Category: Money Matters
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Sub category: Security
19 January 2023

How to spot a fake: Protect yourself against ATM card skimming

One of the most empowering  feelings you can have is the rush of spotting a scam a mile away, not only do you feel like an everyday hero but you save yourself a lot of hassle in the long run. In a world where card skimming and ATM fraud is a harsh reality, be your own crime fighting super hero by recognising the signs.

Times have well and truly changed since the days of bandits Bonnie and Clyde, criminals are now focused on targeting your hard earned dollars via ATMs, and they don’t even have to wear a three piece suit to do it anymore. Card skimming machines can be fitted to ATMs and could then extract your card information granting them access to your account. Don’t forget, ING are here to support with a dedicated team to protect customers from fraud, but if you know what to look for you’ll be able to spot a high risk ATM.

To help ensure you don’t get caught out here’s a few pointers to stay on your guard with your card:

  1. How to spot a fake: just like in the movies, nothing good happens in dark, deserted alleyways. Make sure you are aware of any suspicious looking ATMs, only use machines in high-traffic areas, where it would be difficult for criminals to spend time tampering with the machine. If the machine looks damaged or distorted, particularly the card slot, don’t use it.
  2. Go undercover: we aren’t saying you need to don a full disguise to protect your card against skimming devices, but aside from card skimming a key element of what these criminals do is stealing your PIN, so when you are using the machine make sure you place a hand over the PIN pad and ward off any pesky peekers.
  3. Ditch the evidence: Go cardless if you can – it’s the easy, secure and private way to pay. Thanks to Apple Pay and Google Pay you no longer have to exchange your card details with merchants and it’s easier than ever to go cashless.
  4. Always be on the lookout: Check your account regularly so you can pick up on any suspect transactions. If you think you’ve been skimmed, don’t stress – using the ING app you can put your card on hold and make sure you alert our customer care team on 133 464 of the suspicious activity.

Using an ATM is quick and easy but don’t let the choice of an at risk ATM ruin your day, recognise the signs and protect yourself against ATM fraud.

If your Visa card is used without your permission or you suspect your PIN is known to someone else, lost or stolen, contact us straightaway on 133 464 or visit (when you’re overseas).

We're here to help with all of your enquiries.

The information is current as at publication. Any advice on this website does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Deposit products, savings products, credit card and home loan products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823. Living Super, a sub-plan of OneSuper ABN 43 905 581 638 is issued by Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153 RSE L0000635. The insurance cover offered by Living Super is provided by Metlife Insurance Limited ABN 75 004 274 882, AFSL 238096. ING Insurance is issued by Auto & General Insurance Company Limited (AGIC) ABN 42 111 586 353 AFSL Licence No 285571 as insurer. It is distributed by Auto & General Services Pty Ltd (AGS) ABN 61 003 617 909 AFSL 241411 and by ING as an Authorised Representative AR 1247634 of AGS. All applications for credit are subject to ING's credit approval criteria, and fees and charges apply. You should consider the relevant Product Disclosure Statement, Terms and Conditions, Fees and Limits Schedule, Financial Services Guide, Key Facts Sheet and Credit Guide available at when deciding whether to acquire, or to continue to hold, a product. Before interacting with us via our social media platforms, please take a minute to familiarise yourself with our Social Media User Terms

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