Ukrainians warned about a new fraud scheme at ATMs: how to avoid losing money

A new fraud scheme is becoming widespread in Ukraine, with the help of which criminals steal money from citizens when using ATMs. To do this, they use mechanical traps, devices for reading bank card data and psychological manipulations.

How the thread scheme works

One of the most common methods involves installing a thin thread inside the ATM card reader.

The scheme works like this:

the user inserts the card and performs the necessary operation without any problems;

after the transaction is completed, the ATM cannot return the card, as it is held by a hidden thread;

at this moment, a supposedly random passerby approaches the person, offers help and advises to re-enter the PIN code;

having peeked at the code, the fraudster convinces the cardholder to contact the bank branch, and after the cardholder leaves, pulls out the card using the thread and withdraws the money.
How skimming works

Another dangerous method is installing special overlays on the ATM card reader.

Such devices read information from a bank card, and hidden mini-cameras record the moment the PIN code is entered. The data obtained is used to make a duplicate card, after which attackers can gain access to the owner’s funds.

How to protect your money

Experts recommend following simple safety rules:

carefully inspect the card reader before using an ATM;
do not use the device if it has foreign parts, linings or threads on it;
always cover the keyboard with your hand when entering the PIN code;
do not allow strangers to stand nearby or “help” during the transaction;
if possible, use contactless payment via NFC without inserting the card into the ATM.
What to do if the ATM does not return the card

If the ATM has retained the card, do not leave the place and do not trust the advice of strangers.

You must immediately call the bank’s official hotline, provide the address of the ATM and describe the situation. If necessary, the bank will block the card and issue a reissue. The bank account will remain unchanged, so all salaries, pensions, and other payments will continue to be received on it.