Safe Use of ATMs and Debit and Credit Cards

Cards and ATMs are part of daily life, which is exactly why criminals target them. A few simple checks and habits keep your card details and your PIN in your hands only.

Choose and Inspect the ATM

• Use ATMs inside bank branches or in busy, well-lit places whenever you can.
• Look at the card slot and keypad for loose, bulky, or mismatched parts, and for small hidden cameras.
• Walk away from any machine that looks tampered with and tell the bank.
• Decline help from strangers and do not let anyone stand close enough to see your screen or keypad.

Protect Your PIN

• Shield the keypad with your free hand every time you enter your PIN, at ATMs and in shops.
• Memorize your PIN. Never write it on the card or keep it in your wallet.
• Never share your PIN with anyone, including people who say they are from your bank.
• Change your PIN straight away if you think anyone has seen it.

Handle Your Cards Securely

• Keep your card in sight when paying in restaurants and shops, and take it back right after paying.
• Prefer chip or contactless payment over swiping where the option exists.
• Turn on card transaction alerts and check statements regularly for charges you do not recognize.
• Carry only the cards you need and keep a separate note of your bank's card-blocking contact details.

Respond When Something Goes Wrong

• Report a lost or stolen card immediately so it can be blocked before it is used.
• Contact the bank if an ATM keeps your card. Do not accept help from anyone nearby.
• Dispute unfamiliar charges with your bank as soon as you spot them, and ask for a replacement card.

Make Card Safety a Habit

Inspect the machine, shield the PIN, keep the card in sight, and act the moment something looks wrong. These habits take seconds and prevent most card fraud.

This article gives general guidance and does not replace your card issuer's instructions. If you suspect card fraud, contact your bank and local authorities promptly.