over the original buttons. The device records the numbers entered by customers.

Before using the ATM, check whether the keypad looks unusually raised, soft or different from its normal appearance. Avoid entering your PIN if you notice suspicious attachments.

4. Inspect the Cash Dispenser for a Cash Trap

In a cash-trapping scam, fraudsters attach a device or adhesive strip to the ATM`s cash dispensing area. The machine processes the withdrawal and deducts the amount from the account, but the cash gets stuck inside the attachment.

Check the cash dispenser for unusual objects or loose parts before making a withdrawal.

5. Contact the Bank if Money Is Deducted but Not Dispensed

If your account is debited but the ATM does not dispense cash, do not immediately leave the machine. Contact your bank`s customer support using its official helpline and seek assistance from security staff if available.

Keep the transaction details and receipt, if issued, for reporting the issue.

6. Consider Cardless Cash Withdrawal Through UPI

Some banks offer cardless cash withdrawal facilities through UPI. Customers can scan the QR code displayed at a supported ATM and complete the transaction using their UPI application.

This can help avoid risks associated with inserting a physical card. However, always check the ATM before using it and never share your UPI PIN with anyone.

Important ATM Safety Precautions

- Check the card slot and keypad before starting a transaction.

- Cover the keypad while entering your PIN.

- Do not use an ATM if any part appears damaged or tampered with.

- Never share your ATM PIN or UPI PIN.

- Contact your bank immediately if you notice a suspicious transaction.

Taking a few moments to inspect an ATM before withdrawing cash can help protect your bank account from common fraud attempts.