Saraswat Bank - Safe Banking Initiative

ATM Card Skimming

In this type of attack, the attacker targets ATM machines and places skimming devices which are used to steal data from ATM / Debit / Credit cards.

Modus operandi of ATM Card Skimming

Attacker places skimming device over the port where ATM / Debit / Credit cards are inserted.
When a individual unknowingly inserts his/her card in this targeted device to withdraw money, the PIN of card gets revealed to the attacker.
Attacker then attempts to place a dummy card in the device and withdraw money using the same PIN leading to deduction of money from the victim’s account.
Since there are multiple complexities involved in setting-up such skimming devices, the attackers also attempt to stand close to the customer withdrawing money and tries to see the PIN entered by the customer.
If the customer did not hide his/her hand while entering the PIN or did not notice shoulder-surfing, the PIN is revealed to the attacker.
Attacker then attempts to place a dummy card in the device and withdraw money using the same PIN leading to deduction of money from the victim’s account.

To report a fraud, write to us at
fraudreporting@saraswatbank.com

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