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Card Security

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What is Card Skimming?

 

Card skimming is the copying of encoded information from the magnetic stripe of a legitimate card, making use of a card reader, for fraudulent purposes

Types of Fraud

 

Common types of Card Fraud:


• Counterfeit: duplicating legitimate credit cards which are then used for fraudulent activities. This includes skimming which is a duplication of the magnetic stripe
• Card Not Present (CNP): unauthorized usage of credit card information for fraudulent activities over the internet, phone or mail
• Lost/Stolen: unauthorized usage of a credit card as a result of it being lost or stolen


How do fraudsters skim cards?

 

Fraudsters use sophisticated devices to steal PIN and card information. These devices are small and concealed in the ATM, which may not be even noticed by the customer.


How does this usually happen at the ATM?

 

The modus operandi at ATMs is for a fraudster to approach a customer while transacting.

A card skimming device is placed over the card slot, copying the card information once the card is inserted into the ATM. A small camera directed to the keyboard is hidden to capture the PIN.

 

By obtaining the card information and PIN number, the fraudster manufactures a duplicate card and ultimately transacts on the account, clearing all funds as quick as possible.


5 Tips to prevent falling victim to Card Skimming

 

1. Cover up the PIN: Always cover the keypad with one hand while keying in the PIN number. By protecting your PIN, criminals do not have access to your account when card information is compromised (this method is useful when transacting at an ATM or Point of Sale).
2. Notification: Ensure you have SMS Notification activated on all your transactional accounts (account/s linked with debit cards) to ensure that you always know when fraudulent activity takes place on your account/s.
3. Do not accept assistance, guidance or allow anyone to interfere with your transaction - fraudsters sometimes pose as bank officials by offering assistance or interfering with your transaction.
4. Control your exposure in terms of daily ATM, POS & Internet limits - lower your daily ATM, POS & Internet limits if the limit is set at a level unrealistic to what you would usually spend.
5. Be observant of your surroundings when transacting at the ATM - Leave the ATM immediately if you feel unsafe or when suspicious people are around the ATM.

Which are the specific places where I need to be more vigilant?

 

Firstly - you need to ALWAYS be vigilant, no matter where you are. But there are specific places where you need to be particularly aware of what's going on around you.

Common points of compromise are places with high volumes of clients, such as:
• Restaurants
• Bars
• Retail stores
• Tollgates

 

Bank customers are particularly urged not to accept assistance from anybody at ATMs, nor to let their cards out of sight when transacting.

What about when I'm shopping or eating out?

1. Always cover the keypad with one hand while keying in the PIN number
2. Make sure that you take your card and receipt after a purchase or withdrawal.
3. Don't lose sight of your card when you pay at a restaurant - request for the machine to be brought to your table .Make sure that your card is only swiped once at POS.
4. Don't be distracted or rushed when transacting.
5. Only use reputable and safe websites and never give out your banking information when shopping online.


Are there any general safety tips I need to be aware of?

 

Yes:


1. Treat your card as you would cash - never let it out of your sight.
2. Don't give your secret PIN to anyone. Don’t write it down, memorize it.
3. Don't respond to emails that require you to submit your account number, card number or expiry date of your card.
4. Don't let your friends or family use your cards.
5. Register for SMS notifications, our free instant SMS service that notifies you every time your account is debited.
6. Stay vigilant of detecting skimming devices.
7. Keep an eye on your statement: Check your bank debit card statements regularly and thoroughly to see if there has been fraudulent activity.


What should I do if I suspect my card has been skimmed?

• If you suspect that your card is skimmed, lost or stolen, please call immediately the bank service of Call Centre  +355 42 276222/3 or  Mob: +355692080903   in order to block the card

• You can also be present to report the issue to one of our branch premises
• Report any suspicious activity at the ATM to the bank immediately

 

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