ATM THEFT – TRAP TO GET THE CARD AND PASSWORD

What is skimming

 A form of white collar  crime ,skimming is a slang term  that refer to taking cash "Off the top"

A method used by criminals to capture data from the magnetic stripe : 

Operational Guidelines on ATMs

In order to further improve the functioning of ATMs, provide secured environment for

24/7 banking on ATMs, enhance the service level and adopt the international best

practices,

1. Install CCTV surveillance cameras so as to monitor / record all activity in the ATM

vicinity instantly.

2. Proper lighting and locking arrangements should be made in ATM booths/cabins in

order to ensure safety and privacy.

3. A 24/7 helpline should be introduced to resolve the day-to- day operational issues at

ATMs. The helpline should also be accessible through special phone terminals placed

inside all ATM booths/cabins. Banks should ensure that these phones are in working

order. The helpline numbers should also be widely publicized for the customers’

awareness so that they may, inquire or timely register their complaints as per their

convenience.

4. Complaints /Suggestion Boxes should also be placed in ATM booths/cabins and

adequate arrangement needs to be made for clearance thereof on daily basis.

5. Customers need to be educated to regularly reconcile their ATM transactions as

reported in the statement of account or receipt and in case of any discrepancy in

account balances the bank should be informed immediately.

6. ATMs and/or parts thereof should be replaced after reasonable useful life as per

international standards and practices to ensure uninterrupted delivery of services.

7. A centralized monitoring unit should be put in place to monitor ATM

operations

8. 24/7   to address out-of- cash,  out-of order    incidences so as to ensure uninterrupted

service to customers.

9. Necessary measures should be taken to ensure that fake currency notes/UN-acceptable

notes are not disbursed through.